Upload the policy document or confirmation letter from the insurer. It must name the insurance company, show at least $100,000 of emergency coverage for health care, hospitalization and repatriation, cover at least one year from the date of entry, and show the policy is paid in full or that the deposit for instalments is paid. A quote is not accepted. Keep the same proof for the border officer when your parents arrive.
What the document must show
- Name of the insurance company
- Name and date of birth of each insured parent
- Coverage amount — $100,000 or more
- Start and end dates — at least 1 year
- Emergency health care, hospitalization and repatriation
- Paid in full, or deposit paid (instalments)
- Policy number
Monthly plans
For instalment plans, the confirmation should show the policy is active with the deposit paid and the payment schedule. Pankaj makes sure the letter from the insurer says this clearly. See monthly plans.
Common reasons insurance proof gets questioned
- Uploading a quote instead of a paid policy
- Coverage below $100,000 or shorter than one year
- Insurer not Canadian and not OSFI-authorized — see foreign insurers
- Names or dates of birth that don't match the passport
- Start date already passed by the time of entry with less than a year left
At the border
Your parents should carry a printed copy of the policy and confirmation letter. The border officer may ask to see it. If the travel date changed, make sure the start date was updated so the policy still covers a full year from entry.
Source: IRCC — Super visa for parents and grandparents, reviewed October 2026.
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