Super Visa Insurance Cost: A Complete Guide for Parents and Families
If you’re planning to invite your parents or grandparents to Canada under the Super Visa program

If you’re planning to invite your parents or grandparents to Canada under the Super Visa program, understanding the Super Visa Insurance cost is a crucial step in the process. This insurance not only fulfills the Canadian government’s requirements but also ensures your loved ones have access to quality healthcare during their stay.
In this guide, we’ll explore what impacts the cost of Parent Super Visa Insurance, the coverage options available, and tips to find the best policy for your family’s needs.
What Is Super Visa Insurance?
Super Visa Insurance is a mandatory health insurance policy required for parents and grandparents applying for the parent super visa insurance, which allows extended stays in Canada for up to two years at a time.
This insurance is specifically designed to cover medical emergencies, hospitalization, and repatriation, ensuring that visitors are not burdened by Canada’s high healthcare costs.
Why Is Super Visa Insurance Important?
Super Visa Insurance serves two main purposes:
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Visa Compliance: It is a mandatory requirement set by the Canadian government to ensure visitors are financially protected against unexpected healthcare costs.
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Peace of Mind: Medical emergencies can happen at any time. Insurance ensures that visitors can access healthcare services without worrying about the expenses.
What Factors Influence Super Visa Insurance Costs?
The cost of Super Visa Insurance can vary widely based on several factors:
1. Age of the Applicant
Older individuals typically face higher premiums due to increased health risks. For example, a 75-year-old applicant will generally pay more than a 50-year-old applicant.
2. Pre-Existing Medical Conditions
If the applicant has pre-existing medical conditions, the cost of insurance can be higher. Some insurers offer coverage for stable pre-existing conditions, but this often comes with additional costs.
3. Coverage Amount
The minimum coverage required is CAD $100,000, but applicants can choose higher coverage limits (e.g., $150,000 or $200,000). The higher the coverage, the more expensive the policy.
4. Length of Coverage
Super Visa Insurance must be valid for at least one year. However, if you purchase insurance for longer durations, the premium will increase proportionally.
5. Insurance Provider
Different providers offer varying premiums based on their coverage options, underwriting policies, and additional benefits.
How Much Does Super Visa Insurance Cost?
On average, the cost of Parent Super Visa Insurance ranges between CAD $800 to $2,000 per year per person. Here’s a breakdown of typical costs based on age and coverage:
Age Group |
$100,000 Coverage |
$150,000 Coverage |
$200,000 Coverage |
45-54 |
$800-$1,200 |
$1,000-$1,400 |
$1,200-$1,600 |
55-64 |
$1,000-$1,500 |
$1,200-$1,800 |
$1,500-$2,000 |
65-74 |
$1,500-$2,000 |
$2,000-$2,500 |
$2,500-$3,000 |
75+ |
$2,000+ |
$2,500+ |
$3,000+ |
Note: These are approximate costs. Actual premiums will depend on the factors mentioned above and the specific insurance provider.
What Does Super Visa Insurance Cover?
While coverage varies between providers, most Super Visa Insurance policies include:
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Emergency Medical Expenses: Costs related to sudden illnesses or injuries.
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Hospitalization: Includes room charges, surgery, and related medical services.
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Prescription Drugs: Medications prescribed during a covered emergency.
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Repatriation: Transportation costs in the event of severe illness or death.
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Follow-Up Care: Ongoing treatment or medical consultations after a medical emergency.
Optional add-ons such as dental coverage or travel insurance may be available at an additional cost.
How to Choose the Right Super Visa Insurance Policy
Selecting the right insurance policy involves careful consideration. Here are some steps to guide you:
1. Compare Quotes from Multiple Providers
Request quotes from at least three different insurance providers to compare coverage options, premiums, and benefits.
2. Understand Exclusions
Read the policy details carefully to understand what is not covered, such as certain pre-existing conditions or specific treatments.
3. Look for Refund Options
Some providers offer partial refunds if the Super Visa application is denied or if the insured person leaves Canada earlier than expected.
4. Assess the Provider’s Reputation
Choose an insurance company with a strong reputation for customer service, quick claims processing, and reliability.
5. Include Pre-Existing Conditions Coverage
If applicable, opt for a policy that covers stable pre-existing conditions to avoid unexpected expenses.
Tips to Reduce Super Visa Insurance Costs
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Buy Early: Lock in lower rates by purchasing insurance well in advance of your parents’ or grandparents’ arrival.
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Opt for Annual Policies: Many insurers offer discounts for purchasing annual policies rather than monthly plans.
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Compare Providers: Use online comparison tools or work with an insurance broker to find the best rates.
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Choose Basic Coverage: If budget is a concern, stick to the minimum coverage of CAD $100,000 without optional add-ons.
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Maintain Stable Health: If possible, ensure the applicant’s pre-existing conditions are stable for at least 6-12 months to qualify for lower premiums.
How to Buy Super Visa Insurance
The process of purchasing Parent Super Visa Insurance is simple:
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Research Providers: Look for Canadian insurance companies specializing in Super Visa Insurance.
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Request Quotes: Gather quotes from multiple providers to compare options.
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Choose a Policy: Select the plan that meets the government’s requirements and fits your budget.
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Purchase the Policy: Complete the application process and pay the premium.
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Submit Proof: Provide the insurance certificate along with your Super Visa application.
Common Mistakes to Avoid When Buying Super Visa Insurance
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Choosing the Cheapest Option: Low-cost plans may lack essential coverage, leading to higher out-of-pocket expenses during emergencies.
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Not Reading Policy Details: Overlooking exclusions and terms can result in denied claims.
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Delaying the Purchase: Waiting until the last minute to buy insurance may delay the visa application process.
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Skipping Pre-Existing Condition Coverage: Ignoring this option can lead to uncovered expenses if the applicant has health issues.
Frequently Asked Questions About Super Visa Insurance Cost
Q: Can I get a refund if my Super Visa application is denied?
A: Yes, most insurance providers offer refunds if your visa application is rejected. Be sure to confirm this with the provider before purchasing.
Q: Is Super Visa Insurance more expensive for older applicants?
A: Yes, premiums increase with age due to higher health risks.
Q: Can I pay the insurance premium monthly?
A: While some providers may offer monthly payment options, most require a full upfront payment for Super Visa Insurance.
Conclusion
Understanding the Super Visa Insurance cost is a critical part of the Super Visa application process. While premiums may vary depending on factors such as age, health, and coverage amount, investing in the right insurance policy ensures peace of mind and financial security for your loved ones.
Take the time to research and compare policies from reputable providers, and don’t hesitate to seek advice from an insurance broker if needed. By selecting the right plan, you’ll not only meet the Canadian government’s requirements but also protect your parents or grandparents during their stay in Canada.
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