IRCC Super Visa information
Super Visa Insurance
Group Medical Services (GMS)
Canadian-owned and operated since 1949, GMS is one of Canada's most trusted health benefits companies. Their Super Visa Insurance offers flexible deductibles and strong pre-existing condition coverage.
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Coverage Details
Super Visa policies run a fixed 365 days from your start date.
Applicants(1 of 2)
Your Trusted Partner
GMS Super Visa Insurance: Trusted Protection for Your Parents & Grandparents
Bringing your parents or grandparents to Canada on a Super Visa is an exciting milestone, but ensuring their health and your financial peace of mind is the most critical step. Group Medical Services (GMS) provides specialized, government-compliant Super Visa insurance designed to cover unexpected medical emergencies, letting you focus entirely on making memories together.
Why Choose GMS
Why Choose GMS for Super Visa Insurance?
100% IRCC Compliant
GMS offers the mandatory $100,000 and $150,000 coverage limits over the required 365-day uninterrupted policy term.
Simplified Eligibility Under Age 55
Applicants under the age of 55 face far fewer medical eligibility conditions than the detailed health screening required for applicants aged 55 and up.
180-Day Pre-Existing Condition Stability
If your parents or grandparents have chronic, managed conditions (like high blood pressure), GMS covers them provided the condition has been stable for 180 days before the policy starts.
Flexible Deductibles to Lower Costs
Choose between $0, $100, $500, or $1,000 deductibles to customize your premium to fit your budget.
No Waiting Period If You Apply Before Arrival
Apply before you arrive in Canada, or transfer seamlessly from another Canadian provider with zero gap in coverage, and there is no waiting period at all. Applying after arrival still starts injury coverage immediately.
Coverage Details
What Group Medical Services (GMS) Covers
GMS Super Visa Insurance provides comprehensive emergency medical coverage for parents and grandparents visiting Canada. See the full benefit-by-benefit breakdown below.
Emergency Hospitalization
Semi-private room, nursing care, hospital services
Physician & Specialist Visits
Attending physician, specialist consultations, surgeons
Ambulance Transport
Land and air ambulance when medically necessary
Prescription Drugs
Emergency prescription medications (30-day supply)
Medical Repatriation
Return home for medical care when medically necessary
Accidental Dental
Emergency dental treatment for accidental injuries (up to $2,000)
Diagnostic Services
X-rays and other tests ordered by a physician (MRI, CT scans, and ultrasounds require pre-authorization)
Follow-up Visits
Covered until your emergency is deemed to have ended, generally within 14 days
Childcare Benefit
Up to $500 for childcare if you are hospitalized
| Benefit | GMS Coverage |
|---|---|
| Hospital & Physician Care | |
| In-Hospital Accommodation | Semi-private room |
| Physician & Surgeon Care | Covered in full |
| Diagnostic Services (X-rays & tests) | Covered in full (MRI, CT, ultrasound require pre-approval) |
| Out-Patient Emergency Room | Covered in full |
| Prescriptions & Practitioners | |
| Prescription Medication (30-day supply) | Covered in full |
| Health Practitioners (chiro, physio, podiatrist, etc.) | $500 aggregate maximum |
| Ambulance (road or air) | Covered in full (helicopter excluded) |
| Dental Emergency | |
| Accidental Damage to Teeth | $2,000 |
| Relief of Dental Pain | $300 |
| Death & Repatriation | |
| Return of Remains (transport) | $10,000 |
| Return of Remains (cremation/burial) | $4,000 |
| Repatriation Without Medical Attendant | $5,000 (incl. 1 family member's airfare) |
| Repatriation With Medical Attendant / Air Ambulance | Covered in full (pre-approved) |
| Additional Support | |
| Child Care (if you are hospitalized) | $500 |
| Out-of-Pocket Expenses for Family Member | $150/day, max $1,000 |
| Follow-up Visits | Covered until emergency ends, generally within 14 days |
| Side Trips Outside Canada (up to 30 days) | |
| Air Ambulance | Covered in full (pre-approved) |
| Special Attendant | 1 round-trip economy airfare |
| Escort of Dependant | One-way economy airfare |
Figures are per insured person, per policy, and are based on the official GMS Immigrants & Visitors to Canada policy wording (effective May 15, 2024). Coverage is always subject to your policy dollar limit, deductible, and all policy exclusions.
Plan Options
Deductible & Premium Estimates
Choose a deductible that fits your budget. Higher deductibles mean lower monthly premiums.
| Deductible | Est. Monthly Premium* | Premium Savings | Best For |
|---|---|---|---|
| $0Most Popular | ~$180–$280 | — | Maximum peace of mind, zero out-of-pocket |
| $1,000 | ~$130–$200 | ~28% | Balance of cost and coverage |
| $2,500 | ~$100–$160 | ~40% | Healthy applicants comfortable with some risk |
| $5,000 | ~$70–$120 | ~55% | Budget-conscious, strong emergency fund |
| $10,000 | ~$50–$90 | ~65% | Lowest premium, high personal coverage capacity |
* Estimates based on a 65-year-old applicant for a 12-month policy. Actual premiums vary by age, health history, and coverage amount.
Stability Clause
Pre-Existing Condition Coverage
GMS covers stable pre-existing conditions. A condition is stable when there have been no new symptoms, no treatment changes, no medication changes, and no doctor visits for that condition within the required stability period.
All Plans — 180 days stability
Medical conditions must be stable for 180 days before the policy start date to be eligible for pre-existing condition coverage under GMS.
What counts as "stable"
- No new or worsening symptoms
- No new diagnosis or change in existing diagnosis
- No new prescriptions or change in medication dosage
- No hospitalization or referral to a specialist
- No tests ordered or results outstanding
Important Note
Conditions not meeting the stability requirement are excluded. A licensed advisor can help confirm eligibility before you purchase.
Official Documentation
Policy Wording Documents
Read the full, official GMS policy wording for the exact terms, limits, and exclusions that apply to your coverage.
Common Questions
Frequently Asked Questions
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