How Much Does Super Visa Insurance Cost in Canada?

Canada’s Super Visa program allows parents and grandparents of Canadian citizens or permanent residents to visit and stay in Canada for extended periods — up to five years at a time, with multiple entries allowed over ten years. But one of the key conditions of this visa is proof of private medical insurance. This is where Super Visa Insurance comes in.

If you’re wondering how much this insurance will cost, the answer depends on several factors. Let’s break it down in a clear and practical way.

What Is Super Visa Insurance?

Super Visa Insurance is a mandatory health insurance policy that covers emergency medical care, hospitalization, and repatriation for visitors under the Super Visa. The Canadian government requires that the insurance be:

  • Valid for at least one year

  • Issued by a Canadian insurance company

  • Cover a minimum of $100,000 in health care

  • Provide proof of payment (quotes are not accepted)

Without this insurance, a Super Visa application will be rejected.

Main Factors That Affect the Cost

The cost of Super Visa Insurance can vary widely depending on a few key factors:

1. Age of the Visitor

Older visitors are considered higher risk and therefore face higher premiums. For instance, someone in their 70s or 80s will pay significantly more than someone in their 50s.

2. Health Condition

Some insurers offer coverage for pre-existing conditions (like diabetes or high blood pressure), but it often comes at a higher cost. If no pre-existing condition is declared, premiums can be more affordable.

3. Length of Stay

Most insurance policies are issued for a one-year term. However, if you're planning a shorter stay (e.g., 3 or 6 months), some insurers may allow partial refunds upon early departure or visa denial. Always read the refund policy carefully.

4. Coverage Options

Basic plans only cover emergency medical services. Others may include additional features like dental emergencies, prescription drugs, or follow-up visits. More features mean higher premiums.

5. Deductible Amount

This is the amount the policyholder pays out-of-pocket before the insurance kicks in. Choosing a higher deductible can lower your monthly or annual premium.

So, How Much Is Super Visa Insurance?

On average, Super Visa Insurance costs between $800 to $2,500 CAD per year for a single applicant. This wide range depends on the visitor's age, health, and level of coverage.

Here’s a simple example:

Age GroupCoverageApprox. Annual Cost
45-54$100,000$900 - $1,100
55-64$100,000$1,100 - $1,500
65-74$100,000$1,500 - $2,000
75+$100,000$2,000 - $2,800+

Please note: These are estimated prices, and actual quotes may vary between insurance providers.

How to Choose the Right Policy

When comparing insurance plans, consider the following:

  • Is the insurer approved by IRCC? (Immigration, Refugees and Citizenship Canada)

  • Does the plan meet the $100,000 minimum requirement?

  • Are pre-existing conditions covered?

  • What is the deductible?

  • Is there 24/7 emergency assistance?

Choosing a reputable insurer is just as important as the policy itself. Look for companies with strong customer service, transparent claim processes, and positive reviews.

Tips to Reduce Insurance Costs

  • Buy early – Some companies offer early-bird discounts.

  • Compare multiple quotes – Prices vary between providers.

  • Consider family plans – If more than one person is traveling, bundled policies may be cheaper.

  • Select a higher deductible – Only if you're comfortable with out-of-pocket costs during emergencies.

Final Thoughts

Super Visa Insurance isn’t just a formality — it’s a safeguard for your loved ones and your finances. Medical care in Canada is expensive for non-residents, and even a short hospital visit can result in thousands of dollars in bills. Insurance gives you peace of mind, knowing that help is covered if anything unexpected happens.

Make sure to work with a trusted insurance advisor or agency that understands Super Visa requirements. They can guide you to the most suitable and cost-effective options, without compromising on coverage.

Need help getting the right quote? Trusted Canadian brokers like Bhangu Insurance specialize in Super Visa Insurance and can offer personalized support.

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