Canada’s Super Visa program is a fantastic opportunity for parents and grandparents of Canadian citizens and permanent residents to visit their families for extended periods. However, one crucial requirement for obtaining a Super Visa is Super Visa Insurance.

If you’re planning to bring your parents or grandparents to Canada under this program, understanding the ins and outs of parent Super Visa insurance is essential. This guide will walk you through everything you need to know, including coverage details, costs, eligibility, and tips for choosing the best policy.

What is Super Visa Insurance?

Super Visa Insurance is a mandatory medical insurance policy required for parents and grandparents applying for a Super Visa to visit Canada. This insurance ensures that visitors have adequate medical coverage in case of emergencies while staying in the country.

Why is Super Visa Insurance Required?

The Canadian government mandates this insurance to:

• Ensure visitors can cover potential medical expenses.

• Reduce the burden on Canada’s public healthcare system.

• Provide financial security in case of unexpected health issues.

Super Visa Insurance Requirements

To be eligible for a Super Visa, the insurance policy must meet the following criteria:

✅ A minimum coverage of $100,000 (CAD) for healthcare, hospitalization, and repatriation.
✅ The policy must be valid for at least one year from the date of entry into Canada.
✅ The insurance must be purchased from a Canadian insurance provider.
✅ Proof of payment is required—quotes alone are not accepted by Immigration, Refugees, and Citizenship Canada (IRCC).

Coverage Provided by Super Visa Insurance

A parent Super Visa insurance policy typically includes:

✅ Medical Coverage

• Emergency hospitalization and treatment

• Doctor’s visits and diagnostic tests

• Prescription medications

✅ Emergency Services

• Ambulance services

• Emergency dental care

• Coverage for accidental injuries

✅ Repatriation & Travel Assistance

• Cost of returning to the home country in case of medical emergencies

• Repatriation of remains in the event of death

⛔ What’s Not Covered?

Super Visa Insurance does not typically cover:

• Pre-existing conditions (unless a policy specifically includes them)

• Routine check-ups and elective procedures

• Cosmetic surgeries and non-emergency treatments

Cost of Super Visa Insurance in Canada

The cost of Super Visa Insurance varies based on factors like:

Average Costs:

• For a 65-year-old applicant, Super Visa Insurance typically costs $800 – $2,500 per year.

• Monthly premium options are available with some insurance providers.

💡 Tip: Compare multiple quotes to get the best deal!

How to Choose the Best Super Visa Insurance Policy

1. Compare Multiple Providers

Different insurance companies offer different benefits, so it’s essential to compare policies before purchasing.

2. Look for Customizable Coverage

Choose an insurance plan that suits the medical needs of your parents or grandparents. Some policies offer add-ons for pre-existing conditions.

3. Check the Insurance Provider’s Reputation

Make sure to choose a provider with a good claim approval rate and customer service reviews.

4. Understand the Policy Terms

Read the fine print to avoid surprises when making a claim. Look for exclusions, waiting periods, and claim procedures.

5. Consider Deductibles

A higher deductible may reduce monthly premiums but could increase out-of-pocket costs during an emergency.

Best Super Visa Insurance Providers in Canada

Some of the top Super Visa Insurance providers in Canada include:

🏆 Manulife – Offers comprehensive coverage with flexible payment options.
🏆 Sun Life – Competitive rates with strong customer service.
🏆 Blue Cross – Provides plans with pre-existing condition coverage.
🏆 Travelance – Affordable and flexible plans for Super Visa applicants.
🏆 Tugo – Great options for emergency medical coverage.

💡 Tip: Always check customer reviews and claim settlement history before choosing a provider.

How to Buy Super Visa Insurance

Step 1: Compare Quotes

Visit insurance comparison websites or directly check with providers to get multiple quotes.

Step 2: Choose a Policy

Select a policy that meets the Super Visa requirements and offers the best coverage.

Step 3: Complete the Application

Fill out the required forms, providing accurate details about the applicant’s age, health status, and travel plans.

Step 4: Make the Payment

Super Visa Insurance must be fully paid upfront—monthly payments are often not accepted for visa approval.

Step 5: Receive Policy Documents

After purchase, you’ll receive an insurance certificate, which you must submit with your Super Visa application.

Frequently Asked Questions (FAQs)

1. Is Super Visa Insurance refundable?

Yes! If the Super Visa application is rejected or if your parents don’t travel to Canada, many insurers offer partial or full refunds.

2. Can I pay for Super Visa Insurance monthly?

While some insurers offer monthly payment plans, the IRCC requires that the full annual premium be paid upfront for visa approval.

3. Do I need a new policy if my parents extend their stay?

Yes! You’ll need to renew the policy before it expires to ensure continued coverage.

4. Can I purchase Super Visa Insurance from an international provider?

No. The insurance must be from a Canadian company to meet the IRCC’s requirements.

5. Does Super Visa Insurance cover COVID-19?

Many policies now include COVID-19 coverage, but it’s essential to check with the provider for specific details.

Final Thoughts

Purchasing Super Visa Insurance is a crucial step in the parent Super Visa insurance application process. Choosing the right insurance policy ensures that your parents or grandparents have the necessary medical protection while visiting Canada.