Canada’s Super Visa allows parents and grandparents of Canadian citizens or permanent residents to visit and stay in Canada for extended periods—up to 5 years per visit without needing to renew their status. However, one key requirement for obtaining a Super Visa is purchasing Super Visa insurance.

This guide will explain everything you need to know about Super Visa insurance, including its requirements, benefits, cost, and the application process. If you’re planning to bring your parents or grandparents to Canada, this article will help you choose the best insurance plan for their stay.

What is Super Visa Insurance?

Super Visa insurance is a mandatory medical insurance policy required for Super Visa applicants. It ensures that visitors have access to emergency medical care while in Canada, covering expenses like hospitalization, doctor visits, diagnostic tests, and repatriation.

This insurance policy must be purchased before applying for the Super Visa, and coverage must be valid for at least one year from the date of entry into Canada.

Super Visa Insurance Requirements

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

✔️ Minimum Coverage: The policy must provide at least $100,000 CAD in coverage for healthcare, hospitalization, and repatriation.
✔️ Policy Duration: The insurance must be valid for at least one year from the entry date into Canada.
✔️ Canadian Insurance Provider: The insurance policy must be issued by a Canadian insurance company.
✔️ Full Upfront Payment: The policy must be paid in full before applying for the Super Visa.
✔️ Proof of Insurance: The applicant must submit proof of coverage with their Super Visa application.

💡 Tip: Some insurance providers offer monthly payment plans to make it easier to afford the policy. However, the full annual premium is usually required upfront before applying for the Super Visa.

Super Visa Insurance Cost

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

🔹 Age of the applicant (Older individuals may have higher premiums).
🔹 Coverage amount ($100,000, $150,000, or $200,000 options).
🔹 Medical history & pre-existing conditions (Some conditions may increase the cost).
🔹 Deductibles (Choosing a higher deductible lowers the premium but increases out-of-pocket costs).
🔹 Insurance provider (Different companies offer varying prices and benefits).

Estimated Super Visa Insurance Costs

💡 Did you know? Some insurance providers offer discounts for couples purchasing policies together.

What Does Super Visa Insurance Cover?

A Super Visa insurance policy typically includes:

✔️ Emergency medical care (doctor visits, hospitalization, surgery, etc.).
✔️ Prescription medications required for emergencies.
✔️ Diagnostic tests (X-rays, MRIs, blood tests, etc.).
✔️ Emergency dental care (for accidental injuries).
✔️ Ambulance services for medical emergencies.
✔️ Repatriation (cost of returning home in case of serious illness or death).

What’s Not Covered?

❌ Pre-existing conditions not disclosed in the policy.
❌ Elective procedures or non-emergency treatments.
❌ Routine medical check-ups.
❌ Injuries from high-risk activities (e.g., extreme sports).

How to Apply for Super Visa Insurance

Follow these simple steps to purchase Super Visa insurance for your parents or grandparents:

Step 1: Compare Insurance Plans

Research and compare different Super Visa insurance providers based on coverage, cost, and customer reviews.

Step 2: Choose the Right Policy

Select a policy that meets Super Visa requirements and provides the best benefits for the price.

Step 3: Purchase the Policy

Once you've chosen a plan, buy the policy and receive a confirmation document.

Step 4: Submit Proof with Your Super Visa Application

Include the insurance policy document when submitting the Super Visa application.

Step 5: Renew When Needed

If your parents or grandparents plan to extend their stay, renew their Super Visa insurance before it expires.

Top Super Visa Insurance Providers in Canada

Here are some of the best Super Visa insurance providers in Canada:

1️⃣ Manulife – Offers comprehensive coverage with flexible deductible options.
2️⃣ Sun Life – Competitive pricing with extensive healthcare benefits.
3️⃣ Blue Cross – Well-known for covering pre-existing conditions.
4️⃣ GMS (Group Medical Services) – Provides affordable plans for all age groups.
5️⃣ Tugo – Strong reputation for emergency medical coverage.
6️⃣ Allianz Global Assistance – Reliable provider with quick claims processing.

📌 Tip: Always request quotes from multiple providers to compare and find the best deal.

Frequently Asked Questions (FAQs)

1. Can I Get a Refund if the Super Visa is Denied?

Yes, most insurance providers offer a full refund if your Super Visa application is denied, as long as you haven’t used the policy.

2. Can I Pay for Super Visa Insurance Monthly?

Some companies offer monthly payment plans, but most require full payment upfront before visa approval.

3. Can I Buy Super Visa Insurance After My Parents Arrive in Canada?

No, the insurance must be purchased before their arrival in Canada and must be valid for at least one year.

4. Is Super Visa Insurance the Same as Travel Insurance?

No, Super Visa insurance is designed for long-term stays and includes higher coverage amounts, unlike standard travel insurance.

5. How Can I Lower My Super Visa Insurance Cost?

• Choose a higher deductible to reduce the premium.

• Compare quotes from multiple providers.

• Buy insurance for multiple years at once (some providers offer discounts).

• Opt for a policy with pre-existing condition coverage if applicable.

Final Thoughts

Purchasing the right Super Visa insurance cost is essential for ensuring a smooth Super Visa application process and protecting your parents or grandparents during their stay in Canada.