IRCC changed its insurer eligibility rules in January 2025
Certain insurance policies issued by an eligible foreign insurance company may now satisfy the Super Visa medical insurance requirement. The foreign insurer must meet the OSFI-related conditions and the policy must be issued while doing insurance business in Canada.
Not all foreign travel insurance policies qualify
An insurer being well known abroad does not automatically mean its policy meets IRCC’s rules. Check the actual underwriter, OSFI authorization, issuance location, certificate information, one-year term and required benefits.
Why a local comparison still helps
Whether you choose a Canadian carrier or a qualifying non-Canadian company, compare financial limits, claims assistance in Canada, emergency contact access and the stability requirements for pre-existing conditions. Your advisor can help interpret the wording; IRCC makes the final immigration determination.