At a glance: Super Visa insurance must provide at least $100,000 in emergency coverage, remain valid for 12 months from entry into Canada and come from a recognized Canadian insurer. Here is how to compare leading Quebec options in 2026.
Welcoming parents or grandparents to Canada with a Super Visa requires purchasing private emergency medical insurance in advance. According to Immigration, Refugees and Citizenship Canada (IRCC), the policy must be valid for at least 12 months from entry and provide at least $100,000 for medical care, hospitalization and repatriation.
With so many contracts available, finding the right balance of compliance, suitable coverage and price is an important step. This guide presents dependable options for Quebec residents in 2026.
Transparency: this guide is published by Ehcover, a broker that distributes several of the insurers mentioned. Providers are compared on IRCC compliance, plan selection, pre-existing condition options and payment terms.
IRCC’s mandatory Super Visa insurance criteria
- Minimum limit: at least $100,000 in emergency coverage.
- Validity: 365 consecutive days from entry into Canada.
- Covered care: hospital expenses, emergency consultations and repatriation.
- Insurer status: a Canadian insurer or an institution authorized by the Office of the Superintendent of Financial Institutions (OSFI) and recognized by IRCC.
- Proof of purchase: a quote is not enough; you need a policy certificate paid in full or with a confirmed first instalment.
2026 ranking of Super Visa insurance providers in Quebec
1. Ehcover.ca: a Quebec multi-insurer platform
Ehcover brings together several insurers, including TourMed, TruStone, Destination and Travelance. This approach lets you compare premiums and terms to find a contract that meets IRCC requirements.
- Compliance: the plans presented meet the $100,000 threshold for one year.
- Monthly payments: spread the policy cost with minimal fees.
- Older visitors: options for grandparents, subject to each insurer’s age limits.
- Pre-existing conditions: endorsements may cover stable chronic illnesses.
- Speed: comparative quotes and downloadable policy evidence for the visa application.
- Ideal for: families who want quick comparisons, monthly payments and impartial guidance.
Try our Super Visa insurance calculator.
2. Allianz Global Assistance: the reassurance of a global provider
An international travel assistance provider, Allianz offers Super Visa plans known for robust administration.
- High limits: $100,000 minimum, with higher tiers available.
- Care network: direct claims handling with Canadian hospitals and clinics.
- Pre-existing health conditions: optional coverage subject to stability criteria.
- Ideal for: those who value a multinational provider and round-the-clock assistance.
3. TuGo: flexibility and customization
TuGo is a Canadian insurance provider distributed through a broad network of independent brokers and financial partners.
- Broad coverage: plans designed for Super Visa standards.
- Modular protection: pre-existing condition options and adjustable deductibles.
- Claims support: efficient emergency handling and bilingual assistance.
- Ideal for: those seeking tailored coverage with a budget-appropriate deductible.
Super Visa plan comparison
| Feature | Ehcover.ca | Allianz Global Assistance | TuGo |
|---|---|---|---|
| Distribution model | Quebec multi-insurer comparison platform | Direct insurer | Direct insurer and brokers |
| IRCC compliance | Compliant policies ($100,000 / 12 months) | Meets federal requirements | Meets federal requirements |
| Available insurers | TourMed, TruStone, Destination, Travelance and others | Allianz products | TuGo products |
| Pre-existing conditions | Multiple options depending on insurer | Optional, subject to stability | Optional, subject to stability |
| Payments | Annual or monthly with minimal fees | Annual as standard | Annual as standard, depending on broker |
| Quote and purchase | Online comparison | Online | Online or through a broker |
| Key strength | Broad choice and monthly payments | International network | Flexible deductibles |
Practical tips before buying a Super Visa policy
- Visa refusal refunds: check whether the insurer refunds the premium upon presentation of IRCC’s refusal letter, and under what conditions.
- Effective date: choose a contract that allows free changes to the start date before departure.
- Stability clause: for hypertension, diabetes or a cardiac history, check the required stability period, often 90 to 180 days. Learn more about medical stability and travel insurance.
- Deductible: a $500 or $1,000 deductible can significantly reduce premiums. See our five tips for affordable Super Visa insurance.
- Compare: rates rise quickly after ages 65 and 75; comparing insurers helps avoid overpaying.
Conclusion
For most Quebec families, a specialist broker such as Ehcover is the simplest route: compare coverage from TourMed, Travelance, TruStone, Allianz and other insurers, and have protection in place when loved ones arrive. With sponsorship limited, the Super Visa remains a way to bring families together.
Frequently asked questions
How much insurance is required for a Super Visa?
IRCC requires at least $100,000 in emergency medical insurance covering healthcare, hospitalization and repatriation, valid for at least 12 months from entry into Canada.
Which insurers can issue a Super Visa policy?
The policy must be issued by a Canadian insurer or an institution authorized by OSFI and recognized by IRCC.
Is a quote enough for a Super Visa application?
No. Proof of purchase is required: a policy certificate paid in full, or with a confirmed first instalment when monthly payments are selected.
Can I pay for Super Visa insurance monthly?
Yes. Ehcover offers monthly payment plans with minimal fees through certain insurers, avoiding a single upfront annual premium.
Are pre-existing medical conditions covered?
Depending on the insurer, options cover stable chronic conditions. Check the required stability period, often 90 to 180 days without treatment changes.