Super Visa Canada Insurance Cost

Super Visa Canada Insurance Cost

Canada is known for its welcoming immigration policies, and the Super Visa is no exception. This visa allows parents and grandparents of Canadian citizens and permanent residents to visit Canada for extended periods, making family reunions more accessible. However, one crucial aspect of the Super Visa application process is securing the appropriate medical insurance. This blog will delve into the details of the Super Visa Canada insurance cost, providing a comprehensive guide for prospective applicants.

What is the Super Visa?

The Super Visa is a multiple-entry visa valid for up to ten years, allowing parents and grandparents to stay in Canada for up to two years per visit. Unlike a regular visitor visa, which typically permits stays of up to six months, the Super Visa is designed to accommodate longer visits. One of the key requirements for obtaining a Super Visa is proof of Canadian medical insurance coverage.

Why is Medical Insurance Mandatory?

The Canadian government mandates medical insurance for Super Visa applicants to ensure that visitors have access to health care services without burdening the public health system. This insurance must cover health care, hospitalization, and repatriation costs, with a minimum coverage of $100,000. The policy must be valid for at least one year from the date of entry into Canada.

Factors Influencing Super Visa Insurance Cost

Several factors affect the cost of Super Visa insurance:

  1. Age of the Applicant: Older applicants generally face higher insurance premiums due to the increased risk of health issues.
  2. Health Condition: Pre-existing medical conditions can significantly impact the insurance cost. Some insurers may require medical exams or impose higher premiums for those with chronic conditions.
  3. Coverage Amount: While the minimum required coverage is $100,000, applicants can choose higher coverage limits, which will increase the premium.
  4. Policy Duration: Although the Super Visa allows for stays of up to two years, insurance policies must cover at least one year. Applicants can opt for longer coverage, affecting the overall cost.
  5. Insurance Provider: Different insurance companies offer varying rates and benefits, so shopping around can help find the most cost-effective option.

Average Cost of Super Visa Insurance

On average, the cost of Super Visa insurance ranges from CAD 1,000 to CAD 3,000 per year per applicant. However, this range can vary based on the factors mentioned above. For instance, a healthy 45-year-old applicant might pay around CAD 1,200 annually, while a 70-year-old applicant with pre-existing conditions might pay upwards of CAD 3,500.

Tips for Reducing Insurance Costs

  1. Compare Quotes: Utilize online comparison tools to get quotes from multiple insurance providers. This can help identify the most affordable and comprehensive plan.
  2. Group Plans: Some insurers offer discounts for families or groups purchasing policies together.
  3. Healthy Lifestyle: Maintaining good health can help lower insurance costs. Some providers offer discounts to applicants who demonstrate healthy habits.
  4. Higher Deductibles: Opting for a higher deductible can reduce the annual premium. However, be sure to choose a deductible that is manageable in case of a claim.


Securing Super Visa insurance is a crucial step in the application process, ensuring that visitors are protected during their stay in Canada. Understanding the factors influencing the cost and exploring ways to reduce expenses can help applicants find the best insurance plan for their needs. By planning ahead and researching thoroughly, families can enjoy extended visits without the worry of unexpected medical expenses.