Canada’s Super Visa program has opened the doors for thousands of families to reunite with their loved ones for extended visits. Unlike a regular visitor visa, the Super Visa allows parents and grandparents of Canadian citizens or permanent residents to stay in Canada for up to five years at a time without the need for renewal. However, to qualify, one crucial requirement must be met: Super Visa Insurance.
In this guide, we’ll walk you through everything you need to know about super visa insurance, including what it covers, why it’s necessary, how much it costs, and how to choose the best plan for your parents or grandparents.
What Is Super Visa Insurance?
Super visa insurance is a mandatory travel medical insurance policy required for anyone applying for a Super Visa to Canada. It is designed to cover health care, hospitalization, and repatriation costs in case the insured visitor falls ill or suffers an accident while in Canada.
To be eligible for a Super Visa, the insurance must meet the following criteria:
- Be valid for at least 1 year from the date of entry
- Provide minimum coverage of $100,000 CAD
- Cover health care, hospitalization, and repatriation
- Be from a Canadian insurance company
- Be paid in full (or have a payment plan in place)
Why Is Super Visa Insurance Required?
Canada’s publicly funded healthcare system (Medicare) does not cover visitors, including those on Super Visas. Without parent super visa insurance, families could face overwhelming medical expenses if a parent or grandparent becomes sick or injured while in Canada.
Having an approved policy in place ensures:
- Financial protection for your family
- Peace of mind for both sponsors and visitors
- Compliance with Super Visa application requirements
What Does Super Visa Insurance Typically Cover?
Coverage may vary by provider, but most comprehensive super visa insurance plans include:
- Emergency medical treatment
- Hospitalization and surgery
- Prescription medication (limited amounts)
- Diagnostic tests (X-rays, lab tests, etc.)
- Emergency dental care
- Medical evacuation and repatriation
- 24/7 assistance services
Some plans may also offer optional add-ons like pre-existing condition coverage, which can be crucial for older visitors with chronic health issues.
Parent Super Visa Insurance: Understanding the Cost
The cost of parent super visa insurance depends on several factors, including:
- Age of the applicant
- Coverage amount (minimum $100,000, but higher options available)
- Duration of stay (plans are typically for 1 year but can be renewed)
- Pre-existing medical conditions
- Whether you choose a deductible to lower the premium
Average Price Range (as of 2025):
- For a healthy 60-year-old: ~$900 to $1,500 CAD per year
- For an 80-year-old with pre-existing conditions: $2,500 to $4,000+ CAD per year
Many insurance companies offer monthly installment plans, which can make premiums more manageable.
How to Choose the Best Super Visa Insurance Plan
When choosing a super visa insurance plan for your parent or grandparent, here are some tips:
1. Compare Multiple Providers
Don’t settle for the first quote. Use online comparison tools to review different plans side-by-side.
2. Check for Pre-existing Condition Coverage
If your parent has conditions like diabetes or high blood pressure, choose a plan that includes stable pre-existing condition coverage.
3. Understand the Deductible
Higher deductibles lower your premium, but they increase out-of-pocket expenses. Choose a balance that suits your budget and risk tolerance.
4. Read the Fine Print
Pay close attention to exclusions, waiting periods, and the refund policy if the visa is denied or travel plans change.
Top Canadian Super Visa Insurance Providers
Here are some well-known companies offering parent super visa insurance in Canada:
- Manulife
- Sun Life
- Travelance
- Tugo
- Allianz
- GMS (Group Medical Services)
Make sure to choose a provider approved by the Immigration, Refugees and Citizenship Canada (IRCC).
How to Apply for Super Visa Insurance
- Get a Quote Online or Through a Broker
Provide basic details (age, travel dates, medical history) to receive a quote. - Select a Plan
Choose the policy that best meets your needs in terms of coverage and cost. - Make the Payment
Pay the full annual premium or opt for a monthly payment plan if available. - Receive Policy Documents
You'll get a digital certificate of insurance, which must be included with the Super Visa application. - Apply for the Super Visa
Submit the insurance policy along with other required documents to IRCC.
Frequently Asked Questions
Q: Can I cancel super visa insurance if the visa is denied?
Yes. Most providers offer a full refund if the visa is denied, as long as proof is submitted (e.g., visa refusal letter).
Q: Can I get a refund if my parents leave Canada early?
Partial refunds may be available for unused coverage, depending on the insurer’s refund policy and whether any claims were made.
Q: Is super visa insurance renewable?
Yes, policies can typically be renewed annually if your parent or grandparent plans to stay longer.
Final Thoughts
Applying for a Super Visa is an excellent way to reunite with family in Canada for extended periods—but ensuring proper medical coverage is not optional. Super visa insurance is essential for protecting your loved ones and complying with immigration requirements.
By comparing plans, understanding coverage, and choosing the right provider, you can secure reliable parent super visa insurance that brings peace of mind for both you and your family.
