What Is Super Visa Insurance and Why It’s Mandatory

Calgary, Alberta — Punjab Insurance today announces a detailed public explanation of What Is Super Visa Insurance and Why It’s Mandatory, addressing one of the most critical requirements for families seeking long-term visits to Canada under the Super Visa program. With immigration rules becoming increasingly precise, understanding Super Visa Insurance is no longer optional—it is foundational to approval, entry, and peace of mind.

Understanding Super Visa Insurance: A Federal Requirement with Clear Purpose

Super Visa Insurance is a mandatory private medical insurance policy required by Immigration, Refugees and Citizenship Canada (IRCC) for parents and grandparents applying for a Canadian Super Visa. The policy must be issued by a Canadian insurance provider and meet strict coverage thresholds. Its purpose is unambiguous: to ensure visitors are fully protected against high medical costs during extended stays in Canada, without burdening the public healthcare system.

IRCC requires applicants to show proof of paid insurance before a Super Visa is granted. This requirement reflects Canada’s commitment to responsible immigration—welcoming families while safeguarding public resources.

Why Super Visa Insurance Is Mandatory, Not Optional

Healthcare in Canada is among the most advanced in the world—and among the most expensive for uninsured visitors. A single emergency hospitalization can cost tens of thousands of dollars. Super Visa Insurance is mandatory because it guarantees immediate financial coverage for emergencies, hospitalization, and repatriation, starting from the date of entry.

Without valid Super Visa Insurance, applications are refused outright. Even after approval, a lapse or cancellation of coverage can jeopardize admissibility at the port of entry. The mandate is strict, enforceable, and consistently applied.

Mandatory Coverage Requirements Defined by IRCC

Super Visa Insurance must meet all of the following criteria:

• Minimum coverage of CAD $100,000

• Valid for at least one year from the date of entry

• Covers healthcare, hospitalization, and repatriation

• Issued by a Canadian insurance company

• Proof of payment (quotes alone are not accepted)

These requirements ensure comprehensive protection throughout the visitor’s stay, whether for routine care or unforeseen emergencies.

Long-Term Stays Demand Long-Term Protection

Unlike standard visitor visas, the Super Visa allows parents and grandparents to stay in Canada for up to five consecutive years per visit. This extended duration increases exposure to medical risk, particularly for older visitors. Super Visa Insurance is designed specifically for this demographic, offering tailored benefits, optional deductibles, and flexible payment structures.

Punjab Insurance structures policies that balance compliance, affordability, and coverage depth—ensuring families meet IRCC requirements without compromising financial planning.

Financial Security for Families and Sponsors

Super Visa Insurance is not only protection for visitors; it is a safeguard for sponsoring families in Canada. In the absence of insurance, medical liabilities can fall directly on relatives. Mandatory insurance transfers this risk to regulated insurers, delivering certainty, predictability, and legal compliance.

Sponsors gain confidence knowing that parents and grandparents are fully protected, regardless of health events during their stay.

Refunds, Renewals, and Policy Flexibility

A common concern among applicants is flexibility. Super Visa Insurance policies can often be refunded if a visa is refused, subject to policy terms. Renewals and extensions are also available, allowing continuous compliance for long-term or repeat visits. Punjab Insurance provides structured guidance on renewals, early termination clauses, and deductible options—details that materially affect cost and coverage.

About Punjab Insurance

Punjab Insurance is a Canada-based insurance provider specializing in Super Visa Insurance solutions for families worldwide. With a focus on regulatory accuracy, transparent coverage, and client-first service, Punjab Insurance supports applicants from policy selection through visa approval and beyond.

Contact Information:
Punjab Insurance
1129-3730 108 Ave NE, Calgary, AB T3N1V9
Email: [email protected]
Phone: 587-707-7000

For families planning extended reunions in Canada, understanding what Super Visa Insurance is and why it’s mandatory is the first step toward a secure, compliant, and successful Super Visa application.