Bringing your parents to Canada? Cover them properly.
The most common reason families call me. Here’s how to choose emergency medical coverage for visiting parents and grandparents — including when there’s a health condition to manage.
Why this visit deserves extra care
Visiting parents and grandparents are usually the oldest travellers in the family and the most likely to have a managed health condition. That combination — higher medical risk and possible pre-existing conditions — is exactly where the right plan matters most, and where the wrong one fails at claim time.
Good news: with the right plan, a stable condition is frequently coverable, and the premium can stay reasonable with sensible choices.
What to get right
Coverage amount
$100,000 is a common choice; consider higher for older parents or longer stays. A Super Visa has its own minimum.
Pre-existing rules
Match the plan’s stability period to your parent’s actual medical history.
Buy before arrival
Coverage in force on day one; avoids the post-arrival waiting period for new illness.
Refund protection
Ask about refunds if the visa is refused or the trip is cut short with no claim made.
Regular visit or Super Visa?
If your parents are visiting on a standard visitor visa, you have flexibility on coverage amount and term. If you’re applying for the Super Visa — the multi-year visa for parents and grandparents — the program requires insurance that meets a minimum coverage amount and term from an approved provider. The right path depends on your goal; I can walk you through both.
Parents & grandparents FAQ
How much coverage do my visiting parents need?
My parent has a health condition — can they still be covered?
Should I buy before they arrive?
What if their visa is refused?
Related
Let’s get your parents covered — properly.
Share their ages, dates, and any health notes in confidence. I’ll compare plans that fit and explain every term. No payment to get a quote.