If you’re planning to bring your parents or grandparents to Canada on a Super Visa, one of the key requirements is purchasing Super Visa Insurance. This insurance ensures they have adequate medical coverage while visiting Canada, reducing financial risks for both visitors and the Canadian healthcare system.
But how much does Super Visa Insurance cost? What factors affect Super Visa Insurance rates, and how can you find the best deal? In this guide, we’ll break down the average cost of Super Visa Insurance, factors influencing the price, and money-saving tips to help you choose the best coverage at the lowest rate.
What is Super Visa Insurance?
Super Visa Insurance is a mandatory health insurance policy required for Super Visa applicants, ensuring they can cover medical emergencies, hospitalization, and repatriation while staying in Canada.
Super Visa Insurance Requirements
To meet Immigration, Refugees and Citizenship Canada (IRCC) requirements, the policy must:
✅ Provide a minimum coverage of $100,000 CAD for emergency 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 (quotes or unpaid policies will not be accepted).
💡 Tip: While the minimum coverage is $100,000, many applicants opt for $250,000 or more for added security.
How Much Does Super Visa Insurance Cost in Canada?
The cost of Super Visa Insurance varies based on age, health status, coverage amount, and policy provider.
Average Super Visa Insurance Rates (Annual Premiums)
| Age Group | $100,000 Coverage | $250,000 Coverage |
| 40 – 50 years | $700 – $1,200 | $1,000 – $1,800 |
| 51 – 60 years | $900 – $1,500 | $1,300 – $2,000 |
| 61 – 70 years | $1,400 – $2,200 | $2,000 – $3,500 |
| 71 – 79 years | $2,500 – $4,000 | $3,500 – $5,500 |
| 80+ years | $4,000 – $6,500 | $5,500 – $9,000 |
💡 Tip: Insurance costs rise with age—seniors over 70 years pay significantly higher premiums.
Factors That Affect Super Visa Insurance Rates
Several factors influence Super Visa Insurance cost:
1. Age of the Applicant
- Older applicants (65+ years) typically pay higher premiums due to increased health risks.
2. Coverage Amount
- Higher coverage levels (e.g., $250,000 instead of $100,000) increase costs but provide better financial protection.
3. Pre-Existing Medical Conditions
- If coverage for pre-existing conditions is required, the policy will be more expensive.
- Some insurers require a stability period (e.g., no changes in medication or condition for 180 days) before covering pre-existing conditions.
4. Deductibles
- A higher deductible (e.g., $1,000) reduces premiums but increases out-of-pocket costs in case of a claim.
- A zero-deductible plan offers full coverage but at a higher premium.
5. Policy Duration
- Insurance must cover at least one year, but policies can be extended for longer stays.
6. Insurance Provider & Plan Type
- Different providers offer different pricing based on policy coverage and claim approval rates.
💡 Tip: If your parents are healthy, choosing a higher deductible can help lower the premium.
Best Super Visa Insurance Providers in Canada
If you’re looking for affordable Super Visa Insurance rates, consider these top providers:
🏆 Manulife – Flexible plans with pre-existing condition coverage.
🏆 Blue Cross – Great customer service and fast claims processing.
🏆 Tugo – Competitive pricing and comprehensive coverage.
🏆 Travelance – Budget-friendly policies with emergency medical coverage.
🏆 Sun Life – Customizable insurance plans with high coverage options.
💡 Tip: Always compare multiple insurance providers before making a decision.
Money-Saving Tips for Super Visa Insurance
1. Compare Multiple Quotes
- Don’t settle for the first insurance policy you find. Get at least three quotes from different providers.
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 Family Discounts
- Some insurance providers offer discounts if multiple family members apply together.
5. Buy Insurance Early
- Insurance rates increase with age, so purchasing early can 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 rates.
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 offer monthly payment options, but IRCC requires proof of full payment 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 an affordable Super Visa Insurance cost 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.
