Canada’s Super Visa program allows parents and grandparents of Canadian citizens or permanent residents to visit for extended periods. However, obtaining a Super Visa requires purchasing medical insurance. If you’re wondering about the Super Visa insurance cost, this guide will help you understand the factors affecting the price, how to get the best Super Visa insurance rates, and where to find a Super Visa insurance quote in Canada.
What is Super Visa Insurance?
Super Visa insurance is a mandatory medical insurance policy that covers emergency health care, hospitalization, and repatriation for Super Visa holders in Canada. The policy must be valid for at least one year and cover at least $100,000 in medical expenses.
How Much Does Super Visa Insurance Cost in Canada?
The Super Visa Insurance Cost varies based on several factors, including age, medical history, coverage amount, and the insurance provider. On average, the Super Visa insurance Canada price ranges from $900 to $2,500 per year per person.
Factors Affecting Super Visa Insurance Cost
- Age of the Applicant – Older applicants generally pay higher premiums as they are at a higher risk of medical conditions.
- Health Condition – Pre-existing medical conditions may increase the cost of insurance.
- Coverage Amount – The minimum required coverage is $100,000, but choosing a higher coverage amount (e.g., $200,000 or $300,000) increases the premium.
- Policy Duration – A one-year policy is required, but if you extend it, the cost may increase.
- Insurance Provider – Different insurers offer varying rates and discounts.
- Deductibles – Choosing a higher deductible can lower the premium cost but will require more out-of-pocket expenses during a medical emergency.
Comparing Super Visa Insurance Quotes
To find the best deal, it’s essential to compare Super Visa insurance quotes from multiple providers. Many insurance companies in Canada offer competitive rates, and obtaining quotes online can help you make an informed decision. Some of the leading providers include:
- Manulife
- Sun Life
- Blue Cross
- Allianz
- RSA Travel Insurance
Best Super Visa Insurance Rates in Canadian Cities
Since Super Visa applicants come from all over the world to visit their families in Canada, it’s helpful to look at regional differences in Super Visa insurance cost. Here’s what you can expect in some major cities:
1. Toronto, Ontario
- Average Cost: $1,100 – $2,300 per year
- Large immigrant population and a competitive insurance market
2. Vancouver, British Columbia
- Average Cost: $1,200 – $2,500 per year
- Higher cost of living may reflect in slightly higher insurance premiums
3. Calgary, Alberta
- Average Cost: $1,000 – $2,200 per year
- Several insurance options available with competitive pricing
4. Montreal, Quebec
- Average Cost: $900 – $2,000 per year
- Some insurers may offer French-language support and lower rates
5. Winnipeg, Manitoba
- Average Cost: $950 – $2,100 per year
- Affordable insurance plans available due to a growing demand
How to Get the Best Super Visa Insurance Rates
- Compare Multiple Providers – Use online tools to compare Super Visa insurance quotes from different insurers.
- Choose Higher Deductibles – Opting for a deductible of $500 or $1,000 can significantly lower your premium.
- Buy Long-Term Policies – A one-year policy usually costs less than buying insurance month-by-month.
- Look for Discounts – Some insurers offer discounts for family policies or early renewals.
- Consider Pre-Existing Condition Coverage – If applicable, ensure the policy covers pre-existing conditions to avoid unexpected expenses.
Where to Buy Super Visa Insurance in Canada?
Several insurance providers and brokers specialize in Super Visa medical insurance. You can purchase a policy online, through a licensed insurance broker, or directly from an insurance company. Here are some recommended ways to get started:
- Online Insurance Portals – Websites like Kanetix, Rates.ca, and InsuranceHotline allow you to compare quotes instantly.
- Licensed Brokers – They can help you find the best plan based on your specific needs.
- Directly from Insurance Companies – If you have a preferred insurer, you can buy directly from their website or office.
Frequently Asked Questions About Super Visa Insurance
1. Is Super Visa insurance refundable?
Yes, if your Super Visa application is denied, most insurers offer a full refund, provided the policy has not been used.
2. Can I pay for Super Visa insurance monthly?
Some insurers offer monthly payment plans, but full upfront payment is generally required to meet Super Visa requirements.
3. What happens if the policy expires?
If your stay extends beyond the policy period, you must renew the insurance before expiry to maintain coverage.
4. Does Super Visa insurance cover COVID-19?
Most policies now include coverage for COVID-19-related medical expenses, but it’s best to confirm with your insurer.
Final Thoughts
Getting the right Super Visa insurance Canada price is crucial for a stress-free visit. By comparing quotes, choosing the right coverage, and considering cost-saving options, you can secure the best insurance at an affordable rate. Whether you’re in Toronto, Vaughan, Vancouver, Calgary, Montreal, or Winnipeg, finding the right policy ensures peace of mind for both visitors and their families. Are you looking for Super Visa medical insurance? Compare quotes today and get the best deal for your loved ones!