Canada’s Super Visa program allows parents and grandparents of Canadian citizens and permanent residents to visit and stay in Canada for extended periods. Unlike a regular visitor visa, which allows stays of up to six months, a Super Visa grants multiple entries for up to 10 years, with each stay lasting up to 5 years at a time.

A key requirement for obtaining a Super Visa is purchasing Parent Super Visa Insurance. This insurance ensures that visitors have adequate medical coverage while in Canada, protecting both them and the Canadian healthcare system from unexpected medical expenses.

In this guide, we’ll cover everything you need to know about Super Visa Insurance, including coverage, costs, eligibility, and tips for choosing the best policy.

What is Parent Super Visa Insurance?

Parent Super Visa Insurance is a mandatory medical insurance policy that applicants must obtain before applying for a Super Visa. It guarantees that parents and grandparents visiting Canada have financial protection in case of medical emergencies, hospitalization, or repatriation.

This insurance is a requirement set by Immigration, Refugees, and Citizenship Canada (IRCC) to ensure visitors do not burden Canada’s public healthcare system.

Super Visa Insurance Requirements

To qualify for a Super Visa, applicants must meet the following insurance requirements:

✅ Coverage Amount: A minimum of $100,000 CAD for emergency medical care, hospitalization, and repatriation.
✅ Policy Duration: Must be valid for at least one year from the date of entry into Canada.
✅ Canadian Insurance Provider: The insurance policy must be purchased from a Canadian insurance company.
✅ Proof of Purchase: IRCC requires proof of full payment—quotes or unpaid policies are not accepted.

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

What Does Parent Super Visa Insurance Cover?

A Super Visa Insurance policy typically includes the following:

✅ Emergency Medical Expenses

• Hospitalization and medical treatments

• Doctor visits and diagnostic tests

• Prescription medications for emergencies

✅ Emergency Services

• Ambulance transportation

• Emergency dental care (limited coverage)

• Coverage for accidental injuries

✅ Repatriation & Travel Assistance

• Return to the home country due to medical emergencies

• Repatriation of remains in case of death

⛔ What’s Not Covered?

While coverage varies by provider, most policies do not cover:

• Routine check-ups and preventive care

• Pre-existing medical conditions (unless specifically included)

• Cosmetic or elective surgeries

💡 Tip: If your parents or grandparents have pre-existing conditions, choose a policy that offers pre-existing condition coverage to avoid denied claims.

Cost of Parent Super Visa Insurance in Canada

The cost of Super Visa Insurance depends on several factors, including:

Average Cost of Super Visa Insurance

• A 65-year-old applicant can expect to pay between $800 and $2,500 per year.

• Some providers offer monthly payment plans, but IRCC requires proof of full payment for visa approval.

💡 Tip: Compare quotes from multiple insurance companies to find the best deal.

How to Choose the Best Super Visa Insurance Policy

1. Compare Multiple Providers

Not all policies offer the same coverage. Check different insurance providers to find the most comprehensive plan at the best price.

2. Look for Pre-Existing Condition Coverage

If your parent or grandparent has a pre-existing health condition, choose a policy that includes it to avoid claim denials.

3. Check Deductibles

A higher deductible lowers your premium but increases out-of-pocket costs during emergencies.

4. Read the Fine Print

Carefully review the policy’s terms, conditions, and exclusions before purchasing.

5. Choose a Trusted Insurance Provider

Pick an insurer with a good reputation and high claim approval rates.

Best Super Visa Insurance Providers in Canada

Here are some of the top Super Visa Insurance providers:

🏆 Manulife – Comprehensive coverage with flexible plans.
🏆 Sun Life – Offers customizable Super Visa Insurance.
🏆 Blue Cross – Great for covering pre-existing conditions.
🏆 Travelance – Budget-friendly with good coverage options.
🏆 Tugo – Reliable emergency medical coverage.

💡 Tip: Read customer reviews and compare claim processing times before choosing a provider.

How to Buy Super Visa Insurance

Step 1: Get Multiple Quotes

Use online comparison tools or visit insurance providers’ websites to compare coverage options and prices.

Step 2: Choose the Right Policy

Pick a plan that meets IRCC’s requirements and covers your parents’ medical needs.

Step 3: Fill Out the Application

Provide accurate details about the applicant’s age, health conditions, and trip duration.

Step 4: Make the Payment

IRCC requires full payment of the policy before visa approval—monthly payments may not be accepted.

Step 5: Receive Insurance Documents

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

Frequently Asked Questions (FAQs)

1. Is Super Visa Insurance mandatory?

Yes. Parent Super Visa Insurance is required for visa approval. Without proof of insurance, the application will be rejected.

2. Can I get a refund if the visa is denied?

Yes. Most insurance providers offer a full or partial refund if the visa is denied, as long as no claims have been made.

3. Can I pay for Super Visa Insurance monthly?

Some providers offer monthly payment options, but IRCC requires proof of full payment for visa approval.

4. Does Super Visa Insurance cover COVID-19?

Many providers now include COVID-19 coverage, but always check policy details before purchasing.

5. What happens if my parents stay longer than expected?

You must renew their insurance policy before it expires to maintain continuous coverage.

Final Thoughts

Getting the right Super Visa Insurance is a crucial step in ensuring a successful Super Visa application. By understanding the requirements, coverage, and costs, you can make an informed decision and choose the best insurance policy for your parents or grandparents.