Super Visa Insurance FAQs - Super Visa Insurance Cost

What is Super Visa Insurance?
Super Visa Insurance is a mandatory medical insurance policy required for parents and grandparents visiting Canada on a Super Visa. It provides coverage for healthcare, hospitalization, and repatriation.
Why is Super Visa Insurance mandatory for a Super Visa?
The Canadian government requires Super Visa applicants to have insurance to ensure they can cover medical expenses and avoid financial burdens on the healthcare system.
What is the minimum coverage required for Super Visa Insurance?
The insurance must provide at least $100,000 in coverage for healthcare, hospitalization, and repatriation and must be valid for at least one year.
Who needs to buy Super Visa Insurance?
Parents and grandparents applying for a Super Visa must purchase Super Visa Insurance before entering Canada.
Can I pay for Super Visa Insurance monthly?
Yes, some Canadian insurance providers offer monthly payment plans for Super Visa Insurance, but a lump sum payment is usually required before visa approval.

How much does Super Visa Insurance cost in Canada?
The cost varies based on age, health conditions, and coverage amount. On average, Super Visa Insurance costs between $800 to $2,500 per year per person.
What factors affect the cost of Super Visa Insurance?
The cost depends on age, coverage amount, deductible, medical history, and insurance provider. Older applicants and those with pre-existing conditions typically pay higher premiums.
Which insurance company offers the cheapest Super Visa Insurance?
Some of the most affordable providers include Manulife, Allianz, Blue Cross, and TuGo. Comparing quotes can help find the best deal.
How can I reduce my Super Visa Insurance cost?
- Choose a higher deductible
- Compare multiple providers
- Opt for an annual plan instead of monthly payments
Does Super Visa Insurance cost more for seniors over 70?
Yes, insurance premiums increase significantly for applicants above 70 years old, often exceeding $3,000 per year due to higher health risks.

Can I buy Super Visa Insurance from outside Canada?
No, the policy must be issued by a Canadian insurance provider to meet Super Visa requirements.
Can I use my home country’s health insurance for a Super Visa?
No, the insurance must be from a Canadian insurance company and meet IRCC requirements.
Is travel insurance the same as Super Visa Insurance?
No, regular travel insurance may not meet the Super Visa’s minimum coverage and validity requirements.
What happens if my Super Visa Insurance expires?
If your insurance expires, you must renew it immediately to maintain your legal status in Canada and ensure medical coverage.

Does Super Visa Insurance cover pre-existing conditions?
Some policies cover stable pre-existing conditions, but they come at a higher cost. Always check the terms before purchasing.
What does “stable pre-existing condition” mean for insurance?
A stable condition means no recent hospitalizations, medication changes, or symptoms worsening within a specified period (typically 6-12 months).
Do insurance providers reject Super Visa applicants with pre-existing conditions?
Some providers may decline coverage or charge higher premiums for applicants with severe pre-existing conditions.
How much extra does it cost for Super Visa Insurance with pre-existing conditions?
Costs can be 30-50% higher for policies that cover pre-existing medical conditions.
Can I get Super Visa Insurance without a medical exam?
Yes, most insurance providers do not require a medical exam, but you must disclose your medical history honestly.

How do I make a claim on my Super Visa Insurance?
Contact your insurance provider, provide medical receipts, and submit a claim form along with any supporting documents.
Can I get a refund on my Super Visa Insurance if my visa is denied?
Yes, most insurance providers offer full refunds if your Super Visa application is rejected before the policy starts.
Can I cancel my Super Visa Insurance if my parents leave Canada early?
Yes, you may qualify for a partial refund, but cancellation fees may apply.
Does Super Visa Insurance cover dental care?
No, dental care is not typically covered unless specified under an optional dental rider.
Does Super Visa Insurance cover prescription medications?
Some policies cover emergency medications, but routine prescriptions are generally not included.

Where can I buy Super Visa Insurance in Canada?
You can purchase insurance from providers like Manulife, Allianz, Blue Cross, RBC Insurance, and TuGo online or through brokers.
How early should I buy Super Visa Insurance?
Purchase insurance before submitting your Super Visa application, as proof of coverage is required for approval.
Can I renew my Super Visa Insurance annually?
Yes, you must renew your policy each year if your parents plan to stay longer in Canada.
Can I buy Super Visa Insurance online?
Yes, many Canadian insurance providers allow you to compare quotes and purchase policies online.
How do I choose the best Super Visa Insurance provider?
Consider: