Parents with pre-existing conditions can get Super Visa insurance. To have those conditions covered, choose a plan with stable pre-existing condition coverage and make sure each condition has been stable for the insurer's stability period (commonly 90, 180 or 365 days) before the policy starts. Answer every medical question truthfully.
What counts as a pre-existing condition?
Any medical condition, symptom or treatment that existed before the policy's start date — for example high blood pressure, type 2 diabetes, high cholesterol, thyroid disease, arthritis, asthma, heart disease or a past stroke.
How stability periods work
Insurers cover a pre-existing condition only if it stayed stable during a look-back period before coverage. Common reasons a condition is considered unstable:
- New diagnosis or new symptoms
- New medication, or a change in dose
- A new test, referral or awaiting results
- Hospital admission or emergency visit for the condition
Choosing the right plan
| Situation | Usually the best fit |
|---|---|
| Conditions stable and controlled | Plan with stable pre-existing coverage (shorter stability period = more flexibility) |
| Recent medication change | Plan with a short stability period, or wait until the period is met |
| Condition not stable | Plan without pre-existing coverage — that condition is excluded |
| No conditions | Lowest-cost plan that meets IRCC rules |
How to avoid a denied claim
- Get a list of every medication and dose from the family doctor before buying.
- Answer the questionnaire together with Pankaj — in Punjabi, Hindi or Urdu if that helps.
- Keep medical records from the home country in case the insurer asks.
- Don't change medication right before the policy starts without checking the impact.
Reviewed by Pankaj Bhatia, PFA, CHS · Last updated October 22, 2026