Planning to bring your parents or grandparents to Canada for an extended visit under the Super Visa program? One of the most important (and often confusing) aspects of the application process is figuring out the Super Visa insurance cost.
Whether you’re comparing Super Visa insurance rates or trying to understand why costs vary so widely, this comprehensive guide will walk you through everything you need to know. From pricing factors to savings tips, we’ve got it all covered.
What Is Super Visa Insurance?
Before diving into the numbers, let’s quickly recap what Super Visa insurance is.
Super Visa insurance is mandatory private medical insurance that all Super Visa applicants must purchase. It ensures that visitors are covered for emergency healthcare during their stay in Canada, helping to avoid financial burden on families or the Canadian healthcare system.
To meet Canadian government requirements, the insurance policy must:
- Be from a Canadian insurance company
- Be valid for at least one year
- Provide a minimum of $100,000 in coverage
- Cover healthcare, hospitalization, and repatriation
Average Super Visa Insurance Cost in 2025
The cost of Super Visa insurance can vary significantly based on several factors. Here’s a look at average annual rates by age group as of 2025:
| Age Group | Estimated Annual Cost (No Pre-existing Conditions) |
| 45–59 years | $900 – $1,500 |
| 60–69 years | $1,500 – $2,200 |
| 70–75 years | $2,200 – $3,200 |
| 76+ years | $3,000 – $5,000+ |
If the applicant has pre-existing medical conditions, the premiums can increase by 15% to 50% depending on the condition, its stability, and the insurance provider.
Key Factors That Influence Super Visa Insurance Rates
Let’s break down what drives the Super Visa insurance cost so you can make informed decisions when comparing quotes.
1. Age of the Applicant
This is one of the biggest pricing factors. As age increases, so does the perceived health risk, which leads to higher premiums.
2. Duration of Coverage
While the minimum requirement is 1 year of coverage, some applicants choose longer policies for peace of mind. The longer the coverage, the higher the cost.
3. Coverage Amount
While $100,000 is the minimum, some visitors choose $150,000 or $300,000 policies for added protection. More coverage means higher premiums.
4. Deductible Amount
Choosing a higher deductible (what you pay out-of-pocket before insurance kicks in) can reduce your premium. For example:
- $0 deductible = higher premium
- $1,000 deductible = significantly lower premium
5. Pre-existing Conditions
If your parent or grandparent has a pre-existing condition (like diabetes, hypertension, or heart disease), it may affect both eligibility and cost. Some insurers require that the condition be stable for 90–180 days prior to coverage.
6. Plan Type: Refundable vs Non-refundable
Some plans offer partial refunds if the visa is denied or if the visitor returns home early. These policies might come at a slightly higher premium but offer valuable flexibility.
Cost-Saving Tips for Super Visa Insurance
✅ Compare Quotes from Multiple Providers
Every insurer calculates risk differently. Shopping around can save you hundreds of dollars.
✅ Consider Higher Deductibles
If you can afford to cover a portion of potential medical expenses out-of-pocket, increasing your deductible is one of the easiest ways to lower premiums.
✅ Buy Multi-Year Policies
Some providers offer multi-year discounts for 2- or 3-year coverage, especially if your parents plan to visit frequently.
✅ Bundle Coverage for Couples
If both parents are visiting together, look for family or couple rates. Some insurers offer combined coverage plans that are cheaper than individual ones.
✅ Work with a Licensed Insurance Broker
A broker can help you compare Super Visa insurance rates across top providers, identify savings, and clarify policy details you might miss.
Pre-Existing Condition Coverage: What You Should Know
If your parent or grandparent has a pre-existing condition, you need to be extra careful when selecting a policy. Here’s what to look for:
- Stability Period: Most insurers require the condition to be stable for 90, 120, or 180 days before the policy start date.
- Medical Questionnaire: Answer all health questions honestly. Failing to disclose a condition can void the policy.
- Specialized Plans: Some insurers offer “enhanced” plans that cover certain pre-existing conditions for an added cost.
Sample Super Visa Insurance Rate Comparison (2025)
Here’s a simplified example to show how rates may differ based on variables:
| Applicant Details | Policy A | Policy B | Policy C |
| 68 years old, 1-year stay | $1,850 (no deductible) | $1,400 ($1,000 deductible) | $2,400 (covers pre-existing condition) |
| 75 years old, 2-year stay | $4,200 | $3,700 (with $2,500 deductible) | $5,200 (enhanced plan with extra benefits) |
As you can see, costs can vary significantly based on plan features and health status.
Refunds & Cancellation Policies
What happens if the visa gets denied, or your parent leaves Canada early?
Most top-tier insurers offer:
- Full refund if visa is denied (with proof)
- Partial refund for unused months
- Admin fees may apply (usually $25–$100)
Always read the fine print and ask about refund terms before purchasing.
Where to Buy Super Visa Insurance
You can purchase Super Visa insurance directly from:
- Licensed insurance brokers
- Canadian insurance companies (online or by phone)
- Travel insurance comparison websites
Look for companies with strong reputations, responsive customer support, and transparent policy wording.
Final Thoughts
Understanding Super Visa insurance cost is a critical step in preparing for a long-term visit from your parents or grandparents. While the price can seem high, it’s an essential safeguard that protects your loved ones—and your wallet—during unexpected medical emergencies in Canada.
By comparing Super Visa insurance rates, knowing what affects premiums, and choosing a plan that fits your family’s needs, you can confidently check off this important item from your Super Visa checklist.