If you’re planning to invite your parents or grandparents to visit you in Canada for an extended stay, you’ve likely come across the term Super Visa Insurance. It’s a crucial part of the Super Visa application process and ensures visitors have adequate medical coverage during their time in Canada.
In this guide, we’ll break down everything you need to know about super visa insurance—from what it covers to how much it costs, and how to choose the right plan for your family’s needs.
What Is Super Visa Insurance?
Super visa insurance is a type of private medical insurance required by the Canadian government for anyone applying for a Super Visa. The Super Visa itself allows parents and grandparents of Canadian citizens or permanent residents to stay in Canada for up to two years at a time, without the need to renew their status.
To be eligible, applicants must provide proof of private medical insurance from a Canadian insurance company that meets specific requirements.
What Does Super Visa Insurance Cover?
While coverage details may vary slightly from one insurer to another, most parent super visa insurance policies include the following:
- Emergency medical care
- Hospitalization and surgery
- Prescription medications during emergencies
- Diagnostic tests (X-rays, lab work, etc.)
- Ambulance services
- Follow-up visits or referrals from a physician
- Repatriation of remains in the event of death
Most plans also offer optional add-ons like trip interruption, dental emergencies, or accidental death and dismemberment (AD&D).
Super Visa Insurance Requirements
To meet Immigration, Refugees and Citizenship Canada (IRCC) requirements, super visa insurance must:
- Be from a Canadian insurance company
- Be valid for at least one year from the date of entry
- Provide a minimum of $100,000 in emergency medical coverage
- Cover health care, hospitalization, and repatriation
It’s important to include the insurance policy confirmation with the Super Visa application. Without it, the application will be incomplete and likely denied.
How Much Does Super Visa Insurance Cost?
The cost of super visa insurance varies based on several key factors:
1. Age of the Applicant
The older the visitor, the higher the premium. Seniors over 70 generally pay more due to increased health risks.
2. Length of Coverage
Although one year of coverage is required, some people purchase longer policies, which increases the cost.
3. Pre-existing Medical Conditions
If the insured person has pre-existing conditions (like diabetes or high blood pressure), it can increase the price—or may even require special plans with specific clauses.
4. Coverage Amount
While $100,000 is the minimum requirement, some people opt for $150,000 or even $300,000 for extra peace of mind, especially if the visitor has known health issues.
5. Deductibles
Higher deductibles usually mean lower premiums. For example, a $1,000 deductible will cost less than a $0 deductible policy.
Note: These are just ballpark figures. It’s always best to get personalized quotes based on the applicant’s age, health, and length of stay.
How to Choose the Best Super Visa Insurance Plan
Choosing the right parent super visa insurance plan can feel overwhelming, but these tips will help simplify the process:
1. Compare Multiple Quotes
Don’t settle for the first quote. Use insurance comparison platforms or speak with licensed brokers to find the most cost-effective and comprehensive policy.
2. Understand the Fine Print
Pay close attention to:
- What’s included vs. what’s excluded
- Coverage limits
- Emergency-only clauses
- Pre-existing condition policies
3. Opt for Refundable Policies
Some insurers offer partial refunds if the visitor returns home early or if the visa is denied. It’s smart to pick a policy that has a flexible cancellation policy.
4. Check for Direct Billing
Direct billing to hospitals or clinics in Canada saves time and stress in emergencies.
5. Ask About Multi-Year Plans
If your parents or grandparents plan to stay longer, consider a multi-year policy. Some insurers offer discounted rates for 2- or 3-year coverage.
Common Mistakes to Avoid
- Waiting too long to buy insurance: It’s required before your Super Visa is approved.
- Not disclosing pre-existing conditions: This could void the policy later.
- Choosing the cheapest policy without comparing coverage: Lower cost sometimes means minimal coverage or higher deductibles.
Why Super Visa Insurance Is Non-Negotiable
Aside from being a legal requirement, super visa insurance gives peace of mind to both the visitor and the sponsoring family in Canada. Medical expenses in Canada can be extremely high for non-residents. A single emergency room visit or surgery can cost thousands of dollars out of pocket.
By choosing the right parent super visa insurance, you’re ensuring your loved ones are protected during their visit—and you’re safeguarding yourself from unexpected financial burdens.
Final Thoughts
Whether you’re bringing your parents for a short visit or an extended stay, Super Visa Insurance is a must-have that goes beyond immigration requirements—it’s about health, safety, and financial protection.
When selecting a plan, compare options, understand what’s covered, and don’t hesitate to ask questions. A well-chosen policy makes the entire process smoother and more secure for everyone involved.