Super Visa Insurance Guide: Everything You Need to Know Before Applying
Canada’s Super Visa program is a game-changer for parents and grandparents who wish to visit their families for an extended period. However, a crucial requirement for obtaining a Super Visa is purchasing Super Visa Insurance. This insurance ensures that visitors have adequate medical coverage during their stay in Canada.
If you’re applying for a Parent Super Visa, this guide will provide everything you need to know about Super Visa Insurance—eligibility, costs, coverage, and tips for choosing the best plan.
What Is Super Visa Insurance?
Super Visa Insurance is a mandatory health insurance policy required by the Canadian government for parents and grandparents applying for a Super Visa. It ensures that visitors can cover healthcare costs, medical emergencies, and hospitalization while in Canada.
Why Is Super Visa Insurance Required?
Canada has a universal healthcare system, but it only covers citizens and permanent residents. Visitors, including Super Visa holders, must have private health insurance to avoid high medical expenses.
The government requires this insurance to ensure:
✅ Visitors can afford medical emergencies without financial burden.
✅ Canadian residents do not face financial strain supporting their visiting parents.
✅ Super Visa holders comply with legal requirements for extended stays.
Super Visa Insurance Requirements
To qualify for a Super Visa, applicants must meet specific insurance criteria set by Immigration, Refugees and Citizenship Canada (IRCC). The policy must:
✔️ Provide a minimum coverage
✔️ Be valid for at least 1 year from the date of entry
✔️ Cover hospitalization, healthcare, and repatriation
✔️ Be issued by a Canadian insurance provider
✔️ Be fully paid in advance (monthly payment plans may not be accepted)
Failure to meet these conditions can lead to visa rejection.
What Does Super Visa Insurance Cover?
A comprehensive Super Visa Insurance policy typically includes:
1. Emergency Medical Expenses
✔️ Doctor visits, diagnostic tests, and prescription medication
✔️ Emergency surgeries and hospital stays
✔️ Ambulance services
2. Hospitalization & Intensive Care
✔️ Daily hospital expenses, including ICU costs
3. Repatriation (Medical Evacuation & Return of Remains)
✔️ If a medical emergency requires returning to the home country
✔️ Costs of transporting remains in case of death
4. Accidental Injury Coverage
✔️ Protection against accidental injuries and permanent disability
5. Follow-Up Medical Care
✔️ Continued treatment for covered illnesses or injuries
💡 Tip: Some policies exclude pre-existing conditions, so check for coverage if applicable.
How Much Does Super Visa Insurance Cost?
The cost of Parent Super Visa Insurance depends on several factors:
1. Age of the Applicant
👴 Older applicants (60+) pay higher premiums due to increased health risks.
2. Coverage Amount & Duration
💰 Higher coverage limits ($200,000 – $500,000 CAD) lead to higher premiums.
3. Pre-Existing Medical Conditions
💊 Policies covering pre-existing conditions cost more.
4. Insurance Provider & Policy Features
🏥 Different insurance companies offer varying benefits, deductibles, and add-ons.
How to Choose the Best Super Visa Insurance Policy
When selecting Super Visa Insurance, consider these key factors:
1. Coverage Amount
🔹 Minimum CAD is required, but higher coverage is recommended.
2. Pre-Existing Condition Coverage
🔹 If the applicant has diabetes, heart disease, or other conditions, choose a plan that covers pre-existing conditions.
3. Deductibles
🔹 A higher deductible reduces premiums, but means higher out-of-pocket costs during a claim.
4. Reputation of the Insurance Provider
🔹 Choose trusted Canadian insurers with positive customer reviews and a strong claims process.
5. Refund Policy
🔹 Look for policies with partial refunds if the visa is rejected or the traveler leaves early.
Best Super Visa Insurance Providers in Canada
Here are some top-rated Canadian insurance companies offering Super Visa Insurance:
1. Manulife
✔️ Comprehensive coverage
✔️ Flexible deductible options
2. Sun Life
✔️ Competitive rates
✔️ Good pre-existing condition coverage
3. Allianz Global Assistance
✔️ Worldwide coverage
✔️ 24/7 emergency assistance
4. GMS (Group Medical Services)
✔️ Customizable plans
✔️ Refund options
5. TD Insurance
✔️ Affordable rates
✔️ Quick approval process
💡 Tip: Use online comparison tools like Kanetix.ca or Surex.com to compare quotes.
How to Buy Super Visa Insurance?
✅ Step 1: Compare plans online & choose the best one
✅ Step 2: Provide applicant details (age, health history, travel duration)
✅ Step 3: Make full payment & get an insurance policy certificate
✅ Step 4: Submit proof of insurance with your Super Visa application
💡 Tip: Ensure the policy starts on the date of entry into Canada.
Common Mistakes to Avoid When Buying Super Visa Insurance
❌ Choosing the cheapest plan – Low-cost plans may lack essential coverage
❌ Ignoring pre-existing conditions – Some policies exclude health conditions
❌ Not checking refund policies – If the visa is denied, you may lose your money
❌ Buying from non-Canadian insurers – IRCC only accepts Canadian policies
Final Thoughts
Purchasing parent super visa insurance is a crucial step in securing a Super Visa for your parents or grandparents. By choosing the right policy with adequate coverage, you ensure peace of mind during their stay in Canada.
