Rates depend on age, coverage amount, deductible, and pre-existing conditions. Here are typical monthly ranges for a healthy applicant with $100,000 IRCC-compliant coverage:
Under 60
~$80–$150/mo
$100,000 coverage · healthy applicant
60–70 Years
~$150–$260/mo
$100,000 coverage · stable health
70+ Years
~$260–$450+/mo
Varies by health history & deductible
These are estimates only. Higher deductibles can significantly reduce your premium. Contact me for an accurate quote.
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Same-day approval — policy issued and emailed within hours of your request.
Frequently Asked Questions
Can I buy Super Visa insurance before the visa is approved?
Yes — and it's recommended. You need proof of insurance to include in your Super Visa application. Many insurers offer refundable policies if the visa is denied.
What if my parent has pre-existing conditions?
Several carriers offer coverage that includes stable pre-existing conditions. The definition of "stable" varies by provider — I'll help you find the right fit for your parent's specific health history.
Can the policy be cancelled if they return home early?
Yes. Most policies offer a pro-rated refund if your parent returns home before the policy expires, as long as no claims have been made.
What does the insurance cover?
Emergency hospitalization, doctor visits, ambulance, prescription drugs during emergencies, and repatriation. Some plans also cover dental emergencies and vision care.
Can I pay for Super Visa insurance monthly?
Yes. Several top plan providers allow monthly payment for Super Visa Insurance, making it easier to manage your family's budget. Ask me which providers offer the best monthly plan terms.
Is Super Visa insurance refundable if the visa is denied?
Super Visa insurance is typically fully refundable if the visa application is denied. Many providers also offer a refund for any unused portion if your parents return home early before the policy expires, provided no claims have been made.
What is the new Super Visa rule about length of stay?
As of 2022, the Super Visa allows applicants to stay in Canada for up to five years per visit, extended from the previous two-year maximum. The visa itself can be valid for up to ten years with multiple entries.
Can parents work on a Super Visa?
No. Parents and grandparents holding a Super Visa are not permitted to work in Canada. The Super Visa is specifically designed for extended family visits and does not grant any authorization for employment or business activities.
Who needs Visitor to Canada Emergency Medical Insurance?
Any visitor not covered by the Canadian healthcare system — including tourists, family and friends of residents, business travelers, international students, and Super Visa applicants — should have emergency medical insurance while in Canada.
What happens if I don't have insurance?
Without coverage, visitors are personally responsible for all medical costs in Canada, which can be extremely high for non-residents. For Super Visa applicants, proof of insurance is mandatory — the visa will not be issued without it.
