Bringing your parents or grandparents to Canada under the Super Visa program is an incredible opportunity to reunite with loved ones for an extended stay. But one of the key requirements of this long-term visitor visa is having Super Visa insurance—a type of travel medical insurance that protects visitors in case of health emergencies while in Canada.

If you’re comparing options, you’re probably asking:

“What are the current Super Visa insurance rates in Canada?”

And more importantly, “How can I get the best deal—especially if I prefer a monthly payment plan?”

This guide breaks it all down for you.

🧾 What Is Super Visa Insurance?

Super Visa insurance is mandatory for parents and grandparents applying for the Super Visa. It must:

Be issued by a Canadian insurance company

Cover a minimum of $100,000

Be valid for at least 1 year from the date of entry

Cover healthcare, hospitalization, and repatriation

Without proper insurance, the visa will not be approved—so comparing Super Visa insurance rates is more than just saving money; it’s about securing a visa and ensuring protection.

🧠 What Affects Super Visa Insurance Rates?

Understanding the factors that influence rates helps you compare plans more effectively and choose one that fits your budget.

1. Age of the Applicant
2. Older travelers face higher premiums. Insurance companies assess health risks based on age, and those 70+ often see a significant jump in pricing.
3. Coverage Amount
4. The required minimum is $100,000, but many opt for $150,000 or $300,000 to feel safer. Higher coverage = higher rates.
5. Medical History
6. Plans with pre-existing condition coverage (like high blood pressure or diabetes) are more expensive—especially for those with unstable conditions.
7. Length of Stay
8. The longer your parent or grandparent stays, the more you pay. Policies must cover at least 365 days, but some people buy coverage for longer.
9. Deductible Amount
10. This is the amount paid out-of-pocket before insurance kicks in. A higher deductible lowers your monthly premium, but increases your upfront cost in emergencies.
11. Type of Plan
12. Plans vary in what they include—basic vs. enhanced options can affect the rate. Enhanced plans may include coverage for things like prescription drugs or dental emergencies.

💳 Super Visa Insurance Monthly Plans: How They Work

Many people prefer Super Visa insurance monthly plans to avoid paying the full year upfront. Here’s how it works:

You pay an initial deposit (often the first month + admin fees)

Then make monthly payments over 12 months

The plan is still issued for a full year, meeting the Super Visa requirements

🛑 Important to Note:

Some providers require pre-authorization from IRCC to accept monthly payment plans

Others will issue a fully paid certificate while you pay monthly (through a broker)

Always check if the insurance certificate issued meets IRCC’s criteria for visa approval.

🏦 Top Providers Offering Monthly Super Visa Insurance Plans

Here are a few trusted Canadian insurers offering monthly options:

Provider

Monthly Plan Available?

Pre-existing Coverage?

Refund Policy

Manulife

Yes (via broker)

Yes (stable conditions)

Yes

TuGo

Yes

Yes

Yes

GMS

Yes

Optional

Yes

Blue Cross

Limited (check region)

Yes

Yes

🔎 How to Compare Super Visa Insurance Plans

To find the best deal, you should compare:

✅ Premium amount

✅ Coverage inclusions (hospital, physician, prescriptions, etc.)

✅ Pre-existing condition terms

✅ Refund policy (if visa denied or early return)

✅ Emergency assistance support

Many online comparison sites or licensed insurance brokers can help you do this quickly.

💡 Tips to Get the Best Super Visa Insurance Rate

Here’s how to save money without sacrificing coverage:

✔️ Compare at Least 3 Quotes

Every provider prices policies differently—even for the same coverage. Always shop around.

✔️ Choose a Higher Deductible

A $500 or $1,000 deductible can reduce your monthly premium by 10–25%.

✔️ Use a Licensed Insurance Broker

They often have access to exclusive deals or flexible payment plans not available on direct websites.

✔️ Apply Before Arrival

Rates are often lower when policies are purchased before your parent/grandparent arrives in Canada.

✔️ Bundle for Couples

If both parents are visiting, a joint policy may offer a discount.

✅ Final Thoughts

Choosing the right Super Visa insurance plan isn’t just about ticking a box for IRCC—it’s about protecting your family’s well-being. Rates vary widely, but by understanding what influences them and knowing how to shop smart, you can find a policy that offers great coverage at a fair price.

And if paying in full isn’t ideal, choosing a Super Visa insurance monthly plan gives you the flexibility to manage costs while still meeting visa requirements.