If you’re planning to bring your parents or grandparents to Canada under the Super Visa program, one of the most important requirements is Super Visa Insurance. This insurance ensures that visitors have adequate medical coverage in case of emergencies during their stay.

But how much does Super Visa Insurance cost? What factors affect Super Visa Insurance rates, and how can you find the best deals? In this guide, we’ll break down everything you need to know, including average costs, coverage options, and tips to save money.

What is Super Visa Insurance?

Super Visa Insurance is a mandatory medical insurance policy required for Super Visa applicants—parents and grandparents of Canadian citizens and permanent residents. This insurance guarantees that visitors can afford medical care during their stay in Canada and helps prevent them from relying on the country's publicly funded healthcare system.

Super Visa Insurance Requirements

To meet the Immigration, Refugees, and Citizenship Canada (IRCC) requirements, the policy must:

✅ Provide a minimum coverage of $100,000 CAD for healthcare, hospitalization, and repatriation.
✅ Be valid for at least one year from the date of entry into Canada.
✅ Be purchased from a Canadian insurance provider.
✅ Be fully paid upfront (IRCC does not accept unpaid quotes).

💡 Tip: While the minimum coverage required is $100,000, many applicants choose $250,000 or more for better protection.

Super Visa Insurance Cost: How Much Do You Need to Pay?

The cost of Super Visa Insurance varies based on several factors, including the age, health condition, coverage amount, and duration of stay.

Average Super Visa Insurance Rates

💡 Tip: If your parents or grandparents are over 70 years old, expect higher premiums. Comparing multiple providers can help you find better deals.

Factors Affecting Super Visa Insurance Rates

Several factors influence the cost of Super Visa Insurance:

1. Age of the Applicant

• Older applicants (65+ years) typically have higher insurance costs due to increased health risks.

2. Coverage Amount

• $100,000 coverage is the minimum, but many choose $250,000 or more for better protection.

• Higher coverage means higher premiums but better financial security.

3. Pre-Existing Medical Conditions

• Policies covering pre-existing conditions are more expensive.

• Some insurers require stability periods (e.g., no change in condition for 180 days) to offer coverage.

4. Policy Deductibles

• A higher deductible (e.g., $1,000) reduces premiums but increases out-of-pocket expenses in case of a claim.

• Choosing a zero-deductible plan results in higher premiums but full coverage.

5. Length of Stay in Canada

• Insurance must be valid for at least one year, but longer stays may require policy extensions.

6. Insurance Provider & Plan Type

• Different providers offer different pricing based on claim approval rates and coverage options.

💡 Tip: Choose a deductible carefully—a higher deductible saves money but can be costly in an emergency.

Best Super Visa Insurance Providers in Canada

If you’re looking for affordable Super Visa Insurance rates, consider these top providers:

🏆 Manulife – Flexible coverage with good options for pre-existing conditions.
🏆 Blue Cross – Great reputation with fast claim approvals.
🏆 Tugo – Competitive pricing with reliable customer support.
🏆 Travelance – Offers budget-friendly policies.
🏆 Sun Life – Provides customizable plans with various coverage options.

💡 Tip: Use online insurance comparison tools to find the best deals.

How to Save Money on Super Visa Insurance

1. Compare Multiple Quotes

• Don’t settle for the first insurance quote. Compare at least three providers to get the best rate.

2. Choose a Higher Deductible

• A $1,000 deductible can lower premiums by 15–30% compared to a zero-deductible plan.

3. Opt for Annual Payments

• Paying annually instead of monthly often results in discounts.

4. Look for Discounts

• Some providers offer family discounts if multiple family members apply together.

5. Buy Insurance Early

• Insurance rates increase with age, so purchasing earlier helps lock in lower rates.

💡 Tip: Ask about policy refunds if the Super Visa is denied—many insurers offer partial or full refunds.

How to Buy Super Visa Insurance

Step 1: Get Multiple Quotes

Use online insurance platforms or visit insurer websites to compare Super Visa Insurance costs.

Step 2: Choose the Best Coverage

Pick a policy that meets IRCC’s requirements and your parent’s health needs.

Step 3: Complete the Application

Provide accurate details, including age, health status, and length of stay.

Step 4: Make the Payment

IRCC requires proof of full payment for visa approval. Ensure the premium is paid upfront.

Step 5: Receive Insurance Documents

After purchase, you’ll receive an insurance certificate, which must be submitted with the Super Visa application.

💡 Tip: Make sure the insurance is activated before travel to avoid coverage gaps.

Frequently Asked Questions (FAQs)

1. Can I pay for Super Visa Insurance monthly?

Some providers allow monthly payments, but IRCC requires a fully paid annual policy for visa approval.

2. What happens if my parents extend their stay?

You’ll need to renew the insurance policy before it expires to maintain coverage.

3. Can I buy Super Visa Insurance from a foreign provider?

No. The policy must be from a Canadian insurance company.

4. Does Super Visa Insurance cover COVID-19?

Many policies now include COVID-19 coverage, but check policy details for specific terms.

5. Is Super Visa Insurance refundable?

Yes! If the Super Visa application is denied, most insurers offer full or partial refunds (if no claims have been made).

Final Thoughts

Finding affordable Super Visa Insurance rates is essential for securing a Super Visa for your parents or grandparents. By comparing rates, choosing the right coverage, and considering deductibles, you can save money while ensuring medical protection for your loved ones.