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Parents and grandparents on the super visa program need the right travel medical insurance.

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What is a super visa?

A super visa allows parents and grandparents of Canadians (and Canadian permanent residents) to visit relatives in Canada for up to two years without needing to renew their status. The visa is valid for 10 years and allows multiple re-entries into Canada.

What is super visa insurance?

Canada’s famous free healthcare system does not extend to visitors from other countries, so having the right emergency health insurance is vital to ensuring a visitor’s time in Canada is safe and worry-free. With super visa health insurance, visitors can benefit from Canada’s healthcare system without having to pay for most medical appointments and procedures out of pocket.

In fact, having sufficient travel insurance is a legal requirement for all super visa applicants. The applicant will need to provide proof that they have valid emergency medical insurance for at least one year with minimum coverage of $100,000. This requirement is to insulate visitors from potentially crippling health care costs in the event they need medical treatment in Canada.

Many insurers now offer super visa insurance, which is a type of travel insurance policy, specifically designed for super visa applicants. It helps pay for health care, prescription drugs, hospital stays, and repatriation. Super visa insurance policies typically provide $100,000 to $1 million in coverage.

You can compare super visa insurance quotes from Canada’s top insurance providers on RATESDOTCA. We’ll show you multiple rates in one place, enabling you to compare coverage and pricing.

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Frequently asked questions about super visa insurance in Canada

Who needs super visa insurance?

If you are applying for a super visa, you need super visa insurance. A super visa insurance policy will ensure you have the minimum insurance coverage required by law in order for your application to be processed. If you are visiting family in Canada for less than six months, a visitor visa is more appropriate than a super visa. If this is the case, consider Visitors to Canada insurance instead.

Is super visa insurance mandatory?

Yes, in order to get a super visa, applicants must prove they have Canadian health insurance coverage that meets the standards set forth by the Canadian government. Foreign visitors are not covered by provincial healthcare plans such as the Ontario Health Insurance Plan (OHIP), Alberta Health Care Insurance Plan (AHCIP), Régie de l'assurance maladie du Québec (RAMQ) or any others, so health insurance is a legal requirement for super visa applicants.

Of course, we hope you never need any serious treatments, but even relatively minor medical attention can cost thousands of dollars. According to the Canadian Institute for Health Information, the average cost of a hospital stay in Canada is $7,000.

As you can imagine, medical expenses can add up quickly without adequate insurance coverage. Super visa insurance ensures the recipient has enough financial protection to cover medical treatments during their time in Canada.

What does super visa insurance cover?

Every policy is slightly different, but most insurers provide coverage for:

  • Emergency medical expenses
  • Routine doctor’s fees
  • X-rays
  • Prescription drugs
  • Emergency dental

You can choose to pay more for additional coverage if you believe your personal circumstances warrant it or you want more robust coverage while you’re in Canada.

Another great thing about super visa insurance policies is they allow for multiple re-entries into Canada, so the applicant can return home multiple times if they choose.

Are pre-existing conditions covered by super visa insurance?

It really depends on the specifics of your pre-existing condition. When completing a quote, you will be asked to note any pre-existing conditions. This ensures the quotes you receive are accurate as some insurers may charge more for certain conditions, or may exclude them from coverage. Once you have selected a quote, you will have the opportunity to speak with a representative from the insurance company you have chosen. They can assist you with any questions about you pre-existing conditions, and can help modify the coverage if necessary to ensure you get protection you’re comfortable with.

How much super visa insurance coverage should I get?

The amount of super visa coverage you need depends on the length of your stay, and the financial security needed in the event of an accident or illness.

The minimum coverage required by law is $100,000, but many applicants opt for a higher amount, often as much as $1 million. Emergency healthcare costs can quickly run into thousands of dollars. The peace of mind offered by a robust super visa insurance policy makes it a popular investment.

How much does super visa insurance cost?

The average super visa insurance cost for one person travelling to Canada for one year is between $100 and $200 dollars per month, but it varies a lot. For couples, purchasing insurance together will be cheaper than two individual policies.

Insurance companies take the same factors into consideration when writing your policy, but they evaluate risk differently which is why prices can vary between providers. Super visa insurance rates are based primarily on:

  • Applicant age
  • Applicant health history
  • The deductible amount
  • The policy length
  • The amount of coverage

Use our quick comparison tool to compare quotes and find out how much super visa insurance costs for you.

Can I apply for a super visa insurance policy on behalf of my visiting family?

We understand that not all parents and grandparents are comfortable online or they may not be fluent in English. You can absolutely apply for a super insurance policy on a relative’s behalf as long as you provide their details.

Does super visa health insurance provide coverage for travel to countries other than Canada?

Super visa insurance policies often provide some coverage for travel outside of Canada, as long as:

  • The destination is not the applicant’s home country.
  • The trip begins and ends in Canada.
  • The duration of the trip does not exceed a specific number of days, and is no greater than 50% of the coverage period.

Of course, all insurance policies are different, so read up on the terms of your preferred insurance policy before buying anything.

What happens if the super visa is denied or my family leaves sooner than planned?

If your super visa is denied, the insurance company will refund 100% of your money. If the super visa is approved but the visitor decides to leave Canada within the first year, and has been claim-free until that point, a prorated refund is typically available.

When does super visa insurance coverage begin?

Super visa insurance is effective the moment the visitor arrives in Canada. If plans change, you can usually change the start date before the coverage begins by contacting your provider.

Do I have to use a Canadian company to buy super visa insurance?

One of the legal requirements of super visa insurance is that the provider is a Canadian insurance company. This is beneficial to the applicant as Canadian companies understand the Canadian healthcare system and make for an efficient claims process.

What are the super visa requirements?

To be eligible for a super visa:

  • You must be the parent or grandparent of a Canadian citizen or Canadian permanent resident.
  • Your Canadian relative will have to write a letter promising to provide financial support for you during your stay.
  • Your relative will be asked to show the necessary minimum income and provide a copy of their Canadian passport or PR Card.
  • You will be required to take a medical exam to show you are medically admissible into Canada.
  • You must prove that you have sufficient medical insurance from a Canadian insurance company.

At minimum, your super visa insurance policy must:

  • Be valid for at least one year from the time you arrive in Canada.
  • Provide at least $100,000 coverage.
  • Cover emergency medical care, hospitalization and repatriation.
  • Be valid and available for review by an immigration official each time you enter Canada.
Compare super visa insurance on RATESDOTCA

Use RATESDOTCA to compare super visa insurance costs from Canadian insurance companies. It only takes a few minutes to find a great rate.

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