Parent Super Visa Insurance in Canada: What You Need to Know Before You Apply

Bringing parents or grandparents to Canada for an extended stay is a beautiful way to reconnect as a family. Canada’s Super Visa program makes that possible, allowing eligible visitors to stay for up to five years at a time. But to apply, one crucial requirement must be met: parent Super Visa insurance.

If you’re planning to bring your loved ones over, here’s everything you need to know about Super Visa insurance in Canada — from coverage details to costs and application tips.

What Is Parent Super Visa Insurance?

Parent Super Visa insurance is a type of private medical insurance that visitors must purchase before applying for the Super Visa. This policy ensures that visiting parents or grandparents are covered for healthcare expenses during their stay in Canada — since they are not eligible for public healthcare coverage like Canadian residents.

According to IRCC (Immigration, Refugees and Citizenship Canada), Super Visa applicants must provide proof of medical insurance that meets specific criteria. Without it, the visa application will be rejected.

Why Is Super Visa Insurance Mandatory?

Healthcare in Canada is publicly funded for residents, but it’s not free for visitors. Even a simple emergency room visit can cost hundreds or thousands of dollars. Without insurance, families could face unexpected — and significant — medical bills.

To prevent such financial burdens, Super Visa insurance ensures:

Emergency medical costs are covered

Hospitalization and treatments don’t fall on the Canadian sponsor

Peace of mind for both the visitor and their family

Super Visa Insurance Requirements

For the Super Visa application to be considered, your parent or grandparent must show proof of an insurance policy that meets the following IRCC criteria:

✅ Minimum coverage of $100,000 CAD

 ✅ Policy duration of at least 1 year from the date of entry

 ✅ Must be issued by a Canadian insurance provider

 ✅ Proof of paid coverage, not just a quote

This insurance must remain valid for the entire duration of their stay.

What Does Parent Super Visa Insurance Cover?

While exact coverage depends on the provider and plan, most parent Super Visa insurance policies include:

Emergency medical treatment

Hospitalization and surgery

Prescription drugs for emergency use

Ambulance services

Diagnostic tests and lab work

Repatriation of remains (in case of death)

Optional Add-ons:

Coverage for pre-existing medical conditions (if stable)

Travel interruption or cancellation

Accidental death and dismemberment

Always read the policy details carefully and understand exclusions, especially for pre-existing conditions.

Cost of Super Visa Insurance in Canada

The cost of Super Visa insurance varies based on multiple factors, including:

The age of the applicant

The amount of coverage (e.g., $100,000 vs. $300,000)

Medical history and presence of pre-existing conditions

Length of the stay in Canada

Chosen deductible amount (higher deductible = lower premium)

Estimated annual costs:

Ages 45–65 (healthy)

Ages 65–75

Ages 75+

With pre-existing conditions: Add 20%–50% more

Tip: Some providers offer monthly payment options, but IRCC requires full proof of one-year coverage upfront, so monthly payment plans usually require full prepayment with a refund option.

Where to Buy Parent Super Visa Insurance

Super Visa insurance must be purchased from a Canadian insurance company. Popular and trusted providers include:

Manulife

Sun Life Financial

Tugo Insurance

GMS (Group Medical Services)

Allianz Global Assistance

Blue Cross Canada

Many of these insurers offer online quote tools that let you compare plans based on age, health status, and coverage amount.

Can You Get a Refund?

Yes — most insurance companies offer a full or partial refund if:

The Super Visa application is denied

The visitor leaves Canada early

The policy is cancelled before the effective date

Always ask about the provider’s refund policy before purchasing.

How to Choose the Right Super Visa Insurance Plan

To select the best parent Super Visa insurance for your needs, consider the following:

✅ Confirm Eligibility

Ensure your parent or grandparent qualifies for coverage, especially if they have any pre-existing medical conditions.

✅ Compare Deductibles

Lower deductibles mean less out-of-pocket expense during a medical emergency, but the premium will be higher.

✅ Consider Stability Requirements

If your parent has a pre-existing condition, the policy will usually require that the condition be stable for 90–180 days before travel.

✅ Read the Fine Print

Know what’s covered, what isn’t, and how to file a claim. A good policy will offer 24/7 emergency assistance.

FAQs About Parent Super Visa Insurance

Q1. Do both parents need separate insurance?

Yes. Each applicant must have their own policy, even if applying together.

Q2. Can I buy Super Visa insurance after arriving in Canada?

No. Insurance must be purchased before entry and submitted as part of the Super Visa application.

Q3. Does travel insurance qualify as Super Visa insurance?

No. Regular travel insurance usually doesn’t meet the IRCC requirements for Super Visa applicants.

Q4. Can I renew or extend Super Visa insurance?

Yes. If your parents extend their stay, you must renew their insurance before the existing policy expires.

Final Thoughts

Securing parent Super Visa insurance is not only a legal requirement but a smart step in protecting your loved ones from the high cost of healthcare in Canada. It ensures they are covered in case of emergencies, and helps you, as a sponsor, avoid unexpected financial burdens.

By understanding what Super Visa insurance includes, comparing providers, and planning ahead, you can simplify the process and welcome your family with confidence and peace of mind.