Bringing your parents or grandparents to the “Heart of the New West” is an exciting milestone. Calgary, with its stunning views of the Rockies and vibrant community life, is the perfect place for a family reunion. However, before they can enjoy a stroll through Prince’s Island Park or a trip to Banff, you must navigate the legal essentials of the Super Visa.
At Punjab Insurance, we specialize in helping Calgary families secure the mandatory super visa insurance for parents that is not only IRCC-compliant but also budget-friendly. In this guide, we’ll break down the 2026 costs, requirements, and why Calgary residents trust us for their family’s safety.
What is Super Visa Insurance?
The Super Visa is a multi-entry visa that allows parents and grandparents to stay in Canada for up to five years at a time. Unlike a standard visitor visa, a core requirement for the Super Visa is proof of private medical insurance from a Canadian provider.
The Mandatory Requirements for 2026
To meet the Immigration, Refugees and Citizenship Canada (IRCC) standards, your insurance for parents super visa must:
- Minimum Coverage: Provide at least $100,000 in emergency medical coverage.
- Validity: Be valid for a minimum of one year from the date of entry.
- Provider: Be issued by a Canadian insurance company (like those represented by Punjab Insurance).
- Scope: Cover healthcare, hospitalization, and repatriation.
- Proof of Payment: You must provide proof that the medical insurance has been paid in full (or via an approved monthly plan).
Super Visa Insurance Cost in Calgary (2026 Estimates)
While the requirements are standard across Canada, the cost of super visa insurance for parents and grandparents can vary based on several factors. In Calgary, we see a wide range of premiums depending on the age and health of the visitors.
Factors Influencing the Cost
- Age: This is the most significant factor. As parents age, the risk of medical emergencies increases.
- Pre-existing Conditions: Policies that cover stable chronic conditions (like high blood pressure or diabetes) will have higher premiums.
- Deductibles: Choosing a higher deductible (the amount you pay out-of-pocket before insurance kicks in) can lower your annual premium by 20% to 30%.
- Coverage Limit: While $100,000 is the minimum, many Calgary families opt for $150,000 or $200,000 for extra peace of mind given the high cost of hospital stays in Alberta.
Why Calgary Families Choose Punjab Insurance
Calgary is a unique market with a large South Asian community that values family and trust. Punjab Insurance has been a pillar in the community for years, offering personalized service that big-box banks simply can’t match.
1. Local Expertise in the Calgary Region
We understand the local healthcare landscape in Alberta. From the Foothills Medical Centre to the South Health Campus, we know how much emergency care costs and we ensure your policy is robust enough to cover it.
2. We Speak Your Language
Language should never be a barrier to protecting your family. Our advisors are fluent in Punjabi, Hindi, and English, ensuring you understand every clause, exclusion, and benefit of your parents’ policy.
3. Comparison of Top Carriers
As an independent brokerage, we don’t just sell one product. We compare quotes from Canada’s leading providers — such as Manulife, Allianz, GMS, and TuGo — to find the lowest rate available for your specific needs.
How to Apply for Super Visa Insurance in Calgary
Securing coverage with us is a simple, three-step process:
- Get a Quote: Contact our Calgary office or use our online tool at to enter your parents’ ages and travel dates.
- Select Your Plan: Choose between basic coverage or plans that include pre-existing conditions.
- Receive Your Policy: We issue the insurance certificate instantly, which you can then upload directly to your IRCC portal for the visa application.
Essential Tips for Calgary Sponsors
- The “Stability” Period: If your parents have pre-existing conditions, ensure they have been “stable” (no change in medication or health) for the period required by the policy (usually 90 to 180 days).
- Monthly vs. Annual: If you are on a budget, ask us about monthly payment plans. This allows you to pay a deposit and spread the remaining cost over the year.
- Update Your Effective Date: If your parents’ flight is delayed, don’t worry! We can adjust the policy start date to match their actual arrival in Calgary.
Frequently Asked Questions (FAQs)
Can I get a refund if my parents return to Punjab early?
Yes! If your parents decide to go back home before the 365 days are up and no claims have been made, you can apply for a pro-rated refund for the unused portion of the insurance.
Does the insurance cover routine check-ups?
No. Super visa insurance for parents is designed for emergency medical care, hospitalization, and accidents. It does not cover routine physicals or elective procedures.
Why is private insurance mandatory for the Super Visa?
Since visitors are not covered by the Alberta Health Care Insurance Plan (AHCIP), the Canadian government requires private insurance to ensure that visitors do not become a financial burden on the public healthcare system.
Conclusion: Plan Your Reunion with Confidence
Your parents’ visit to Calgary should be filled with joy, not financial stress. By choosing the right super visa insurance for parents and grandparents, you are fulfilling a legal requirement and building a safety net for those you love most.
At Punjab Insurance, we are committed to providing the Calgary community with transparent, affordable, and comprehensive insurance solutions. Let us handle the paperwork so you can focus on making memories.
