Bringing parents or grandparents to Canada on a Super Visa is a wonderful way to reunite families for extended periods. But one of the key requirements for this visa is proof of Super Visa insurance—a special type of health coverage designed to protect your loved ones while they’re visiting.

If you’re wondering, “How much does Super Visa insurance cost in Canada?” you’re not alone. Costs can vary widely based on age, medical history, coverage amount, and the provider. In this detailed breakdown, we’ll explore average rates, what affects pricing, and tips to find the best deal.

🛂 What Is Super Visa Insurance?

Super Visa insurance is a mandatory medical insurance policy required for applicants under the Parent and Grandparent Super Visa program. It provides health coverage for at least $100,000, must be valid for a minimum of one year, and is issued by a Canadian insurance provider.

Why it matters:

Covers emergency medical care

Includes hospitalization and repatriation

Helps avoid out-of-pocket healthcare costs (which in Canada can be very high for non-residents)

Now, let’s dive into the actual cost side of things.

📊 What Affects Super Visa Insurance Rates?

Several key factors influence your final super visa insurance rate:

1. Age of the Applicant
2. The older the applicant, the higher the premium—this is due to increased health risks and likelihood of claims.
3. Coverage Amount
4. Minimum required: $100,000

Many opt for $150,000 or $300,000 for extra peace of mind Higher coverage = higher cost, but also greater protection.

1. Medical History
2. If your parent or grandparent has pre-existing medical conditions, they may need a plan that includes special coverage, which comes at a premium.
3. Duration of Stay
4. While the visa is valid for up to 10 years, the insurance must cover at least the first year. However, some people buy multi-year coverage or shorter terms with the option to extend.
5. Deductible Amount
6. Choosing a higher deductible (i.e. the out-of-pocket amount you pay before coverage kicks in) can lower your monthly premium.
7. Provider & Plan Type
8. Different insurance providers offer varying benefits, refund policies, and pricing models.

🧾 Optional Add-Ons That May Affect Cost

Depending on your family’s situation, you may want to consider optional add-ons that increase the overall insurance rate:

Coverage for Pre-existing Conditions (e.g. diabetes, high blood pressure)

Trip interruption or cancellation insurance

Repatriation and burial benefits

Dental and prescription drug coverage

These extras can raise your premium by 15–40%, but may offer critical protection.

💰 How to Save on Super Visa Insurance

Here are a few strategies to reduce your Super Visa insurance cost without sacrificing coverage:

✅ Compare Multiple Providers

Don’t settle for the first quote. Use comparison websites or consult with a licensed insurance broker to find the best deal.

✅ Choose Higher Deductibles

Opting for a deductible of $500 or $1,000 can significantly reduce premiums.

✅ Buy Insurance Before Entry

Purchasing before your parent arrives in Canada usually offers better rates and more policy flexibility.

✅ Bundle for Couples

If both parents are applying together, some providers offer couple discounts on joint policies.

✅ Short-Term Policies (If Staying Less Than a Year)

If your parent plans to return earlier, consider short-term coverage and apply for a partial refund later (many companies refund unused months).

📋 Is Monthly Payment Available?

Yes—many providers offer monthly payment options instead of paying the full annual premium upfront. However, some may add a small admin fee, so always read the fine print.

🧠 Final Thoughts

Understanding the Super Visa insurance rates in Canada is a key step in planning your parents’ or grandparents’ long-term visit. Costs depend on several factors, including age, health, and the level of coverage chosen—but with smart planning, it’s possible to find a comprehensive plan at a reasonable rate.