Canada’s Super Visa program has become a popular option for families looking to reunite with parents and grandparents for extended periods. However, one of the most critical requirements of the program is purchasing Super Visa insurance—a specific type of medical insurance designed to cover emergency healthcare costs during their stay in Canada.
In this guide, we’ll explain what Super Visa insurance covers, why it’s mandatory, and how to choose the right policy to protect your loved ones while meeting all the legal requirements.
What Is Super Visa Insurance?
Super Visa insurance is a form of private Canadian health insurance required for parents and grandparents of Canadian citizens or permanent residents applying for a Super Visa. The Super Visa allows eligible family members to stay in Canada for up to two years at a time without needing to renew their status.
To be approved, applicants must show proof of medical insurance coverage from a Canadian insurance provider that meets certain requirements.
Why Is Super Visa Insurance Mandatory?
Unlike Canadian citizens or permanent residents, visitors are not covered under provincial healthcare plans. The cost of emergency medical services in Canada can be extremely high for uninsured individuals. Super Visa insurance ensures that:
- Parents and grandparents are protected in case of illness, accidents, or hospitalization
- Canadian healthcare systems are not financially burdened
- Visa applications are approved more smoothly
What Does Super Visa Insurance Cover?
A standard parent Super Visa insurance policy typically includes the following:
1. Emergency Medical Coverage
This includes hospital stays, doctor visits, surgery, ambulance services, and prescription medications needed during an emergency.
2. Repatriation or Return of Remains
In the unfortunate event of death, most policies cover the cost of returning the body to the home country or cremation.
3. Accidental Injury
Policies often include coverage for injuries due to unexpected accidents, including fractures, burns, and head trauma.
4. Dental Emergencies
Some policies provide limited coverage for dental emergencies like abscesses, broken teeth, or sudden dental pain.
5. Follow-up Care
Certain plans may also offer coverage for follow-up visits or care related to the initial emergency treatment.
✅ Note: Coverage specifics vary by provider. Always read the policy terms carefully to understand what’s included and what’s not.
Super Visa Insurance Requirements
According to IRCC (Immigration, Refugees and Citizenship Canada), Super Visa applicants must provide proof of medical insurance that:
- Is valid for at least one year
- Covers a minimum of $100,000 CAD
- Is from a Canadian insurance provider
- Provides proof of full payment (quotes or partial payments aren’t accepted)
How Much Does Super Visa Insurance Cost?
The cost of Super Visa insurance in Canada depends on several factors:
| Factor | Impact on Cost |
| Age of applicant | Older applicants generally pay more |
| Duration of coverage | Longer coverage means higher premiums |
| Health status | Pre-existing conditions may raise costs |
| Coverage amount | Higher limits increase premiums |
| Deductible selected | Higher deductibles can lower your premium |
On average, Super Visa insurance for parents costs anywhere from $900 to $2,500 CAD per year.
How to Choose the Right Super Visa Insurance Policy
Choosing the right policy can feel overwhelming, but breaking it down into steps can help:
1. Compare Multiple Quotes
Use comparison tools or consult an insurance broker to get quotes from various Canadian providers. This helps you find the best value based on your specific needs.
2. Evaluate Coverage Options
Check what each policy includes—especially in terms of pre-existing conditions, emergency services, and exclusions.
3. Consider Deductibles
A higher deductible lowers your premium but increases your out-of-pocket cost during a claim. Balance your budget and risk tolerance accordingly.
4. Look for Refund and Cancellation Policies
Some insurers offer partial refunds if your visa is denied or your trip is cut short. Be sure to check the fine print.
5. Ensure IRCC Compliance
Double-check that the policy meets all Super Visa requirements (duration, coverage limit, Canadian provider, full payment proof).
Best Canadian Insurance Providers for Super Visa Insurance
Here are a few popular providers known for offering reliable parent Super Visa insurance:
- Manulife
- Sun Life Financial
- Tugo
- GMS (Group Medical Services)
- Blue Cross
Make sure to read customer reviews and consult a licensed insurance agent before finalizing.
Tips for Saving on Super Visa Insurance
- Buy early: Lock in lower rates by purchasing in advance.
- Opt for a higher deductible: If you’re comfortable paying more during emergencies.
- Compare discounts: Some providers offer family or multi-year discounts.
- Healthy lifestyle: Applicants in good health often qualify for better rates.
Final Thoughts
Purchasing Super Visa insurance is not just a legal requirement—it’s a practical necessity that protects your loved ones during their stay in Canada. Understanding what it covers, how much it costs, and how to select the right policy can make the entire process smoother and less stressful.
Take your time, compare options, and make an informed decision that gives both you and your family peace of mind. After all, family reunification should be a joyful experience—not one shadowed by medical uncertainties.