Planning a long-term visit to Canada under the Super Visa program is an exciting opportunity for parents and grandparents of Canadian citizens and permanent residents. But before booking your ticket, there’s a key requirement to consider: purchasing the right super visa insurance. For many, understanding the super visa insurance cost and comparing super visa insurance rates can feel overwhelming.
This guide breaks down the costs, what influences them, and how to find affordable, reliable coverage that meets all Canadian government requirements — without breaking the bank.
What Is Super Visa Insurance?
Super Visa insurance is a mandatory medical insurance policy required for parents or grandparents applying for a Super Visa to visit Canada. Unlike standard visitor visas, the Super Visa allows for extended stays — up to five years at a time, with multiple entries over ten years.
The Government of Canada mandates that Super Visa applicants carry private health insurance from a Canadian provider. The policy must:
- Be valid for at least 12 months from the date of entry
- Provide at least $100,000 in emergency medical coverage
- Include coverage for hospitalization, healthcare, and repatriation
How Much Does Super Visa Insurance Cost?
The super visa insurance cost varies significantly depending on several factors. On average, you can expect to pay between:
- CAD $1,800 to $3,500 per year for a healthy applicant aged 55–70
- CAD $3,500 to $6,000+ per year for applicants over 70 or with pre-existing conditions
These rates may fluctuate depending on individual circumstances and the specific coverage options selected.
Factors That Affect Super Visa Insurance Rates
1. Age of the Applicant
Age is one of the biggest cost drivers. Older visitors tend to face higher super visa insurance rates due to increased health risks.
- Age 50–60: Lower premiums
- Age 60–75: Moderate to high premiums
- Age 75+: Highest premiums, especially if pre-existing conditions exist
2. Coverage Amount
While $100,000 is the minimum requirement, many visitors opt for $150,000 or $300,000 to increase their financial protection. Naturally, higher coverage results in higher premiums.
3. Deductible Level
A deductible is the amount the insured person pays out-of-pocket before the insurance company starts covering costs.
- A $0 deductible means no out-of-pocket costs but higher premiums
- A $1,000 deductible can reduce the premium by 30–40%
- Be cautious — choosing too high a deductible may limit affordability in an emergency
4. Duration of the Policy
Insurance plans are typically offered for 1-year terms, but some insurers now offer multi-year Super Visa plans at discounted rates.
5. Pre-existing Medical Conditions
Applicants with stable pre-existing conditions (like diabetes or high blood pressure) may be eligible for coverage — at a higher rate. The definition of “stable” varies by provider and often requires no change in medication or symptoms for 90–180 days.
How to Get the Best Super Visa Insurance Rates
Getting affordable super visa insurance cost options is possible with a smart strategy:
1. Compare Multiple Quotes
Use comparison websites or licensed insurance brokers to compare rates from top Canadian providers like:
- Manulife
- GMS
- Travelance
- TuGo
- Blue Cross
2. Adjust the Deductible
If you’re comfortable covering some emergency costs yourself, increasing the deductible can significantly lower premiums.
3. Buy Coverage in Advance
Some companies offer early bird discounts if you purchase the insurance well ahead of the travel date.
4. Opt for Longer-Term Plans
Some providers offer 2- or 3-year Super Visa insurance plans at discounted annual rates. This can be more cost-effective in the long run.
5. Bundle with Other Insurance
If you’re already working with an insurer for home, life, or auto insurance, ask about bundling discounts for Super Visa policies.
Where to Buy Super Visa Insurance
Always buy insurance from a Canadian provider approved by IRCC. You can purchase through:
- Official insurer websites
- Insurance comparison platforms
- Licensed insurance brokers specializing in visitors coverage
Make sure the policy includes:
- Valid documentation (PDF policy for IRCC)
- Emergency contact info
- Refund policy (in case of visa denial or early departure)
Refund Policy – What Happens If Plans Change?
Many insurers offer partial or full refunds if:
- The Super Visa application is denied
- The visitor leaves Canada early
- The visitor decides not to travel at all
Always review the cancellation terms carefully and choose a provider with a transparent refund process.
Frequently Asked Questions
Q1: Is $100,000 coverage enough?
While $100,000 is the minimum requirement, many opt for $150,000 or more, especially for older parents or those with medical conditions.
Q2: Can I pay monthly?
Most Super Visa insurance policies require full payment upfront. However, a few insurers offer monthly payment options, often with an added service fee.
Q3: Do I need new insurance every year?
The Super Visa requires valid insurance for each entry. You can renew or extend the policy annually or choose a multi-year plan for convenience.
Q4: What if my parents have a pre-existing condition?
Many insurers provide coverage for stable pre-existing conditions. You’ll need to meet their stability criteria (e.g., no changes in treatment for 90–180 days).
Conclusion
Understanding the super visa insurance cost and comparing super visa insurance rates is essential for making a smart, budget-friendly decision. With the right coverage, you can ensure your parents or grandparents are protected throughout their stay in Canada — without worrying about surprise medical expenses.
Take time to compare providers, consider your deductible, and choose a plan that balances affordability and comprehensive coverage. That way, you can focus on what really matters: spending quality time with your loved ones.