Welcoming parents or grandparents to Canada under the Super Visa program is a wonderful opportunity for families to reunite and spend extended time together. However, one of the key requirements for approval is obtaining proper parent super visa insurance. Choosing the right super visa insurance can be overwhelming with so many providers, varying coverage options, and price points.
In this guide, we’ll walk you through what parent super visa insurance covers, the typical costs, and how to select the best policy that ensures peace of mind for your loved ones — and compliance with immigration rules.
What Is Parent Super Visa Insurance?
Super visa insurance is a type of travel medical insurance specifically designed to meet the requirements of Canada’s Super Visa program. This visa allows parents and grandparents of Canadian citizens or permanent residents to stay in Canada for up to two years at a time, without the need to renew their status.
To be eligible for a Super Visa, applicants must provide proof of valid health insurance that meets these key criteria:
Minimum coverage of $100,000 CAD
Valid for at least one year from the date of entry
Must cover healthcare, hospitalization, and repatriation
Must be from a Canadian insurance provider
Why Is Super Visa Insurance Important?
Unlike provincial health coverage that’s available to Canadian citizens and residents, visiting parents or grandparents aren’t automatically covered. If they experience a medical emergency, the costs can be staggering.
Parent super visa insurance ensures that:
Emergency medical expenses are covered
There is no financial burden on the host family
Visa requirements are met for approval
Peace of mind is provided for both the visitor and their family
What Does Super Visa Insurance Cover?
Though specific benefits may vary by provider, a standard super visa insurance plan typically includes:
Emergency medical treatment
Hospitalization and surgery
Prescription medications (related to emergencies)
Repatriation or return of remains
Ambulance services
Follow-up visits
Some plans may also cover dental emergencies and accidental injuries
It’s crucial to read the fine print, especially about pre-existing medical conditions, exclusions, and coverage limits.
Average Cost of Parent Super Visa Insurance
The cost of parent super visa insurance depends on several factors:
Age of the applicant (older individuals pay higher premiums)
Duration of coverage (full year vs. shorter term if refundable)
Level of coverage (basic vs. comprehensive)
Pre-existing conditions (and whether they are stable or unstable)
Deductibles chosen (higher deductible = lower premium)
On Average:
For a healthy 55-year-old: ~$900 to $1,500 CAD/year
For someone aged 75+: ~$1,800 to $3,500 CAD/year
Add-ons for pre-existing conditions may increase the premium by 20–50%
Tip: Some companies offer monthly payment options or partial refunds if your parents leave Canada early.
How to Choose the Best Parent Super Visa Insurance Plan
Choosing the right plan isn’t just about picking the cheapest option. Here’s a checklist to help you compare:
1. Ensure It Meets IRCC Requirements
Make sure the policy clearly states that it meets Immigration, Refugees and Citizenship Canada (IRCC) guidelines.
2. Look for Comprehensive Coverage
Beyond the $100,000 minimum, consider coverage for:
Diagnostic tests
Emergency dental
Prescription drugs
Return of minor children
Repatriation of remains
3. Check for Pre-existing Condition Coverage
If your parent has diabetes, heart issues, or other conditions, ensure:
The insurer offers coverage for pre-existing conditions
The condition is stable as per their definition (often 90 to 180 days before the policy starts)
4. Compare Deductibles and Premiums
Choosing a higher deductible can lower your premium — but make sure it’s affordable in an emergency.
5. Refund and Cancellation Policy
Ask:
Can I cancel and get a refund if the visa is denied?
Is there a refund if my parent leaves early?
6. Read Reviews and Get Recommendations
Choose a reputable provider with good customer service and prompt claims processing.
Popular Super Visa Insurance Providers in Canada
While I can't promote specific companies, here are types of providers to look into:
Established insurance companies like Manulife, Allianz, and Blue Cross
Specialized super visa insurance brokers who compare multiple policies
Online aggregators for side-by-side comparisons
Pro Tip: Some brokers offer multi-policy discounts, or even cashback when you buy online.
Final Thoughts: Super Visa Insurance Is More Than a Requirement
While super visa insurance is a mandatory requirement, it’s also a safety net. Medical care in Canada is excellent — but it’s expensive without insurance. Taking the time to compare and choose the best parent super visa insurance plan can save thousands of dollars and prevent stress during emergencies.
Always balance cost with coverage, and ensure the plan aligns with your parent’s age, health status, and intended length of stay.
