How Much Does Super Visa Insurance Cost? A Complete Price Breakdown for Visitors to Canada
If you're planning to bring your parents or grandparents to Canada under the Super Visa program, one of the key requirements is Super Visa insurance.

If you're planning to bring your parents or grandparents to Canada under the Super Visa program, one of the key requirements is Super Visa insurance. This insurance ensures that visitors have adequate medical coverage during their stay, helping them avoid financial burdens in case of unexpected health issues.
But how much does Super Visa insurance cost? The price varies based on factors like age, coverage amount, medical history, and insurance provider. In this guide, we’ll break down the Super Visa insurance rates, factors affecting costs, and tips to find the best policy for your needs.
What is Super Visa Insurance?
The Super Visa allows parents and grandparents of Canadian citizens or permanent residents to stay in Canada for up to 5 years per visit without renewing their visa. To qualify, applicants must have a medical insurance policy that meets the Immigration, Refugees and Citizenship Canada (IRCC) requirements.
Super Visa Insurance Requirements
According to IRCC, Super Visa insurance must:
✔ Provide a minimum coverage of $100,000
✔ Be valid for at least one year from the entry date
✔ Cover health care, hospitalization, and repatriation
✔ Be issued by a Canadian insurance company
Now, let's explore the cost of Super Visa insurance and how much you can expect to pay.
Super Visa Insurance Cost: Price Breakdown
The cost of Super Visa insurance varies based on several factors, including age, medical history, coverage amount, and insurance provider. Here’s a general price range:
1. Super Visa Insurance Cost by Age
Age is a significant factor in determining insurance rates. Older applicants generally pay higher premiums due to increased health risks.
Age Group |
Estimated Monthly Cost ($100,000 Coverage) |
Estimated Annual Cost |
40-49 years |
$80 – $120 |
$960 – $1,440 |
50-59 years |
$100 – $160 |
$1,200 – $1,920 |
60-69 years |
$150 – $250 |
$1,800 – $3,000 |
70-79 years |
$250 – $400 |
$3,000 – $4,800 |
80+ years |
$400 – $600 |
$4,800 – $7,200 |
???? Tip: Some insurance providers offer discounts for couples if both parents apply together.
2. Super Visa Insurance Rates by Coverage Amount
While the minimum required coverage is $100,000, many applicants opt for higher coverage to ensure better protection.
Coverage Amount |
Estimated Annual Premium (Age 60-69) |
$100,000 |
$1,800 – $3,000 |
$150,000 |
$2,000 – $3,500 |
$200,000 |
$2,500 – $4,200 |
Higher coverage amounts provide greater financial security but come at a higher premium.
3. How Medical History Affects Super Visa Insurance Cost
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Pre-existing conditions: If the applicant has health issues like diabetes, heart disease, or high blood pressure, the cost of insurance may increase.
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Stable pre-existing conditions: Some insurers offer lower premiums for applicants whose conditions have been stable for 6–12 months.
4. Insurance Provider Comparison
Different providers offer different rates. It’s recommended to compare multiple insurance companies before purchasing a plan.
Here are some well-known Super Visa insurance providers in Canada:
✔ Manulife
✔ Sun Life
✔ Tugo
✔ GMS (Group Medical Services)
✔ Blue Cross
Each provider has different rates, coverage options, and discounts, so always compare before choosing.
Ways to Lower Super Visa Insurance Cost
Looking for ways to reduce Super Visa insurance rates? Here are some expert tips:
1. Buy an Annual Policy Instead of Monthly Plans
Insurance companies offer better rates for annual plans compared to monthly premiums. A lump sum payment can help save on extra fees.
2. Choose Higher Deductibles
Some insurers allow you to increase the deductible (the amount you pay before insurance kicks in). Higher deductibles can reduce the premium, but make sure it's an amount you can afford in case of an emergency.
3. Look for Family or Couple Discounts
If both parents or grandparents are applying, some companies offer discounted rates when policies are purchased together.
4. Compare Multiple Quotes
Using comparison websites like Kanetix.ca or Rates.ca can help you find the best Super Visa insurance rates without overpaying.
5. Apply When in Good Health
Applying for insurance when the visitor is in good health can help secure lower premiums.
Where to Buy Super Visa Insurance?
You can purchase Super Visa insurance from various sources, including:
✔ Directly from insurance providers (e.g., Manulife, Tugo)
✔ Through insurance brokers who compare multiple policies
✔ Online comparison websites (e.g., Rates.ca, Kanetix.ca)
Before buying, check the policy details, exclusions, and refund policies in case the Super Visa application is denied.
Frequently Asked Questions (FAQs)
1. Can I Get a Refund If My Super Visa is Denied?
Yes! Most insurers offer a full refund if your Super Visa application is rejected. Always check the refund policy before purchasing.
2. Is Super Visa Insurance Mandatory?
Yes. Without valid Super Visa insurance, the visa application will be denied by IRCC.
3. Does Super Visa Insurance Cover Pre-Existing Conditions?
Some plans cover stable pre-existing conditions, but the premium will be higher. Always check the policy terms before purchasing.
4. What Happens If I Stay Less Than a Year?
Some insurance providers allow partial refunds if the visitor leaves Canada early, but administrative fees may apply.
5. Can I Pay Monthly for Super Visa Insurance?
Yes, but annual plans are cheaper than monthly payments. Paying upfront can save money.
Conclusion
The cost of Super Visa insurance depends on factors like age, coverage amount, medical history, and insurance provider. On average, expect to pay $1,800 to $5,000 per year for a $100,000 policy.
To get the best Super Visa insurance rates, compare multiple providers, choose higher deductibles, and look for discounts. Investing in the right policy ensures that your loved ones are protected during their stay in Canada.
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