VANCOUVER, BC
Super Visa Insurance in Vancouver
IRCC-compliant medical insurance for parents and grandparents joining family in Vancouver. We compare Canadian insurers for you and get proof of insurance ready before you apply.
What IRCC requires
The policy must come from a Canadian insurer, give at least $100,000 of emergency coverage, cover health care, hospitalization and repatriation, and be valid for at least one year from entry.
Buy it before you apply
IRCC needs proof that the policy is paid in full, or paid in instalments with a deposit. A quote is not accepted, so arrange cover before you submit the application.
If the visa is refused
Refund terms differ by insurer when a super visa is refused. We confirm the refund rules for your policy in writing before you buy.
LOCAL
A Lower Mainland broker, not a call centre
Our office is at 12885 80 Avenue, Suite 204 in Surrey, and we are licensed in British Columbia, Alberta and Ontario. Vancouver families can meet us in person or handle everything by phone and email. Call an advisor on 604-828-7213.
Common questions
Does BC MSP cover my parents while they visit Vancouver?
No. The BC government says you must be a BC resident to qualify for MSP, which means being a Canadian citizen or permanent resident who lives in BC. Visiting parents do not qualify, so private super visa insurance covers them for the whole stay.
My parents fly direct to YVR. When should cover start?
Cover must be active from the day they land, and IRCC needs it to run at least one year from entry. Set the start date to the arrival date, and update it with the insurer if the flight changes.
If they need care in Vancouver
Vancouver has two major emergency departments. Vancouver General Hospital is BC’s only accredited Level 1 trauma centre, according to the VGH Foundation. St. Paul’s Hospital at 1081 Burrard Street downtown runs a 24/7 emergency department, and Providence Health Care expects its new St. Paul’s campus to open in 2027. Visitors are not covered by MSP, so when you can, call the insurer’s 24/7 assistance line first. They can guide your parents to care and explain how billing works under the policy.
The four conditions, in full
Four conditions decide whether a policy supports the application. They are set by IRCC and apply the same way in Vancouver as anywhere else in Canada.
Cover from a Canadian insurer
The policy must be issued by a Canadian insurer, or by a foreign insurer authorized by OSFI to do insurance business in Canada. The insurer’s name must appear on the policy. A plan bought in your parents’ home country usually does not qualify.
At least one year from entry
Cover must run at least one year from the day your parents arrive, and they need valid proof of insurance each time they enter Canada. If a policy will end before they leave, renew it.
At least $100,000 emergency cover
IRCC requires at least $100,000 of emergency coverage, and the policy must include health care, hospitalization and repatriation.
Paid, not just quoted
Your proof must show the policy is paid in full, or paid in instalments with a deposit. Border officers at YVR can ask to see it when your parents arrive.
Before you buy
Does a higher deductible lower the premium?
Usually. With a higher deductible your family pays more of the first costs of a claim, and the premium is lower in return. Pick a deductible you could pay without stress.
What if my parents have a pre-existing condition?
Many plans cover pre-existing conditions only if they have been stable for a set period before the policy starts. Stability rules differ by insurer and by age, so share your parents’ health history honestly when you ask for a quote.
Can the premium be paid monthly?
Yes, with some insurers. IRCC accepts a policy paid in instalments with a deposit, so a monthly plan can support the application. We will show you which insurers offer it.
Not sure what fits? Ask a broker.
Tell us what you are protecting and we will come back with real options, usually the same day.