Many parents and grandparents live with a condition like high blood pressure or diabetes. Here is how Super Visa insurance treats it, in plain words.
Any medical condition that existed before your policy’s start date (the effective date). It does not matter how minor it feels: if it was there before coverage began, it is pre-existing.
Common examples many parents live with:
For most plans the question is not “do they have a condition?” but “has it been stable?”
A condition is usually stable when nothing about it has changed, better or worse, during a set period before the policy starts. Each plan sets that period in its policy wording, for example 90 or 180 days, and it can depend on age.
Changes that can make a condition unstable:
Definitions differ between plans. The policy wording of the plan you buy is what decides.
Count how long the condition has been unchanged before the policy starts.
Long enough for a 90-day period, not yet for 180 days. Check which period your plan uses.
Same parent, same $100,000 coverage. The only difference is whether stable pre-existing conditions are covered.
Real quote from visitorguard.ca on Oct 17, 2026: age 68, $100,000, $1,000 deductible, Ontario, Nov 1, 2026 – Nov 1, 2027. Prices change with age, health and dates.
Plans that cover pre-existing conditions usually ask health questions when you buy. A wrong or missing answer can lead to a denied claim or a cancelled policy, so take a few minutes to get it right.
Quick answers below. For anything about your own family, talk to an advisor.
Yes. Many plans cover pre-existing conditions that have been stable for the period set in the policy, and plans without that cover are also available. Which one fits depends on your parent’s health history.
For new, unexpected emergencies that are not related to the pre-existing condition, usually yes. Emergencies caused by the pre-existing condition are not paid.
A change in medication or dose usually restarts the stability period, even if the change improved things. Check the stability period in the plan, or speak with an advisor before you buy.
The insurance itself usually works through health questions rather than an exam. This is separate from the immigration medical exam that IRCC requires for the Super Visa application.
In the policy wording of the plan you choose. It defines pre-existing conditions, stability and the stability period, and it always decides.
Compare Super Visa plans with and without pre-existing cover, side by side, then buy online.
General information only, not advice for your situation. Coverage, definitions and refunds depend on each insurer’s policy wording, which always decides. Visitor Guard is a broker; insurers review and pay claims and refunds.