How Much Does Super Visa Insurance Cost? A Complete Guide for Applicants

If you’re applying for a Super Visa to visit Canada, you must have Super Visa insurance—a mandatory health insurance policy that covers medical expenses during your stay. But how much does Super Visa insurance cost?

The cost of Super Visa insurance depends on factors such as age, coverage amount, deductible, and pre-existing medical conditions. In this guide, we’ll break down the Super Visa insurance rates, explain how they are calculated, and share tips to help you find the best and most affordable policy.

What Is Super Visa Insurance?

Super Visa insurance is a medical insurance policy required for parents and grandparents of Canadian citizens or permanent residents applying for a Super Visa. The Canadian government mandates this insurance to ensure visitors can cover any medical expenses while in Canada.

Super Visa Insurance Requirements

To meet Immigration, Refugees, and Citizenship Canada (IRCC) requirements, a Super Visa insurance policy must:

✔ Cover at least $100,000 in medical expenses

 ✔ Be valid for a minimum of one year from the entry date

 ✔ Include coverage for hospitalization, healthcare, and repatriation

 ✔ Be purchased from a Canadian insurance provider

Since healthcare in Canada is expensive for non-residents, this insurance ensures that visitors do not face financial burdens due to unexpected medical emergencies.

How Much Does Super Visa Insurance Cost?

The cost of Super Visa insurance varies based on several factors, including age, health condition, coverage amount, and deductible.

Average Super Visa Insurance Rates

Age Group

Coverage Amount

Estimated Annual Cost

40-50 Years

$100,000

$800 - $1,200

51-60 Years

$100,000

$1,200 - $1,800

61-70 Years

$100,000

$1,800 - $3,000

71+ Years

$100,000

$3,000+

💡 Tip: The higher the coverage amount, the higher the Super Visa insurance cost. However, most applicants opt for $100,000 to $150,000 coverage for comprehensive protection.

Monthly vs. Annual Payment

Some insurance providers offer monthly payment plans instead of a lump-sum payment. However, monthly plans may include additional administrative fees.

Factors Affecting Super Visa Insurance Cost

Several factors impact Super Visa insurance rates. Understanding these can help applicants choose the best policy at an affordable rate.

1. Age of the Applicant

Older individuals typically pay higher premiums due to increased health risks.

2. Coverage Amount

The minimum coverage is $100,000, but some applicants opt for $150,000 or $200,000 for extra protection. Higher coverage means higher premiums.

3. Pre-Existing Medical Conditions

Some insurance providers cover pre-existing conditions at a higher premium, while others exclude them. A medical history assessment may be required.

4. Deductible Amount

A deductible is the amount the insured person pays before the insurance coverage starts. Policies with higher deductibles have lower premiums, but they require more out-of-pocket payments in case of a claim.

Deductible Amount

Estimated Discount on Premium

$0

No discount

$500

10-15% discount

$1,000

20-25% discount

$5,000

40-50% discount

5. Length of Stay

The policy must be valid for one year, but if a visitor stays longer and needs a renewal, costs may increase.

6. Insurance Provider

Different Canadian insurance companies offer different Super Visa insurance rates. Comparing multiple providers can help find the best deal.

How to Get the Best Super Visa Insurance Rates

1. Compare Multiple Quotes

Use online comparison tools or consult an insurance broker to compare policies from different providers.

2. Choose a Higher Deductible

Selecting a higher deductible reduces Super Visa insurance cost, but ensure it's an amount you can afford in case of a medical emergency.

3. Opt for the Right Coverage Amount

While $100,000 is the minimum required coverage, choosing $150,000 or $200,000 can provide better protection.

4. Buy from a Reputable Canadian Provider

Only purchase insurance from a Canadian insurance company to meet IRCC requirements and ensure claim reliability.

5. Look for Discounts

Some insurers offer family discounts, multi-year policies, or seasonal promotions that lower premium costs.

Best Super Visa Insurance Providers in Canada

Here are some of the top Super Visa insurance providers offering competitive rates and comprehensive coverage:

1️⃣ Manulife – Offers flexible plans and coverage for pre-existing conditions.

 2️⃣ Sun Life – Known for reliability and extensive medical coverage.

 3️⃣ Blue Cross – Provides customizable plans at affordable rates.

 4️⃣ Tugo – Specializes in travel and visitor insurance.

 5️⃣ GMS (Group Medical Services) – Offers budget-friendly Super Visa insurance policies.

Each provider has different pricing and coverage options, so it’s best to get multiple quotes before making a decision.

How to Buy Super Visa Insurance

The process of purchasing Super Visa insurance is simple and can be done online:

✅ Step 1: Compare quotes from multiple providers.

 ✅ Step 2: Select the best plan based on coverage, cost, and reputation.

 ✅ Step 3: Purchase the policy and receive the insurance certificate.

 ✅ Step 4: Submit the insurance proof with your Super Visa application.

Most insurance providers offer instant online purchase options for faster processing.

FAQs About Super Visa Insurance Cost

1. Can I pay for Super Visa insurance monthly?

Some providers offer monthly payment options, but most require full upfront payment.

2. Is Super Visa insurance refundable if my visa is denied?

Yes, most insurers offer full refunds if the Super Visa is denied, provided no claims have been made.

3. Do pre-existing medical conditions affect the cost?

Yes, coverage for pre-existing conditions increases the premium. Some providers may exclude pre-existing conditions altogether.

4. Can I renew my Super Visa insurance after one year?

Yes, policies can be renewed annually if the visitor stays longer.

5. What happens if I don’t have Super Visa insurance?

Without valid Super Visa insurance, your Super Visa application will be rejected. Even if you enter Canada without insurance, you risk high medical costs in case of emergencies.

Final Thoughts

The Super Visa insurance cost depends on factors like age, coverage amount, and health condition. On average, Super Visa insurance rates range from $800 to $3,000+ per year.

To find the best rates, compare multiple insurance providers, choose a higher deductible, and ensure your policy meets IRCC requirements. Investing in Super Visa insurance ensures financial security and peace of mind during your visit to Canada.