They're coming to Canada. You're leaving Canada. Either way, understand the coverage first.

Current IRCC requirements ask for proof of private health insurance valid for a minimum of one year from the date of entry, providing at least $100,000 in emergency coverage, covering health care, hospitalization and repatriation. It must name the issuing insurer, be paid rather than quoted, be valid for each entry, and be available for a border services officer to review. Check the current requirements on canada.ca.

Under current IRCC requirements, minimum emergency coverage of $100,000. Requirements can change, so confirm against the IRCC page before you buy anything.

No. You don't currently need to buy five years of insurance upfront simply because a Super Visa holder may be allowed to stay for up to five years at a time. Under current IRCC requirements, the qualifying health insurance policy must be valid for at least one year from the date of entry, and the holder must maintain health insurance while in Canada. Three separate periods get confused here: a Super Visa can provide multiple entries for up to 10 years, eligible holders may be allowed to stay up to 5 years at a time, and the insurance requirement is a minimum of 1 year from entry. Neither the 10 years nor the 5 years is automatic — IRCC decides both.

No. Insurance is one of the requirements, not a decision. Eligibility and approval are determined by Immigration, Refugees and Citizenship Canada, and no advisor or insurer can influence that outcome.

It can, within limits. Current IRCC requirements allow a Canadian insurance company, or an insurer outside Canada that is authorized by OSFI to provide accident and sickness insurance, appears on OSFI's public list of federally regulated financial institutions, and issued the policy while doing insurance business in Canada. That's narrower than "any foreign insurer," so it's worth checking the specific policy against the IRCC guidance.

Visitor to Canada insurance isn't the same as the Super Visa requirement — the rules are different, and I'd avoid a blanket yes or no here. What it does is offer private coverage that may help with eligible emergency medical expenses during a visit, subject to the policy. Whether it's worth it depends on the visit and the person.

It depends on the person's status, the province and their circumstances — there's no single answer that applies to every visitor. It's worth establishing what does or doesn't apply in a specific case rather than assuming either way.

Pre-existing conditions can affect both eligibility and coverage, and the definitions, stability periods and requirements vary between policies. That means the specific contract has to be reviewed — I can't tell you it's covered or that it isn't without looking at the actual policy.

It depends entirely on the card, the policy and the trip. Card coverage varies a lot — in who's covered, trip length limits, age limits, coverage amounts and how pre-existing conditions are treated. Start by reading what you already have; sometimes it's sufficient.

That depends on the product. Purchase deadlines, when coverage can start, and eligibility rules differ between policies, and some have timing conditions attached. It's one of the first things to confirm for whichever product you're considering.

Sometimes, but it's product-specific and may involve restrictions or waiting periods. This isn't something to assume in either direction — it needs checking against the particular policy.

That's set by the specific product and its policy wording. Emergency medical coverage is the core of most travel insurance, but limits, exclusions and what else may be included vary. I'd go through the actual terms of whichever product we're considering.