If you’re planning to bring your parents or grandparents to Canada on a Super Visa, one of the most important requirements is Super Visa insurance. This insurance ensures that visitors have adequate medical coverage during their stay and protects against unexpected healthcare costs.
But how much does Super Visa insurance cost? The price varies based on factors such as age, coverage amount, and pre-existing conditions. In this guide, we’ll break down Super Visa insurance rates, explain what affects pricing, and share money-saving tips to help you find the best deal.
Super Visa Insurance Cost: How Much Do You Need to Pay?
The cost of Super Visa insurance depends on several factors, including coverage amount, age, health conditions, and the insurance provider. Below is an estimate of Super Visa insurance rates based on different coverage amounts.
Estimated Super Visa Insurance Cost by Age & Coverage Amount
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 |
Additional Cost Factors
- Pre-Existing Conditions: If the applicant has medical conditions, the insurance premium may be higher or require a stability period (e.g., no symptoms for 6–12 months).
- Deductibles: Choosing a higher deductible (e.g., $500 or $1,000) can lower the premium.
- Policy Duration: The policy must cover at least one year, but some insurers offer monthly payment plans instead of lump-sum payments.
What Does Super Visa Insurance Cover?
Super Visa insurance provides coverage for:
✅ Emergency Medical Expenses – Covers doctor visits, hospital stays, and medical treatments.
✅ Hospitalization – Pays for hospital room fees, intensive care, and surgeries.
✅ Prescription Drugs – Covers the cost of medications prescribed during a medical emergency.
✅ Ambulance Services – Covers emergency transportation costs.
✅ Diagnostic Tests & Lab Services – Includes X-rays, MRIs, and other medical tests.
✅ Repatriation – Covers the cost of returning to the home country in case of death.
What’s Not Covered?
? Routine Checkups & Preventive Care
? Dental & Vision Care (Unless Specifically Included)
? Injuries from Extreme Sports & High-Risk Activities
? Pre-Existing Conditions (Unless Covered by the Policy)
Always check the policy details to ensure it meets your specific healthcare needs.
How to Find the Best Super Visa Insurance Rates
Finding the best Super Visa insurance rates requires careful research and comparison. Here are some key steps to help you save money:
1. Compare Multiple Quotes
✅ Get quotes from at least 3–5 insurance providers to compare coverage and pricing.
✅ Use online comparison tools or speak with insurance brokers for the best deals.
2. Choose the Right Coverage Amount
✅ $100,000 is the minimum, but consider $150,000 or $200,000 for better protection.
✅ Higher coverage limits may cost more but provide greater financial security.
3. Look for Discounts & Promotions
✅ Some providers offer family discounts if insuring multiple people.
✅ Ask about seasonal promotions or long-term policy discounts.
4. Consider a Higher Deductible
✅ A higher deductible ($500 or $1,000) can lower monthly or upfront costs.
✅ However, ensure you can afford the deductible in case of a medical emergency.
5. Check for Pre-Existing Condition Coverage
✅ If the applicant has pre-existing conditions, choose a plan that includes coverage.
✅ Look for policies that require shorter stability periods to qualify for coverage.
Best Super Visa Insurance Providers in Canada
Here are some top-rated Super Visa insurance providers offering competitive rates:
1. Manulife
✅ Comprehensive coverage up to $300,000
✅ Covers pre-existing conditions with a stability period
✅ Offers flexible deductible options
2. Allianz Global Assistance
✅ Covers medical emergencies up to $200,000
✅ 24/7 emergency assistance
✅ Competitive rates for healthy seniors
3. GMS (Group Medical Services)
✅ Offers affordable Super Visa insurance rates
✅ Covers pre-existing conditions (based on stability requirements)
✅ Family discounts available
4. TuGo
✅ High claim approval rate
✅ Covers hospitalization, doctor visits, and medical tests
✅ Optional add-ons for trip cancellation and additional travel coverage
5. Destination Canada
✅ Budget-friendly Super Visa insurance cost
✅ Emergency medical coverage with no waiting period
✅ Monthly payment plans available
Before selecting a policy, compare coverage details, claim processing, and customer reviews to find the best Super Visa insurance plan.
Super Visa Insurance: Lump Sum vs. Monthly Payments
Most Super Visa insurance policies require a 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 manage financially compared to a lump sum payment
❌ Cons:
✖ Some insurers charge additional admin fees for monthly payments
✖ May require a deposit (first 2-3 months’ payments upfront)
If a lump sum payment is too expensive, consider Super Visa insurance monthly plans for better flexibility.
Final Thoughts
Purchasing Super Visa insurance is a crucial step in ensuring that parents and grandparents have access to medical coverage while visiting Canada. Understanding Super Visa insurance costs, comparing different Super Visa insurance rates, and choosing the right coverage can help you find the best plan at an affordable price.
