Super Visa Insurance Calgary: IRCC-Ready Coverage for Your Parents
Super visa insurance in Calgary is the private medical coverage your parents or grandparents must hold before Canada approves their super visa. It has to include at least $100,000 in emergency coverage, stay valid for one year from the day they enter Canada, and pay for health care, hospitalization and repatriation.
At Punjab Insurance Calgary, we compare plans from trusted insurers such as GMS, RIMI, 21st Century and Manulife, so you can choose insurance for your parents’ super visa that fits your budget and gets your application ready without delays. You can get a free super visa insurance quote in a few minutes.
What is Super Visa Insurance?
The super visa lets parents and grandparents of Canadian citizens and permanent residents stay in Canada for up to five years at a time. In return, Immigration, Refugees and Citizenship Canada (IRCC) wants proof that visiting family will not rely on the public health system if something goes wrong.
That proof is a super visa medical insurance policy, a type of visitor insurance built for long stays. If your parent has a sudden illness, an accident or needs hospital care, the policy covers the bills, and if the worst happens, it covers sending them home.
What does IRCC require from your insurance policy?
A policy only counts if it meets every condition below.
Emergency medical coverage of at least $100,000
Validity of at least one year from the date your parent enters Canada
Coverage for health care, hospitalization and repatriation
Issued by a Canadian insurance company, or a foreign insurer authorized by the Office of the Superintendent of Financial Institutions (OSFI)
Proof that the policy has been paid for, which you include with the application
We check each of these before you buy, so the policy you receive is one a visa officer can accept.
Why do families choose Punjab Insurance Calgary?
Buying insurance for a super visa is rarely just about price. Families want clear answers, a plan that fits the way they manage money, and someone who will pick up the phone if a document needs fixing. Here is how we help.
Monthly payment plans. Spread the premium over the year rather than paying it all at once. See the details on our monthly plans page
Coverage of $100,000, $500,000 or upto $1 Million . Meet the minimum, or add a bigger safety margin for hospital costs.
Refund if the visa is denied. If IRCC refuses the application, you can cancel and receive a refund, less administrative fees.
Flexible start dates. You can change the policy start date as many times as needed before it takes effect, which helps when flights or visa timing shift.
Guidance from a local advisor. Branch manager Gurinder Chahal and the Punjab Insurance Calgary team walk you through each step in plain language.
How much does super visa insurance cost in Calgary?
The premium is not the same for every family. Insurers price each policy using a handful of factors:
- The age of each parent or grandparent
- Their current health and any pre-existing conditions
- The coverage amount, $100,000 or $150,000
- The deductible you choose
- Whether you buy a single policy or cover a couple together
- Whether you pay in full or monthly
Because every insurer weighs these differently, the cheapest plan for one couple may not be the cheapest for another. A comparison takes the guesswork out.
Can parents with pre-existing conditions get covered?
In many cases, yes. Conditions such as diabetes, high blood pressure, heart conditions or arthritis may be covered if they have been stable before the policy starts. Each insurer sets its own definition of stable and its own waiting period, and some plans exclude certain conditions altogether.
Tell us about your parents’ health upfront. We will match them with plans that accept their situation, so there are no surprises at claim time.
How do you apply for super visa insurance in Calgary?
- Ask for a free quote and share your parents' ages and travel date.
- Compare plans, deductibles, coverage amounts and payment options.
- Choose the policy that suits your family.
- Complete the application and pay in full or monthly.
- Receive your policy documents, with proof of payment, by email.
Most families finish in a single sitting. If you would like help with any step, our super visa insurance guide explains the full process.
What else should you check before you buy?
A good policy is more than a price. Look closely at:
- The exclusions and the stability period for existing conditions
- Which hospitals and clinics the insurer can pay directly
- How refunds work if plans change
- How easy it is to reach the insurer when a claim happens
If your parents will be travelling around Canada or you want extra protection for the rest of the family, we also arrange travel insurance, life insurance and disability insurance, plus international student insurance and an RESP for your children’s education.
Ready to get your parents covered?
Getting the right policy takes the pressure off your visa application and your family.
Frequently Asked Question
Yes. Every super visa applicant must show proof of valid private medical insurance, whether the family lives in Calgary or anywhere else in Canada. Without it, IRCC will not approve the visa.
The minimum is $100,000 in emergency medical coverage, valid for at least one year from the date of entry. It must cover health care, hospitalization and repatriation.
Yes. Several insurers offer monthly payment plans, so you do not need to pay the full year upfront. Check the plan terms and any added fees before you choose.
If IRCC denies the application, you can cancel the policy and request a refund. Administrative fees may apply, and the exact terms depend on the insurer.
Yes. With plans arranged through Punjab Insurance Calgary, you can change the start date as often as needed before the policy takes effect, which is useful if travel dates move.
Super visa insurance is built to meet IRCC rules, including the $100,000 minimum and one-year validity. Regular travel insurance is usually shorter, may carry lower limits and may not be accepted for a super visa application.
Once your application is complete and payment goes through, the insurer emails your policy documents and proof of payment, often the same day.
Punjab Insurance Calgary is a local insurance advisory team that compares plans from several Canadian insurers. You can request a quote online, review the options with an advisor and complete the application without leaving home.
