IRCC Super Visa information
Super Visa & Visitors Insurance
TruStone Health
A 100% Canadian insurer offering some of the most competitively priced Super Visa and Visitors to Canada plans on the market, backed by a no-commission advisor model and a 100% premium refund if the Super Visa is refused.
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Coverage Details
Super Visa policies run a fixed 365 days from your start date.
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Your Trusted Partner
100% Canadian, Built to Be Affordable
TruStone Health is a 100% Canadian insurer, licensed across every province and territory, built around straightforward and competitively priced Super Visa and Visitors to Canada coverage. With plans starting from $1.50 a day, a no-commission advisor model, and a cancellation-penalty waiver if the Super Visa is refused, TruStone is designed to make protecting your parents or grandparents simple — without overpaying for it.
Why Choose TruStone
Why Choose TruStone Health for Super Visa Insurance?
100% Canadian Company
Licensed across every province and territory, TruStone Health is built specifically for the Canadian visitor insurance market.
Among the Most Affordable Plans
Super Visa plans start from just $1.50 a day, with deductible discounts of up to 40%.
No-Commission Advisors
Licensed advisors earn no commission tied to the policy you choose, so their guidance isn't driven by a sales incentive.
Cancellation Penalty Waived on Visa Refusal
If the Super Visa application is denied and you provide the denial letter before your policy start date, TruStone waives its short-rate cancellation penalty (non-refundable service fees may still apply).
Trip-Break Flexibility
Take short trips outside Canada during the policy period without cancelling or interrupting coverage.
Coverage Details
What TruStone Health Covers
Straightforward emergency medical coverage for parents and grandparents visiting Canada, at some of the most competitive rates on the market. See the full benefit-by-benefit breakdown below.
Emergency Hospitalization
Hospital and physician expenses covered up to your coverage limit
Physician Services
Emergency physician and specialist consultations
Ambulance Transport
Licensed local ambulance service, up to $5,000
Emergency Air Transportation
One-way economy airfare, stretcher, or air ambulance home, up to $25,000
Relief of Dental Pain
Up to $5,000 combined for sudden dental infection or accidental damage to natural teeth
Private Duty Nursing
Up to $10,000 for medically necessary private nursing care
Medical Appliances
Crutches, braces, and similar equipment, up to $5,000
Follow-up Visits
Covered for up to 30 days after the initial emergency treatment
Professional Medical Services
50% of expenses for physiotherapy, chiropractic, and similar services, up to $2,000 combined
Repatriation
Return transport to your country of residence if hospitalized 3+ days, up to $10,000
Trip-Break Flexibility
Take short trips outside Canada without cancelling or interrupting your coverage
| Benefit | TruStone Coverage |
|---|---|
| Hospital & Medical | |
| Hospital & Physician | Covered up to coverage limit |
| Prescription Medication (30-day supply) | Up to coverage limit |
| Diagnostics & Lab | Up to coverage limit |
| Local Ambulance | Up to $5,000 |
| Private Duty Nursing | Up to $10,000 |
| Medical Appliances | Up to $5,000 |
| Other Listed Practitioners (chiro, physio, etc.) | 50% up to $2,000 |
| Follow-up Visits | Up to 30 days after the emergency ends |
| In-Hospital Expenses (phone, TV rental) | Up to $2,000 |
| Dental Emergency | |
| Relief of Dental Pain (infection or accidental damage) | Up to $5,000 |
| Transportation & Family Support | |
| Emergency Transportation to Country of Residence | Up to $25,000 |
| Return of Dependents | Up to $3,500 |
| Escort of Dependents | Up to $3,000 |
| Relative to Bedside (transport) | Up to $2,000 |
| Relative to Bedside (meals & accommodation) | Up to $100/day |
| Meals & Accommodation (delayed return) | Up to $100/day |
| Repatriation (if hospitalized 3+ days) | Up to $10,000 |
| In the Event of Death | |
| Return of Body to Country of Residence | Up to $10,000 |
| Cremation or Burial at Place of Death | Up to $4,000 |
| Optional Coverage | |
| Stable Pre-Existing Conditions | Not included by default — optional add-on requiring a medical questionnaire; 90-day stability (or 365-day option) |
| Accidental Death Coverage | Not included by default — optional add-on |
Figures are per insured person, per policy, and are based on the official TruStone Health (HMC Visitors and Immigrants to Canada) policy wording, underwritten by The Empire Life Insurance Company (7/2025). Coverage is always subject to your coverage limit, deductible, and all policy exclusions.
Plan Options
Deductible & Premium Estimates
Choose a deductible that fits your budget — TruStone offers discounts of up to 40% for higher deductibles.
| Deductible | Est. Monthly Premium* | Premium Savings | Best For |
|---|---|---|---|
| $0Most Popular | ~$130–$220 | — | Full coverage, no surprise costs at time of claim |
| $500 | ~$115–$195 | ~12% | Low out-of-pocket with modest premium savings |
| $1,000 | ~$105–$175 | ~20% | Popular choice — balances cost and coverage well |
| $2,500 | ~$90–$155 | ~30% | Budget-friendly with an adequate emergency reserve |
| $5,000 | ~$80–$130 | ~40% | Maximum discount, TruStone's highest available deductible |
* 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
TruStone offers two ways to get coverage: a lower-cost plan without pre-existing condition coverage, or a plan that covers stable pre-existing conditions (a medical questionnaire is required). Under the standard plan, a condition must be unchanged and not deteriorating — no new symptoms, medication changes, or hospitalizations — for 90 days before the policy effective date. An optional plan using a 365-day stability window is also available.
Standard Plan — 90 days stability
Pre-existing conditions must be stable for 90 consecutive days before the policy effective date. A medical questionnaire is required to add this coverage.
Extended Stability Plan (Optional) — 365 days stability
An alternative plan that uses a 365-day stability window instead of the standard 90 days. Ask an advisor whether this option fits your parent or grandparent's medical history.
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 TruStone policy wording for the exact terms, limits, and exclusions that apply to your coverage.
Common Questions
Frequently Asked Questions
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