Canada’s Super Visa program has become a popular option for parents and grandparents of Canadian citizens or permanent residents who wish to visit their loved ones for extended periods. But one of the key requirements to qualify for this visa is purchasing Super Visa insurance. If you’re exploring options or trying to understand what’s involved, this guide covers everything you need to know before buying.
What Is Super Visa Insurance?
Super Visa insurance is a mandatory health insurance policy that covers medical emergencies, hospitalization, and repatriation for parents or grandparents visiting Canada under the Super Visa program. This insurance is required by the Immigration, Refugees and Citizenship Canada (IRCC) as proof that visitors are financially covered during their stay in Canada.
Why Do You Need Super Visa Insurance?
The Canadian healthcare system does not cover visitors. That means if your parents or grandparents fall ill or get injured during their stay, they could face hefty out-of-pocket medical bills. To avoid this risk, the Canadian government mandates that Super Visa applicants must have private parent Super Visa insurance.
Key requirements:
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Must cover a minimum of $100,000 CAD
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Must be valid for at least 1 year
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Must be from a Canadian insurance company
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Proof of purchase is required before a visa is issued
Who Needs Super Visa Insurance?
Anyone applying for a Super Visa — typically parents or grandparents of a Canadian citizen or permanent resident — needs to show proof of valid Super Visa insurance.
This requirement applies regardless of age or health condition, and without it, the application will be denied.
What Does Parent Super Visa Insurance Cover?
While coverage can vary depending on the provider and plan, most parent Super Visa insurance policies typically include:
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Emergency medical treatment
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Hospitalization
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Doctor visits and diagnostics
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Prescription medications (emergency use)
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Ambulance services
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Repatriation (return of remains in case of death)
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Accidental death or dismemberment
Some plans may also offer optional benefits like:
How Much Does Super Visa Insurance Cost?
The cost of Super Visa insurance depends on several factors, including:
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Age of the applicant
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Medical history and pre-existing conditions
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Coverage amount (typically $100,000 to $300,000)
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Deductibles (higher deductibles = lower premiums)
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Length of coverage period
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Optional add-ons (like pre-existing condition coverage)
Average cost ranges:
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For healthy individuals aged 50–60
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For older applicants (70+)
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With pre-existing condition coverage
How to Choose the Right Super Visa Insurance
Choosing the right plan involves more than just looking at the price. Here’s a checklist:
✅ Choose a reputable Canadian insurer
Make sure the provider is recognized by IRCC.
✅ Check the policy limits
Most plans start at $100,000 CAD, but going higher can offer better protection.
✅ Understand deductible options
Plans with higher deductibles are cheaper but require you to pay more out-of-pocket before coverage kicks in.
✅ Look for pre-existing condition coverage
Not all policies cover these, and if they do, there are usually stability requirements (e.g., no medication changes in 180 days).
✅ Compare reviews and claim processes
Fast claim settlements and good customer service can make a big difference in a stressful situation.
Top Super Visa Insurance Providers in Canada
Here are some of the most trusted providers of Super Visa insurance in Canada:
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Manulife Financial
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Sun Life
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Tugo Insurance
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Allianz Global Assistance
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GMS (Group Medical Services)
Many of these companies offer online quotes and application forms, making it easy to compare prices and benefits.
Can You Get a Refund If the Visa Is Denied?
Yes. Most Super Visa insurance providers offer a full refund if your visa application is denied — as long as you haven’t already used the policy or entered Canada. Always check the refund policy before purchasing.
Frequently Asked Questions (FAQs)
1. Can I buy Super Visa insurance after arriving in Canada?
No. Insurance must be purchased before arrival and proof submitted during the visa application process.
2. Do both parents need separate Super Visa insurance policies?
Yes. Each applicant must have their own individual policy that meets the requirements.
3. Is it better to buy a one-year policy or monthly renewable?
A one-year policy is usually better, as IRCC requires proof of one full year of coverage at the time of application.
4. Are pre-existing conditions covered?
Some insurers offer optional coverage, but it often requires the condition to be stable (no changes in medication or symptoms) for a certain period.
Final Thoughts
Super Visa insurance is a critical part of the application process for parents and grandparents wishing to visit their families in Canada for extended stays. It’s not just a government requirement — it’s also vital protection against unexpected medical costs.
When shopping for parent Super Visa insurance, take time to compare plans, understand what’s covered, and ensure the policy meets IRCC guidelines. Getting the right coverage will not only boost your chances of visa approval but also provide peace of mind for the whole family.
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