Canada’s Super Visa program is a fantastic option for parents and grandparents of Canadian citizens and permanent residents who wish to visit their family for extended periods. Unlike a regular visitor visa, which allows a stay of up to six months, a Super Visa permits visits of up to five years per entry, with multiple entries over a 10-year period.
However, one of the most important requirements for obtaining a Super Visa is purchasing Parent Super Visa Insurance. This insurance ensures that visitors have sufficient medical coverage while in Canada, protecting both the visitors and Canada’s healthcare system.
In this guide, we’ll cover everything you need to know about Super Visa Insurance, including its requirements, costs, coverage options, and tips on choosing the best policy.
What is Parent Super Visa Insurance?
Parent Super Visa Insurance is a mandatory medical insurance policy required for parents and grandparents applying for a Super Visa. This insurance provides financial protection against unexpected medical emergencies, hospitalization, and repatriation while visiting Canada.
Since visitors on a Super Visa are not covered under Canada’s public healthcare system, Immigration, Refugees and Citizenship Canada (IRCC) requires applicants to have private health insurance.
Super Visa Insurance Requirements
To qualify for a Super Visa, the insurance policy must meet the following criteria:
✅ Minimum Coverage Amount: At least $100,000 CAD for emergency medical care, hospitalization, and repatriation.
✅ Policy Validity: Coverage must be valid for at least one year from the date of entry.
✅ Canadian Insurance Provider: The policy must be purchased from a Canadian insurance company.
✅ Proof of Full Payment: IRCC requires proof of full payment—quotes or unpaid policies will not be accepted.
💡 Tip: While $100,000 is the minimum coverage required, many applicants opt for $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
- Hospital stays and medical treatments
- Doctor consultations 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 policies vary by provider, most 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 claim denials.
Cost of Parent Super Visa Insurance in Canada
The cost of Super Visa Insurance varies based on factors such as the applicant’s age, health, coverage amount, and duration of stay.
Average Cost of Super Visa Insurance
| Age Group | $100,000 Coverage (Annual Premium) | $250,000 Coverage (Annual Premium) |
| 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: Some insurance providers offer monthly payment plans, but IRCC requires proof of full payment before visa approval.
Factors That Affect Super Visa Insurance Costs
Several factors influence the cost of Parent 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
- Higher coverage limits (e.g., $250,000 vs. $100,000) lead to higher premiums but provide better financial security.
3. Pre-Existing Medical Conditions
- Policies that include pre-existing conditions are more expensive.
- Some insurers require a stability period (e.g., no changes in health for 180 days) before covering pre-existing conditions.
4. Deductibles
- A higher deductible lowers the premium, but increases out-of-pocket costs in case of a claim.
- Choosing a zero-deductible plan results in higher premiums but full coverage.
💡 Tip: If your parents are in good health, selecting a higher deductible can help reduce premium costs.
Best Super Visa Insurance Providers in Canada
Here are some of the top Super Visa Insurance providers in Canada:
🏆 Manulife – Offers flexible coverage options, including pre-existing conditions.
🏆 Blue Cross – Known for excellent customer service and fast claims processing.
🏆 Tugo – Provides competitive pricing with comprehensive benefits.
🏆 Travelance – Budget-friendly plans with good emergency medical coverage.
🏆 Sun Life – Customizable policies with multiple coverage options.
💡 Tip: Always compare multiple quotes to find the best deal for your parents.
How to Buy Parent Super Visa Insurance
Step 1: Get Multiple Quotes
Use online insurance comparison tools or visit provider websites to compare coverage options and rates.
Step 2: Choose the Right Policy
Select a policy that meets IRCC’s requirements and covers your parents’ specific 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 upfront for visa approval—monthly payments may not be accepted.
Step 5: Receive Insurance Documents
After purchasing the policy, you’ll receive an insurance certificate, which must be submitted with the Super Visa application.
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 before approving the visa.
2. What happens if my parents extend their stay?
If they stay longer than expected, you must renew the insurance policy before it expires to maintain coverage.
3. Is Super Visa Insurance refundable?
Yes. If the Super Visa application is denied, most insurance providers offer full or partial refunds (if no claims have been made).
4. Does Super Visa Insurance cover COVID-19?
Many providers now include COVID-19 coverage, but always check policy details before purchasing.
Final Thoughts
Purchasing the right Super Visa Insurance is essential for a successful Super Visa application. By understanding the requirements, coverage options, and costs, you can choose the best insurance policy for your parents or grandparents.
