If you’re applying for a Super Visa to bring your parents or grandparents to Canada, one of the most important requirements is Super Visa insurance. This type of insurance is mandatory—and for good reason. It provides financial protection in the event of a medical emergency during your family member’s extended stay in Canada.
But how much does Super Visa insurance actually cost?
In this comprehensive guide, we break down the Super Visa insurance cost, explain what influences the rates, and help you compare options so you can find the best policy for your family’s needs and budget.
What Is Super Visa Insurance?
Before diving into the numbers, let’s clarify what Super Visa insurance is.
It’s a specialized medical insurance policy that is required for all parents and grandparents applying for the Super Visa, which allows them to stay in Canada for up to two years at a time. The Canadian government mandates that this insurance must:
- Be purchased from a Canadian insurance provider
- Provide a minimum of $100,000 CAD in coverage
- Be valid for at least one year
- Cover health care, hospitalization, and repatriation
Without it, your visa application will be rejected.
How Much Does Super Visa Insurance Cost?
💰 Average Cost Range
The average cost of Super Visa insurance in Canada ranges from:
- $900 to $2,500 CAD per year per applicant
This wide range depends on several personal and policy-related factors, which we’ll explore next.
Factors That Affect Super Visa Insurance Rates
Just like other forms of insurance, Super Visa insurance rates vary based on risk. Here are the most common factors that impact your premium:
1. Age of the Applicant
Older parents or grandparents are statistically more likely to need medical care, which increases the cost.
- Ages 45–64: $900–$1,500/year
- Ages 65–74: $1,200–$2,000/year
- Ages 75+: $1,800–$2,500+/year
2. Coverage Amount
Though $100,000 CAD is the minimum, you can opt for higher coverage amounts (like $150,000 or $300,000). More coverage = higher premium.
3. Pre-Existing Medical Conditions
If the applicant has pre-existing conditions (like diabetes, heart issues, or hypertension), expect to pay more—especially if the condition is not considered “stable.”
4. Deductible Chosen
A deductible is the amount you agree to pay out-of-pocket before the insurance kicks in. Higher deductibles usually lower your premium.
| Deductible Amount | Impact on Premium |
| $0 | Highest premium |
| $500 | Moderate reduction |
| $1,000 or more | Lower premium but higher risk |
5. Duration of Stay
Even though the policy must cover 1 year, you may choose to cover more if you anticipate renewal. A longer policy means a higher total cost but may come with discounts.
Sample Super Visa Insurance Quotes
Here are example quotes based on real-world averages (as of 2025):
| Applicant Age | Coverage | With Pre-Existing Condition | Without Pre-Existing Condition |
| 60 | $100,000 | $1,300/year | $950/year |
| 70 | $100,000 | $2,200/year | $1,600/year |
| 75+ | $100,000 | $2,500–$3,000/year | $1,900–$2,300/year |
⚠️ Tip: Always request quotes from multiple providers and confirm whether pre-existing conditions are covered and considered “stable.”
How to Compare Super Visa Insurance Rates
Comparing rates isn’t just about choosing the lowest price. Here’s how to do it effectively:
✅ Use a Comparison Website
Websites like CompareHub, BestQuote, or Rates.ca offer side-by-side comparisons of policies and providers.
✅ Talk to a Licensed Broker
An insurance broker can help you find the best deals, especially if your parent or grandparent has a medical condition.
✅ Look Beyond the Price
Cheaper isn’t always better. Make sure to evaluate:
- What’s included/excluded
- Claim process reputation
- Refund/cancellation policy
- Emergency support availability
Top Canadian Providers Offering Competitive Super Visa Insurance Rates
Here are some reputable companies that specialize in Super Visa insurance:
- Manulife – Offers wide coverage and optional add-ons for pre-existing conditions.
- Tugo – Known for flexible plans and good service.
- GMS (Group Medical Services) – Offers competitive pricing for older applicants.
- Blue Cross – A trusted brand with extensive medical coverage.
- Travelance – Good for comprehensive plans and refund options.
Money-Saving Tips for Super Visa Insurance
💡 Buy Early
Get your insurance quote and policy ready before you apply for the visa. Rates may be lower when you plan ahead.
💡 Choose a Higher Deductible
If you’re comfortable with some risk, this can significantly reduce your premium.
💡 Healthy Applicants Save More
Encourage a healthy lifestyle. No smoking and managing chronic conditions well can reduce premiums.
💡 Opt for Stable Pre-Existing Condition Coverage
Many plans offer coverage only if the condition has been stable for a set number of days (typically 90 to 180). Ask your provider what qualifies.
Refunds and Cancellations
Many insurance providers offer pro-rated refunds if:
- The visa application is denied
- The visitor leaves Canada early
- The policy is canceled within a specific grace period
Always ask about refund policies before purchasing.
Final Thoughts
Understanding the Super Visa insurance rates is crucial for making an informed decision and ensuring that your loved ones are protected during their visit to Canada. While the price may vary based on several factors, comparing multiple quotes and choosing the right coverage can help you strike a balance between protection and affordability.
Invest in peace of mind. The right policy ensures your parents or grandparents can enjoy their time in Canada—without financial stress or medical uncertainty.
