If you’re planning to bring your parents or grandparents to Canada for an extended stay, applying for a Super Visa is likely on your to-do list. But before you can even think about submitting the application, there’s one critical requirement you need to fulfill: parent Super Visa insurance.
This guide breaks down everything you need to know about this essential coverage—what it includes, how much it costs, and how to choose the right policy for your loved ones.
What Is Parent Super Visa Insurance?
Parent Super Visa insurance is a mandatory private medical insurance policy required by the Canadian government as part of the Super Visa application process. The Super Visa allows eligible parents and grandparents of Canadian citizens or permanent residents to stay in Canada for up to two years per visit, with multiple entries for up to 10 years.
But to protect Canada’s public healthcare system—and ensure the well-being of visitors—super visa insurance is required to cover emergency medical expenses during their stay.
Why Is Super Visa Insurance Mandatory?
Canada’s healthcare system does not cover visitors or temporary residents. Without insurance, even minor medical issues can result in thousands of dollars in out-of-pocket expenses.
By requiring parent super visa insurance, the Canadian government ensures that visitors:
- Can receive proper medical care in emergencies
- Don’t place financial stress on their host families
- Avoid becoming a burden on the public healthcare system
Super Visa Insurance Requirements
To be valid for a Super Visa application, the insurance policy must:
- Be from a Canadian insurance company
- Be valid for at least one year from the date of entry into Canada
- Provide a minimum of $100,000 in coverage
- Include coverage for healthcare, hospitalization, and repatriation
The policy confirmation letter must be submitted as part of the visa application process. Failure to provide this documentation will lead to automatic rejection of the application.
What Does Parent Super Visa Insurance Cover?
While each insurance provider may vary slightly, most super visa insurance plans include coverage for:
- Emergency medical treatment
- Hospital stays and surgeries
- Physician services
- Prescription medications (during emergency treatment)
- Laboratory tests and X-rays
- Ambulance services (ground and air)
- Repatriation (return of remains in case of death)
- Emergency dental treatment (optional in some plans)
Some insurers also offer optional add-ons such as:
- Trip interruption or cancellation
- Accidental death & dismemberment (AD&D)
- Coverage for pre-existing conditions (with stability clauses)
How Much Does Parent Super Visa Insurance Cost?
The cost of parent super visa insurance can range widely depending on several key factors:
✅ Cost Factors Include:
- Age of the insured person – Older individuals typically pay higher premiums.
- Length of stay – Longer coverage periods increase the total cost.
- Coverage amount – Higher coverage limits ($150,000 or $300,000) come at a higher price.
- Deductible amount – A higher deductible lowers the premium, but increases out-of-pocket costs in emergencies.
- Pre-existing medical conditions – Some insurers charge extra to cover stable pre-existing conditions.
Prices are estimates as of 2025 and may vary by provider. It’s best to compare quotes based on individual health and travel plans.
How to Choose the Right Parent Super Visa Insurance Plan
Selecting the right super visa insurance isn’t just about cost—it’s about finding reliable coverage that meets IRCC requirements and gives you peace of mind. Here’s what to look for:
1. IRCC-Compliant Coverage
Ensure the policy:
- Is from a Canadian company
- Covers at least
- Is valid for one full year
2. Pre-existing Condition Clauses
If your parent has a health condition, look for policies that:
- Include stable pre-existing condition coverage
- Define the stability period clearly (often 90–180 days)
3. Deductible Options
Consider your budget and risk tolerance:
- $0 deductible = higher premium, lower out-of-pocket
- $1,000+ deductible = lower premium, higher out-of-pocket in emergencies
4. Refund & Cancellation Policies
Look for plans that offer partial refunds if:
- The visa is denied
- Your parent returns home early
- They leave Canada before the year is over
5. Ease of Claim Process
A fast and hassle-free claims process makes a big difference during a medical emergency. Choose a provider known for good customer support and direct billing where possible.
Top Tips Before You Apply for Super Visa Insurance
✅ Start early – Don’t wait until the last minute. Most policies can be purchased ahead of time and modified if dates change.
✅ Use a licensed insurance broker – Brokers can compare multiple plans from trusted providers and help tailor a plan to your needs.
✅ Always review the policy wording – Know what’s covered, what’s not, and how the claim process works.
✅ Ask about automatic renewals – If your parents plan to stay for longer or return frequently, renewal options are important.
Common Mistakes to Avoid
🚫 Buying insurance from a non-Canadian provider
🚫 Choosing the cheapest plan without reviewing coverage details
🚫 Not disclosing pre-existing medical conditions
🚫 Failing to submit proof of insurance with the visa application
Remember, the goal isn’t just to check a box for immigration—it’s to protect your loved ones while they’re visiting Canada.
Final Thoughts
Getting parent Super Visa insurance is an essential part of ensuring a safe and smooth visit for your loved ones. It not only fulfills the Canadian government’s requirements but also protects your parents or grandparents from expensive medical bills while abroad.
Before applying for a Super Visa, take the time to explore insurance options, compare quotes, and ask questions. A little preparation goes a long way in securing the right policy—and peace of mind—for you and your family.