How Much Does Super Visa Insurance Cost? A Complete Breakdown for Parents & Families

If you're planning to bring your parents or grandparents to Canada under the Super Visa program, one of the most important—and often confusing—requirements is Super Visa insurance. With healthcare costs in Canada being high for visitors, this insurance protects both your loved ones and your wallet. But how much does it actually cost?

In this guide, we’ll break down the Super Visa insurance cost, explore what affects pricing, and help you compare Super Visa insurance rates so you can make the best decision for your family.

What Is Super Visa Insurance?

Super Visa insurance is a mandatory private health insurance policy required by the Immigration, Refugees and Citizenship Canada (IRCC) for parents and grandparents applying under the Super Visa program. The policy must meet these minimum requirements:

Provide at least $100,000 CAD in emergency medical coverage

Be valid for at least one year from the date of entry

Be purchased from a Canadian insurance company

Include proof of full payment (not just a quote)

Why Do Super Visa Insurance Costs Vary?

Like any insurance product, Super Visa insurance rates are not fixed. The cost varies based on several key factors, including:

Age of the applicant

Health status and pre-existing conditions

Coverage amount

Deductible amount

Length of coverage

Insurance provider

Let’s explore each of these in more detail.

Average Super Visa Insurance Cost by Age

One of the biggest factors influencing Super Visa insurance rates is the age of the visitor. Generally, the older the applicant, the higher the premium.

How Pre-Existing Conditions Affect Super Visa Insurance Rates

If your parent or grandparent has pre-existing medical conditions, such as diabetes or high blood pressure, the insurance premium will likely be higher—especially if you want that condition covered.

With pre-existing condition coverage:

Add 20%–50% more to the base cost

The condition often must be "stable" (no medication or treatment changes) for 90–180 days

How Deductibles Affect Super Visa Insurance Rates

A deductible is the amount you agree to pay out of pocket before the insurance coverage kicks in.

Higher deductible = Lower premium

Lower deductible = Higher premium but less risk during a medical emergency

Tip: Choose a deductible based on what you can realistically afford in case of an emergency.

Monthly Payment Options

Some insurance providers offer monthly payment plans, but note that IRCC requires proof of full one-year coverage before visa approval. Many insurers will accept full upfront payment and then issue monthly refunds if your parent leaves Canada early or the visa is denied.

Top Canadian Super Visa Insurance Providers

To get the best Super Visa insurance rates, compare plans from leading providers:

Provider

Known For

Manulife

Wide coverage, flexible options

Tugo Insurance

Good rates for older applicants

Allianz

Strong international network

GMS

Budget-friendly plans

Blue Cross

Excellent customer support

Most of these providers offer online quotes and have multilingual support for international families.

How to Get the Best Super Visa Insurance Rate

Here are tips to get the best value:

✅ Shop Early

Rates go up with age. Buying earlier locks in better rates.

✅ Compare Multiple Quotes

Use online quote comparison tools or work with a licensed broker.

✅ Consider a Higher Deductible

If you're confident about your parent’s health, a higher deductible can cut premium costs significantly.

✅ Ask About Refund Policies

In case the Super Visa is denied, or the stay is shortened, many insurers offer pro-rated refunds.

FAQs About Super Visa Insurance Cost

Q1: Can I cancel the policy if the visa is denied?

Yes. Most insurers offer full refunds if you provide proof of denial and haven't used the policy.

Q2: Is the insurance cost refundable if my parents leave early?

Yes. Many providers offer partial refunds for unused months—minus a cancellation fee.

Q3: Are there discounts for couples?

Some insurers offer family or joint application discounts if both parents apply together.

Final Thoughts

Understanding the Super Visa insurance rates is key to budgeting and planning your family’s long-term visit. While the price depends on multiple factors—age, health, coverage, deductible—you can find affordable rates by comparing quotes and knowing what to look for.

Always read the fine print, ask about refund policies, and choose a plan that balances cost with peace of mind. Bringing your parents or grandparents to Canada should be joyful—not stressful.