Super Visa Canada

The IRCC checklist tells you what to submit. It does not tell you where those documents trip real applicants. The four patterns below cause most Super Visa returns and refusals on files reviewed at the office. Each names a failure mode the document-verification and consistency-audit stages of the Mirzoyan Methodology catch before submission.

Host income that falls short for the family size. IRCC checks the host's income against the minimum necessary income for the combined family size. The single most common error is family-size math: a household of four inviting both parents counts a family of six, not four, and a host who counts only the nuclear household applies the wrong line and submits under the threshold. A second pattern is leaning on income that does not count, such as the Guaranteed Income Supplement, provincial social assistance, or foreign income earned outside Canada. The 2026 change helps here, because the host can now meet the figure in either of the two taxation years before applying and can add the visiting parent's income, but only when the documents actually support it.

Medical insurance that fails the coverage or duration test. A policy fails when any one of health care, hospitalization, or repatriation is missing, or when a sub-limit sits below the $100,000 floor, for example a $100,000 aggregate with a $5,000 hospital cap buried in the schedule of benefits. Two timing errors recur: a policy whose coverage starts after the applicant's date of entry, leaving the first days uninsured, and a six- or nine-month travel product sold as a Super Visa policy when IRCC requires a full year. Generic travel insurance bought in place of a Super Visa product is one of the most common refusal triggers in this stream.

Insurance from an insurer that does not qualify. Since 2023, IRCC accepts policies from a company outside Canada, but only when the insurer is authorized by OSFI and the document states it was issued while the company was doing insurance business in Canada. A policy from an insurer that is not Canadian-authorized and does not carry that statement is a refusal trigger, even when the coverage amount looks correct. "International health insurance" does not automatically qualify. The insurer's status has to be confirmed before the premium is paid.

An invitation letter that contradicts the income documents. The letter of invitation is a cross-check against the host's income file. When the letter states one income figure and the Notice of Assessment shows another, the officer sees an inconsistency and can issue a procedural fairness letter. The same risk applies when the family size in the letter does not match the threshold used, or when the letter omits an explicit financial-support sentence. The consistency-audit stage of the Mirzoyan Methodology matches the letter to the income documents line by line before submission.