Bringing parents and grandparents to Canada on a Super Visa is a great way to spend quality time with loved ones. However, one of the main requirements of the Parent Super Visa is purchasing Super Visa insurance, which ensures visitors have adequate medical coverage during their stay.
In this guide, we’ll cover Super Visa insurance costs, explain coverage options, and help you find the best Super Visa insurance plans for your family.
What is Super Visa Insurance?
Super Visa insurance is a mandatory health insurance policy for parents and grandparents of Canadian citizens or permanent residents applying for a Super Visa. This policy ensures that visitors have adequate healthcare coverage while in Canada, reducing financial risks associated with medical emergencies.
Super Visa Insurance Requirements
To qualify for a Super Visa, applicants must purchase a medical insurance policy that:
✅ Provides at least $100,000 in coverage
✅ Is valid for at least one year from the date of entry
✅ Covers healthcare, hospitalization, and repatriation
✅ Is issued by a Canadian insurance company
Since healthcare costs in Canada can be very expensive for non-residents, Super Visa insurance ensures that visitors are protected from unexpected medical expenses.
How Much Does Super Visa Insurance Cost?
The cost of Super Visa insurance depends on several factors, including age, coverage amount, pre-existing conditions, and the insurance provider.
Super Visa Insurance Cost Breakdown
Age Group | $100,000 Coverage | $150,000 Coverage | $200,000 Coverage |
45-55 Years | $800 – $1,200 | $1,100 – $1,500 | $1,300 – $1,800 |
56-65 Years | $1,200 – $1,800 | $1,500 – $2,200 | $1,800 – $2,500 |
66-70 Years | $1,800 – $2,500 | $2,200 – $3,000 | $2,500 – $3,500 |
71-79 Years | $2,500 – $4,000 | $3,000 – $5,000 | $3,500 – $6,000 |
Note: These are estimated costs. Actual rates vary by provider, policy terms, and medical history.
Factors Affecting Super Visa Insurance Cost
Several factors influence the cost of Super Visa insurance:
- Age of the Applicant – Older applicants typically pay higher premiums due to increased health risks.
- Coverage Amount – Policies with higher coverage limits (e.g., $150,000 or $200,000) cost more.
- Pre-Existing Medical Conditions – If an applicant has pre-existing conditions, some insurers charge extra or offer limited coverage.
- Deductibles – Choosing a higher deductible (e.g., $500 or $1,000) lowers the premium cost.
- Policy Duration – A policy valid for one year is required, but some insurers allow monthly payment plans instead of full upfront payment.
What Does Super Visa Insurance Cover?
A Super Visa insurance policy typically includes coverage for:
✅ Emergency Medical Expenses – Covers doctor visits, hospital stays, and medical treatments.
✅ Hospitalization – Covers hospital room fees, ICU charges, and medical procedures.
✅ Prescription Drugs – Pays for medications prescribed during a medical emergency.
✅ Diagnostic Tests & Lab Services – Includes X-rays, blood tests, and other necessary exams.
✅ Ambulance Services – Covers transportation in case of a medical emergency.
✅ Repatriation – Covers expenses for returning to the home country in case of a severe medical condition or death.
What’s Not Covered? (Exclusions)
? Routine Checkups & Pre-existing Conditions (Unless Covered by the Policy)
? Dental and Vision Care (Unless Specifically Included)
? Elective & Cosmetic Surgeries
? Injuries from High-Risk Activities (Extreme Sports, Racing, etc.)
Always read the policy terms to understand what is and isn’t covered.
Best Super Visa Insurance Plans in Canada
Here are some of the top-rated insurance providers offering Super Visa insurance:
1. Manulife
✅ Offers coverage up to $300,000
✅ Covers pre-existing conditions (with a stability period)
✅ Flexible deductible options to reduce premiums
2. Allianz Global Assistance
✅ Comprehensive medical coverage for up to $200,000
✅ 24/7 emergency medical assistance
✅ Competitive pricing for healthy seniors
3. GMS (Group Medical Services)
✅ Covers pre-existing conditions with a stability period
✅ Affordable premiums and family discounts
✅ Flexible payment options
4. TuGo
✅ High claim approval rate
✅ Coverage for hospitalization, doctor visits, and medical tests
✅ Optional add-ons for trip cancellation and travel coverage
5. Destination Canada
✅ Budget-friendly Super Visa insurance rates
✅ Emergency medical coverage with no waiting period
✅ Monthly payment plans available
When selecting a plan, compare coverage details, claim process, and customer reviews to ensure the best fit.
Super Visa Insurance: Lump Sum vs. Monthly Payments
Most Super Visa insurance policies require full upfront payment for one year, but some insurers offer monthly payment plans.
Pros & Cons of Monthly Payments
✅ Pros:
✔ More affordable with smaller monthly installments
✔ Easier to budget compared to a lump sum payment
❌ Cons:
✖ Some insurers charge extra fees for monthly payments
✖ May require a deposit (first 2-3 months upfront)
If a lump sum payment is too expensive, look for insurers offering Super Visa insurance monthly plans.
How to Find the Best Super Visa Insurance Policy?
1. Compare Multiple Quotes
Use online tools or contact providers directly to compare Super Visa insurance rates.
2. Choose the Right Coverage Amount
While $100,000 is the minimum, consider $150,000 – $200,000 for better protection.
3. Check for Pre-Existing Condition Coverage
If your parent or grandparent has pre-existing conditions, select a plan that covers them.
4. Opt for a Higher Deductible to Save Money
Choosing a $500 – $1,000 deductible lowers your insurance premium.
5. Read Customer Reviews
Look at customer feedback on claims approval, service quality, and pricing transparency.
Final Thoughts
Purchasing Super Visa insurance is an essential step in ensuring that parents and grandparents visiting Canada have access to emergency medical care without financial strain. By comparing parent Super Visa insurance rates, choosing the right coverage, and selecting a reputable provider, you can find the best plan that fits your budget and needs.
