What Is the Cost of Super Visa Insurance in Canada? Compare Rates & Save

If you’re planning to invite your parents or grandparents to Canada under the Super Visa program, one of the first questions you’ll ask is: “What is the cost of Super Visa insurance in Canada?” The answer depends on several factors — but with the right information, you can compare Super Visa insurance rates, find the best deal, and save money without compromising coverage.

In this article, we’ll break down what affects Super Visa insurance cost, show you average price ranges, and provide tips to help you compare rates effectively.

What Is Super Visa Insurance?

Before diving into pricing, let’s quickly review what Super Visa insurance is and why it’s important.

Super Visa insurance is a mandatory medical insurance policy required by IRCC (Immigration, Refugees and Citizenship Canada) for all Super Visa applicants. The Super Visa allows parents and grandparents of Canadian citizens or permanent residents to stay in Canada for up to 5 years per visit, with a 10-year multiple-entry validity.

To qualify, applicants must purchase medical insurance from a Canadian insurer that provides:

✅ Coverage for a minimum of $100,000 CAD
✅ Validity for at least 1 year
✅ Coverage for healthcare, hospitalization, and repatriation
✅ Upfront payment in full or through a government-approved monthly plan

How Much Does Super Visa Insurance Cost?

The super visa insurance cost depends on multiple factors, including:

Average Super Visa Insurance Rates in Canada

While actual prices vary, here are average annual Super Visa insurance rates based on applicant age and health:

🔹 With Pre-Existing Conditions (Stable for 6+ Months):

Add 15%–40% more to the premium, depending on the severity and stability of the condition.

What’s Included in the Cost?

The Super Visa insurance cost usually covers:

• Emergency medical treatment
  
• Hospitalization and surgery
  
• Ambulance and paramedic services
  
• Prescription medications (during emergencies)
  
• Diagnostic tests (blood work, X-rays, etc.)
  
• Emergency dental services (limited)
  
• Return of remains in case of death
  

Optional coverage for pre-existing conditions (like diabetes, hypertension, or heart disease) is available, but comes with higher rates and specific terms.

Monthly vs Annual Payment Plans

Most insurers require upfront payment for 1 year to meet IRCC requirements. However, some Canadian insurers offer monthly Super Visa insurance plans that are IRCC-approved.

Monthly Plan Pros:

• Easier on your budget
  
• Helps avoid large one-time payment
  

Monthly Plan Cons:

• May include admin fees or interest
  
• Requires consistent monthly payments
  

👉 Always confirm the monthly plan is guaranteed for a full year and approved by IRCC before applying.

How to Save on Super Visa Insurance

Looking to lower your Super Visa insurance cost? Try these expert tips:

1. Increase Your Deductible

Choosing a deductible of $1,000–$2,500 can reduce your premium by up to 40%. Just ensure you can afford to pay the deductible out-of-pocket in case of an emergency.

2. Shop Around and Compare Rates

Don’t settle for the first quote you receive. Compare Super Visa insurance rates from at least 3–5 Canadian providers or use online quote comparison tools.

3. Buy from a Licensed Insurance Broker

Brokers can access deals from multiple providers and often offer exclusive discounts or promotions.

4. Look for Family or Multi-Visitor Discounts

Some insurers offer discounts if multiple family members are covered or applying together.

5. Consider Lower Coverage (if eligible)

While $100,000 is the minimum, if your parents are relatively healthy, you might not need higher coverage unless required.

Top Super Visa Insurance Providers in Canada

Here are some reputable Canadian insurance providers offering competitive Super Visa insurance rates:

✅ Manulife

• Customizable plans with flexible deductibles
  
• Good for older applicants
  
• Offers pre-existing condition coverage
  

✅ Tugo

• Known for low rates and quick claims processing
  
• Great for budget-conscious families
  
• IRCC-approved monthly payment options
  

✅ GMS (Group Medical Services)

• Excellent for applicants over 70
  
• Multiple deductible and coverage options
  
• Friendly refund policy for denied visas
  

✅ Allianz Global Assistance

• Reliable international coverage
  
• Efficient claims support
  
• Good range of emergency services
  

✅ Sun Life

• Wide coverage network
  
• Trusted brand
  
• Good for long-term plans
  

Refunds and Cancellations

Most insurers will provide pro-rated refunds if:

• The Super Visa is denied
  
• The visitor leaves Canada early
  
• Coverage hasn’t started yet
  

Some insurers may deduct a processing fee. Always ask about refund terms before buying.

Real Example: Cost Comparison

Here’s a quick side-by-side comparison for a 70-year-old parent visiting Canada for 1 year, seeking $100,000 in coverage (no pre-existing conditions):

👉 As you can see, deductibles and provider choice make a big difference in Super Visa insurance cost.

Final Thoughts

Super Visa insurance rates in Canada can vary widely based on age, coverage, and health conditions — but with a little research, you can find affordable plans that still meet all IRCC requirements.