Canada’s Super Visa program allows parents and grandparents of Canadian citizens or permanent residents to visit and stay for extended periods. However, one of the key requirements for obtaining a Super Visa is Super Visa insurance—a mandatory health insurance policy that covers medical emergencies during their stay.
If you’re looking for the best Parent Super Visa insurance in Canada, this guide will walk you through costs, requirements, and essential tips to help you make an informed decision.
What is Parent Super Visa Insurance?
Parent Super Visa insurance is a type of health insurance required for individuals applying for a Super Visa to Canada. It ensures that visitors have sufficient coverage for medical emergencies, reducing the financial burden on the Canadian healthcare system.
Why is Super Visa Insurance Mandatory?
The Canadian government requires this insurance to ensure that parents and grandparents have access to medical care without relying on the country’s public healthcare system. It must meet specific criteria set by Immigration, Refugees, and Citizenship Canada (IRCC).
Super Visa Insurance Requirements
To be eligible for a Super Visa, applicants must purchase private medical insurance from a Canadian insurance provider that meets the following conditions:
✔️ Minimum coverage of $100,000 for healthcare, hospitalization, and repatriation
✔️ Valid for at least one year from the date of entry
✔️ Proof of full payment (not just a quote)
✔️ Coverage for multiple entries if required
Without this insurance, your Super Visa application may be denied.
How Much Does Super Visa Insurance Cost?
The cost of Super Visa insurance depends on several factors, including:
🔹 Age of the applicant (older individuals pay higher premiums)
🔹 Coverage amount ($100,000 vs. $150,000 or more)
🔹 Medical history (pre-existing conditions may increase costs)
🔹 Policy duration (single or multiple entries)
Average Cost of Parent Super Visa Insurance
| Age Group | $100,000 Coverage (Annual) | $150,000 Coverage (Annual) |
| 45-54 years | $800 – $1,200 | $1,000 – $1,500 |
| 55-64 years | $1,100 – $1,600 | $1,300 – $2,000 |
| 65-74 years | $1,700 – $2,500 | $2,000 – $3,000 |
| 75+ years | $2,500 – $5,000 | $3,000 – $6,500 |
💡 Tip: Compare different insurance providers to find the best rates. Some companies also offer monthly payment plans instead of paying the full amount upfront.
Best Super Visa Insurance Providers in Canada
Here are some top-rated Super Visa insurance providers offering competitive rates and comprehensive coverage:
✅ Manulife – Trusted insurer with customizable plans
✅ Sun Life – Comprehensive coverage with flexible payment options
✅ Tugo – Affordable premiums and fast claim processing
✅ Travelance – Specializes in visitor insurance with various coverage options
✅ GMS (Group Medical Services) – Competitive pricing and great customer support
Before choosing a provider, compare coverage details, exclusions, and customer reviews to find the best fit.
Tips for Finding Affordable Parent Super Visa Insurance
1️⃣ Compare Multiple Quotes: Use online comparison tools or work with an insurance broker.
2️⃣ Choose Higher Deductibles: A higher deductible can lower your premium cost.
3️⃣ Look for Discounts: Some insurers offer discounts for couples or longer coverage durations.
4️⃣ Avoid Over-Insuring: Stick to the minimum required coverage unless additional benefits are needed.
5️⃣ Buy from a Reputable Provider: Ensure the insurer is recognized by IRCC and offers reliable customer service.
Can You Get Super Visa Insurance with Pre-Existing Conditions?
Yes! Many insurers offer Super Visa insurance with pre-existing condition coverage, but:
✔️ You may need a medical examination
✔️ Premiums will be higher
✔️ Coverage may have limitations (e.g., only stable conditions covered)
If your parent or grandparent has a pre-existing condition, ensure that the policy specifically covers it to avoid claim rejections.
How to Apply for Parent Super Visa Insurance
Follow these steps to secure the right Super Visa insurance:
1️⃣ Determine Coverage Needs – Choose a coverage amount ($100,000 minimum).
2️⃣ Compare Insurance Providers – Get multiple quotes.
3️⃣ Select a Policy – Read terms carefully.
4️⃣ Make Payment – Get proof of payment for visa application.
5️⃣ Submit Insurance Documents – Include them with the Super Visa application.
💡 Tip: Buy insurance before applying for the Super Visa to avoid processing delays.
Frequently Asked Questions (FAQs)
1. Can I Pay for Super Visa Insurance Monthly?
Yes, some insurers offer monthly payment plans instead of a lump sum payment. However, you may need to pay an initial deposit.
2. What Happens If I Cancel the Super Visa Insurance?
Most insurers offer partial refunds if the Super Visa application is denied or if the visitor leaves Canada early. Always check the cancellation policy before purchasing.
3. Is Travel Insurance the Same as Super Visa Insurance?
No. Super Visa insurance is a specific requirement for the Super Visa and must meet IRCC guidelines, whereas travel insurance may not provide sufficient coverage.
4. Can I Extend Super Visa Insurance?
Yes, you can renew or extend Super Visa insurance if your parents decide to stay longer. Contact the insurer before the policy expires.
Conclusion
Purchasing the right Parent Super Visa insurance is essential for securing a Super Visa and ensuring that your loved ones are protected during their stay in Canada. By comparing costs, understanding coverage options, and following the tips in this guide, you can find the best insurance policy at an affordable rate.
