IRCC Super Visa information
Super Visa & Visitors Insurance
Manulife Financial
Canada's largest life insurance company, protecting Canadians for more than 135 years. Manulife's Visitors to Canada program offers three plan tiers — Basic, Standard, and Enhanced — with coverage up to $200,000 and 24/7 multilingual travel assistance.
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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
Manulife Super Visa Insurance: Backed by Canada's Largest Insurer
Bringing your parents or grandparents to Canada on a Super Visa is a major milestone — and choosing the right insurer matters. Manulife brings over 135 years of financial strength, a worldwide provider network, and three flexible plan tiers so you can match coverage to your family's health profile and budget.
Why Choose Manulife
Why Choose Manulife for Super Visa Insurance?
100% IRCC Compliant
Every Manulife plan at $100,000+ meets the mandatory Super Visa insurance requirements over the full 365-day policy term.
Three Plans to Match Your Budget
Choose Basic, Standard, or Enhanced coverage, with limits ranging from $15,000 up to $200,000.
180-Day Pre-Existing Condition Coverage
The Enhanced plan covers stable chronic conditions — like managed high blood pressure — provided they've been stable for 180 days before the policy starts.
Worldwide Travel Assistance
24/7 multilingual emergency assistance and the TravelAid mobile app, backed by one of Canada's most established insurers.
Flexible Deductibles
Choose from $0 up to $5,000 in deductible options to lower your premium to fit your budget.
Coverage Details
What Manulife Financial Covers
Manulife's Enhanced plan provides comprehensive emergency medical benefits for visiting parents and grandparents, backed by 24/7 travel assistance and the TravelAid mobile app. See the full Basic vs. Standard vs. Enhanced breakdown below.
Emergency Hospitalization
Physician visits, hospital room, diagnostic tests, and in-hospital medication
Physician & Specialist Visits
Attending physician and specialist fees, in or out of hospital
Local Ambulance
Licensed local ambulance for emergency transportation; air ambulance covered under repatriation
Prescription Drugs
Up to $500, not exceeding a 30-day supply
Emergency Dental
Standard & Enhanced plans only: up to $4,000 for accidental injury, plus $300 for acute dental pain relief
Repatriation
Economy airfare home, stretcher fare, or full air ambulance if medically necessary
Extended Health Care
Up to $5,000 for nursing care and medical equipment rental
Accidental Death & Dismemberment
Up to $25,000 on Standard and Enhanced plans
Healthcare Practitioner Services
Chiropractor, physiotherapist, acupuncturist — combined up to $1,000
Continuing Treatment
Follow-up visits directly related to the covered emergency
Bedside Visit & Family Return
Up to $3,000 airfare for a family member, plus return airfare for accompanying children
Worldwide Travel Assistance
24/7 multilingual emergency assistance line and the TravelAid mobile app
| Benefit | Basic | Standard | Enhanced |
|---|---|---|---|
| Hospital & Medical | |||
| Hospital Accommodation | Semi-private room | Semi-private room | Semi-private room |
| Physician Care & Diagnostic Tests | Covered in full | Covered in full | Covered in full |
| Extended Healthcare (nursing, equipment rental) | $5,000 | $5,000 | $5,000 |
| Healthcare Practitioner Services | $1,000 combined total | $1,000 combined total | $1,000 combined total |
| Local Ambulance | Covered in full | Covered in full | Covered in full |
| Prescription Drugs (30-day supply) | $500 | $500 | $500 |
| Dental Emergency | |||
| Accidental Damage to Teeth | Not included | $4,000 | $4,000 |
| Relief of Dental Pain | Not included | $300 | $300 |
| Death & Dismemberment | |||
| Accidental Death & Dismemberment | Not included | Up to $25,000 | Up to $25,000 |
| Pre-Existing Conditions | |||
| Stable Pre-Existing Conditions | Not included | Not included | Covered — stable 180 days before effective date (medical declaration required ages 55–85) |
| Continuing Treatment | |||
| Follow-up Visits | Limited to 1 follow-up visit | Continues until emergency ends | Continues until emergency ends |
| Travel & Companion Support | |||
| Extra Hotel, Meals & Taxi | $150/day, max $1,500 | $150/day, max $1,500 | $150/day, max $1,500 |
| Return of Children Under Your Care | Economy airfare covered | Economy airfare covered | Economy airfare covered |
| Bedside Visit for Family/Friend | $3,000 airfare + $500 hotel/meals | $3,000 airfare + $500 hotel/meals | $3,000 airfare + $500 hotel/meals |
| Expenses Related to Death | $7,500 | $7,500 | $7,500 |
| Repatriation & Air Ambulance | Covered in full (pre-approved) | Covered in full (pre-approved) | Covered in full (pre-approved) |
| Return of Excess Baggage | $300 | $300 | $300 |
Figures are per insured person, per policy, and are based on the official Manulife Visitor to Canada policy wording (Basic, Standard, and Enhanced plans, effective October 2023). Coverage is always subject to your policy limit, deductible, and all policy exclusions.
Plan Options
Deductible & Premium Estimates
Select a deductible level that fits your budget. A higher deductible reduces your monthly premium.
| Deductible | Est. Monthly Premium* | Premium Savings | Best For |
|---|---|---|---|
| $0Most Popular | ~$190–$290 | — | Complete coverage, zero out-of-pocket expenses |
| $500 | ~$160–$245 | ~15% | Minimal cost sharing, near-full coverage |
| $1,000 | ~$150–$225 | ~22% | Popular balance of premium and peace of mind |
| $2,500 | ~$135–$210 | ~28% | Confident applicants with a financial cushion |
| $5,000 | ~$125–$190 | ~35% | Maximum savings, highest personal coverage share |
* 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
Manulife's Enhanced plan covers stable pre-existing conditions. A condition is stable when there has been no new or changed treatment, no medication changes, no worsening symptoms, no hospitalization or specialist referral, and no pending tests within 180 days before the policy effective date.
Enhanced Plan — 180 days stability
All seven stability criteria must be met for the full 180 consecutive days prior to the effective date of the policy. The Basic and Standard plans do not cover pre-existing conditions.
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 Manulife policy wording for the exact terms, limits, and exclusions that apply to your coverage.
Common Questions
Frequently Asked Questions
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