Canada’s Super Visa program allows parents and grandparents of Canadian citizens or permanent residents to stay in the country for extended periods—up to five years at a time. One of the most essential requirements for a successful Super Visa application is obtaining parent Super Visa insurance.
This guide will walk you through everything you need to know before applying, including what the insurance covers, how much it costs, where to buy it, and tips for choosing the right plan.
What Is Parent Super Visa Insurance?
Parent Super Visa insurance is a private health insurance policy required by Immigration, Refugees and Citizenship Canada (IRCC) for anyone applying for a Super Visa to visit their children or grandchildren in Canada.
Unlike regular travel insurance, this type of policy is tailored to meet the Super Visa requirements and must:
- Be issued by a Canadian insurance company
- Provide emergency medical coverage of at least $100,000 CAD
- Be valid for a minimum of 1 year
- Be fully paid in advance (quotes or unpaid policies are not accepted)
The goal is to ensure visitors are financially protected during their extended stay, especially since they are not eligible for Canada’s public healthcare system.
Why Is Super Visa Insurance Required?
Canada’s healthcare services are subsidized for residents, but visitors are not covered. A single emergency room visit or hospitalization can cost thousands of dollars. Without insurance, the financial burden falls on the visitor or their sponsoring family.
The Super Visa insurance requirement protects both visitors and Canadian residents from such unexpected expenses, ensuring peace of mind during long stays.
What Does Super Visa Insurance Cover?
While coverage can vary between providers, most parent Super Visa insurance plans typically include:
- Emergency medical services
- Hospital stays and surgeries
- Physician visits and diagnostic tests
- Prescription medications (for emergencies)
- Ambulance services
- Repatriation of remains (in case of death)
Optional Add-Ons:
- Coverage for pre-existing medical conditions (if stable)
- Accidental death & dismemberment benefits
- Travel interruption or trip cancellation
It’s crucial to read the fine print, especially around exclusions and pre-existing condition clauses.
Who Needs Parent Super Visa Insurance?
Any parent or grandparent applying for a Super Visa must provide valid proof of insurance. This applies to each individual—so if both parents are visiting, each must have their own policy.
Even healthy individuals must purchase the insurance. No exceptions are made, regardless of age or current medical status.
How Much Does Parent Super Visa Insurance Cost?
Super Visa insurance cost depends on several factors:
- Age of the applicant
- Presence of pre-existing conditions
- Coverage amount ($100,000 to $300,000)
- Length of the policy
- Deductible (lower deductible = higher premium)
- Insurance provider
Average Annual Cost (for $100,000 coverage):
Ages 50–60
Ages 60–70
Ages 70–80
With pre-existing condition coverage: Add 25–50%
Tip: Plans with higher deductibles tend to have lower premiums, but may result in more out-of-pocket costs during emergencies.
Can You Pay Monthly?
Some insurers offer monthly payment plans, but IRCC requires proof that the full year is paid in advance. In many cases, insurers offer monthly refund options—meaning you pay for the full year upfront, but can get a refund for any unused months if your parent leaves early or the visa is denied.
Where to Buy Super Visa Insurance
You must purchase the policy from a Canadian insurance provider. Reputable companies offering parent Super Visa insurance include:
| Provider | Key Feature |
| Manulife | Wide coverage, online quotes |
| Tugo | Competitive for seniors |
| Blue Cross | Trusted brand, excellent support |
| Allianz | Global network, solid service |
| GMS | Good value for budget-conscious |
How to Compare Plans:
- Use online comparison tools
- Get quotes from multiple insurers
- Check refund policies and claim reviews
- Look for customer service accessibility
Can You Cancel the Policy?
Yes. Most providers allow cancellation and full refunds if:
- The Super Visa is denied
- The visitor leaves Canada early
- The policy is unused and unclaimed
Always confirm the cancellation policy before purchasing to avoid surprises.
How to Choose the Right Super Visa Insurance
Here are tips to make a smart decision:
✅ Confirm Coverage Meets IRCC Requirements
Don’t assume travel insurance qualifies—it must meet Super Visa-specific standards.
✅ Consider Health History
If your parent has a pre-existing condition, ensure the policy covers it and that it meets the stability period (typically 90–180 days).
✅ Choose the Right Deductible
A lower deductible means more coverage but a higher premium. Higher deductibles save money upfront but can increase financial exposure in emergencies.
✅ Ask About Customer Service
Choose a company with 24/7 support and a reputation for fast claims processing.
FAQs About Parent Super Visa Insurance
Q1. Is Super Visa insurance refundable if the visa is denied?
Yes, most insurers offer 100% refunds if you provide proof of visa denial and haven’t used the policy.
Q2. Do both parents need separate policies?
Yes. Even if applying together, each individual must be insured separately.
Q3. Can the insurance be renewed if my parents stay longer?
Yes. You can extend or renew coverage if your parent’s stay is extended.
Q4. Can I buy insurance from outside Canada?
No. The policy must be purchased through a Canadian insurance provider, even if you’re living abroad.
Final Thoughts
Getting the right parent Super Visa insurance is a vital part of the application process—and your family’s safety net while your loved ones are in Canada. It’s not just a formality; it’s protection against unexpected medical emergencies and peace of mind for everyone involved.
By understanding your options, comparing plans, and ensuring compliance with IRCC requirements, you can simplify the process and ensure your parents or grandparents have a safe and secure visit.
