How much super visa insurance do you actually need?
Zoe Zhou · Licensed Life & Health Insurance Agent, regulated by FSRA (Ontario)
Last reviewed: August 10, 2026 · checked against IRCC directly
The short answer
$100,000. Not $1 million.
That is the minimum emergency medical coverage IRCC requires. Pages in both English and Chinese get this wrong, and at least one page near the top of the search results states the minimum as $1 million — off by a factor of ten.
Ask me anything — plain answers, no sales pitch.
(General information only, not financial advice. Speak to a licensed professional about your own situation.)
Source text: “provide a minimum emergency coverage of $100,000”
IRCC, Super visa — Forms and documents · checked August 10, 2026
What else the policy has to do
| Requirement | What IRCC says |
|---|---|
| Minimum coverage | $100,000 in emergency medical |
| Term | Valid for at least 1 year from the date of entry |
| Must cover | Health care, hospitalization and repatriation |
| Each entry | Valid for every entry to Canada |
| At the border | Available for review by a border services officer on request |
| Named insurer | The policy must show the company that issued it |
Repatriation is the one people miss. Cheaper travel policies sometimes leave it out, and without it the policy does not meet the requirement.
Is $100,000 enough?
It is the legal minimum, not a recommendation.
It is worth knowing what a hospital stay actually costs in Ontario before deciding whether to buy more. Higher limits are available and cost more.
One thing to check on the paperwork
The policy must name the insurer — the company underwriting the risk. A broker’s name on the document is not the same thing, and this trips up applications.
Send me the policy and I will check it line by line against the IRCC requirements before you file.
