How Much Is Medical Insurance for Super Visa?
The Super Visa program allows parents and grandparents of Canadian citizens and permanent residents to visit Canada for extended periods — up to two years at a time. One of the mandatory requirements for this visa is to have valid medical insurance. But how much is Super Visa insurance? What determines the cost, and how can you save on your premium?
We’ll walk you through the typical prices, influencing factors, and tips to get the best value for your money.
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How Much Is Super Visa Insurance Per Month or Year?
Typically, Super Visa insurance costs range between $76 to $250 per month, or $922 to $2,500 annually. The actual cost depends on your applicant’s age, health, coverage amount, and deductible level.
Insurance is required for a minimum of one year and must cover:
- A minimum of $100,000 in emergency medical coverage
- Return of remains in the event of death
- Hospitalization, diagnostics, and repatriation
Many applicants opt for higher coverage amounts (like $150,000 or $300,000) for greater protection.
What Affects the Cost of Super Visa Insurance?
Several factors impact the final premium of a Super Visa insurance policy. Here’s what matters most:
- Applicant Age: Older travelers generally have higher premiums due to increased health risks.
- Medical History: Coverage for pre-existing conditions (especially unstable ones) can raise costs or require specialized plans.
- Coverage Duration: While one year is the minimum, you can purchase longer terms for better rates.
- Deductible Amount: Choosing a higher deductible can lower your premium significantly — though you’ll pay more out-of-pocket if a claim is made.
💡 Tip: If your parents are in good health and under 70, you may qualify for better rates and discounts.
Example Quotes for Super Visa Insurance
Here’s a table showing average annual costs based on real quotes:
| Age | Pre-Existing Conditions | Coverage ($100,000) | Estimated Annual Premium |
|---|---|---|---|
| 45 | No | Yes | $850–$1,000 CAD |
| 65 | Yes (stable) | Yes | $1,200–$1,700 CAD |
| 78 | No | Yes | $2,000–$2,400 CAD |
| 82 | Yes | Yes | $2,500–$3,200 CAD |
*These are average prices. Actual premiums vary by provider, health status, and deductible options.
How to Find the Best Super Visa Insurance Rates
Here’s how you can find affordable, comprehensive coverage without compromising on protection:
- Compare quotes from multiple insurance providers.
- Use a licensed advisor who understands Super Visa requirements and can customize policies to your needs.
- Ask about discounts for couples or healthy applicants.
- Look for flexibility — some providers offer refund options if the visa is denied or travel is canceled.
At SSJ Financial, we make this process simple and transparent.
Conclusion: How Much Is Super Visa Insurance?
To summarize: How much is Super Visa insurance? Expect to pay anywhere between $800 and $2,500 annually, depending on the applicant’s age, health, and coverage needs. It’s an essential investment that ensures your loved ones are protected while visiting Canada.
👉 Ready to get a personalized quote? We can help you choose the right plan.
Get My Super Visa Insurance Quote
For more detailed information and to get a quote, visit SSJ Financial.
I am always happy to provide free, no-obligation insurance quotes, consultations, or second opinion on your current policy. Please feel free to reach out!
Swinder Jodhka
Broker, SSJ Financial Services
416-825-3091
