If you’re inviting your parents or grandparents to visit you in Canada for an extended stay under the Super Visa program, it’s crucial to understand what is covered under Super Visa Insurance. This special type of travel medical insurance is mandatory for Super Visa applicants and offers protection against unexpected medical emergencies while visiting Canada.
In this comprehensive guide, we’ll explore the scope of Super Visa Insurance coverage, what it includes and excludes, how it works, and how to choose the best policy. If you’re currently researching or comparing options, this article will give you all the information you need to make an informed decision.
What Is Super Visa Insurance?
Super Visa Insurance is a mandatory travel health insurance policy that covers medical emergencies for parents and grandparents visiting their children or grandchildren in Canada under the Super Visa program. The Immigration, Refugees and Citizenship Canada (IRCC) requires this coverage as part of the visa application to ensure that visitors are financially protected in case of a health emergency during their stay.
Learn more: What is Super Visa Insurance?
What Is Covered Under Super Visa Insurance?
A standard Super Visa Insurance plan typically covers the following key areas:
1. Emergency Medical Care
This is the core feature of the insurance and includes:
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Hospitalization (semi-private room)
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Emergency room services
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Intensive care unit (ICU) costs
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Physician and surgeon fees
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Diagnostic tests (X-rays, MRIs, blood work)
2. Prescription Medications
Coverage typically includes prescription drugs administered during emergencies or following hospitalization, usually up to a set dollar limit or time frame (e.g., 30 days per prescription).
3. Emergency Dental Treatment
Some plans offer coverage for:
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Accidental injury to natural teeth (up to $3,000–$5,000 depending on the insurer)
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Relief of dental pain (limited benefit, usually $300–$500)
4. Ambulance Services
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Ground and air ambulance transportation to the nearest appropriate medical facility
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Paramedic and emergency response fees included
5. Repatriation & Return of Remains
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If the insured person passes away in Canada, the insurance covers the cost of returning their remains to their home country
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Cremation or burial services in Canada (up to a limit)
6. Follow-up Visits and Aftercare
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Follow-up medical appointments related to the emergency
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Rehabilitation, therapy, or continued care (limited time frame)
7. Medical Evacuation
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Covers the cost of returning the visitor home for medical treatment if recommended by attending physicians and the insurance provider
Optional Add-Ons (May Vary by Provider)
Some Super Visa Insurance plans allow for additional benefits, such as:
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Coverage for pre-existing conditions (if stable for a specified period, such as 90 or 180 days)
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Trip interruption insurance
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Accidental death & dismemberment
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Vision or hearing emergencies
What Is Not Covered Under Super Visa Insurance?
It’s equally important to know what isn’t covered. Common exclusions include:
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Routine health check-ups
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Ongoing treatment for chronic conditions
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Pre-existing conditions not declared or unstable
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Injuries from high-risk sports or illegal activities
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Mental health treatment (in many plans)
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Pregnancy-related care beyond emergency stabilization
✅ Tip: Always read the policy wording and look for the “stability clause” for pre-existing condition coverage.
Super Visa Insurance Coverage Requirements (as per IRCC)
According to IRCC, the policy must:
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Be valid for at least 1 year from the date of entry
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Provide minimum coverage of $100,000
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Be issued by a Canadian insurance company
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Include coverage for healthcare, hospitalization, and repatriation
Read full requirements here: Minimum Coverage Requirements for Super Visa
Best Super Visa Insurance Providers in Canada (2025)
We recommend comparing policies from:
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Manulife Super Visa Insurance
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Travelance Super Visa Insurance
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GMS (Group Medical Services)
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TuGo
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Allianz
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RIMI Insurance
Each offers different benefits and deductibles. Some even provide monthly payment plans to make premiums more manageable.
Compare providers: Best Insurance Companies for Super Visa
How Much Does Super Visa Insurance Cost?
Super Visa Insurance premiums depend on:
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Age of the applicant
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Duration of stay
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Level of deductible
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Pre-existing conditions
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Selected coverage amount (e.g., $100,000 vs. $150,000)
Average yearly costs:
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Age 45–55: CAD $800–$1,200
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Age 56–70: CAD $1,200–$1,800
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Age 71–85: CAD $1,800–$3,000+
Need help estimating your cost? Use our free cost calculator:
Super Visa Insurance Calculator
FAQs
1. Is dental care covered under Super Visa Insurance?
Yes, but only for emergencies. Coverage usually includes accidental damage to natural teeth or sudden dental pain, with specific limits.
2. Does Super Visa Insurance cover routine check-ups or doctor visits?
No. Routine health exams, chronic disease management, and non-emergency doctor visits are not covered.
3. Can I get coverage for pre-existing conditions?
Yes, if the condition has been stable for a defined period (90–180 days). Be sure to read the stability clause before purchasing.
4. What if my parents return to their home country early?
Most insurers offer pro-rated refunds for unused time, provided no claims have been made.
5. Can I pay for Super Visa Insurance monthly?
Yes. Many insurers now offer monthly payment plans for Super Visa applicants. Learn more here: Super Visa Monthly Plans
Final Thoughts
Knowing what is covered under Super Visa Insurance ensures peace of mind for both the applicant and their family in Canada. From emergency medical care and hospitalization to repatriation and prescriptions, the insurance is designed to protect your loved ones during their stay. As IRCC continues to emphasize the importance of health protection, choosing the right policy is not just a legal requirement—it’s a smart decision.
Ready to compare policies?
Start here https://supervisainsurancecost.ca