Parents from Pakistan need Super Visa insurance of at least $100,000, valid for one year from entry, from a Canadian insurer or an OSFI-authorized foreign insurer, and paid in full or by instalments with a deposit. Health or travel policies sold by local insurers in Pakistan generally don't meet IRCC's rule unless the company is on OSFI's list and issues the policy through its Canadian business.
Advice in Urdu
Medical questions are where Super Visa insurance goes wrong. Pankaj speaks Urdu, so your parents can explain their medicines and doctor visits in their own words on a WhatsApp call, and the answers on the application match what really happened. That's what makes a claim pay later.
Step by step
- Ask your parents for photos of current prescriptions and recent test reports.
- Get quotes with their exact ages and the expected entry date.
- Choose coverage — usually with stable pre-existing conditions included for parents over 60.
- Pay in full or pay the deposit for a monthly plan.
- Upload the policy and confirmation with the Super Visa application. The immigration medical exam is done separately by an IRCC panel physician.
- If the visa is refused, send the refusal letter for a refund.
Can we buy insurance in Pakistan?
Only if the insurer is authorized by OSFI to provide accident and sickness insurance in Canada and issues the policy through its Canadian business. Check the company on the OSFI list first, and read our guide to foreign insurers.
Practical tips
- Set the start date to the day your parents land in Canada.
- Pack enough regular medication for the stay — refills for an existing condition aren't an emergency.
- Trips back to Pakistan aren't covered; check the policy before travelling — see side trips.
- Save the insurer's 24/7 number and Pankaj's WhatsApp (1-647-640-2222) on your parents' phones.
Written and reviewed by Pankaj Bhatia, PFA, CHSLicensed insurance advisor (ON, BC, AB, MB, SK, NB, NS) · 11 years in financial services · Published October 29, 2026 · Last updated October 29, 2026