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06/05/2025
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Schedule a Meeting!Bringing your parents or grandparents to visit you in Canada under the Super Visa program is a wonderful way to spend extended time with family. But before the application process can begin, one critical requirement must be met: Super Visa Insurance for Parents and Grandparents. This type of insurance isn’t just paperwork, it’s a way to ensure that your loved ones are protected in case of medical emergencies while visiting Canada. In this guide, we’ll explain everything you need to know about insurance for Super Visa Canada: what it is, how much it costs, what it covers, and how to avoid common mistakes.
Canadian Medical Insurance coverage for Super Visa is mandatory for anyone applying for a Super Visa to Canada. The Super Visa allows parents and grandparents of Canadian citizens or permanent residents to visit for up to five years at a time, with multiple entries permitted over a ten-year period.
To protect both super visa holders and the Canadian healthcare system, the Canadian government requires private medical insurance for Super Visa Canada.
This Private medical Insurance for Super Visa Canada is designed to cover emergency medical services for super visa holders. Coverage typically includes:
Coverage details vary by policy and provider, so it’s important to read the terms carefully.
The cost of Super Visa Insurance For Parents and Grandparents varies based on several important factors. These include the age of the applicant, any pre-existing health conditions, the coverage amount, and the deductible selected, where choosing a higher deductible can help reduce the monthly premium. Additionally, the type of plan you select matters: basic plans generally offer essential coverage, while enhanced plans include extras like coverage for stable pre-existing conditions or additional benefits. On average, premiums start at around $75 per month for a healthy person under the age of 60. While this may seem like another expense, it is a relatively small cost compared to the potentially high out-of-pocket expenses for medical care in Canada.
To meet the Government of Canada’s guidelines, your private medical Insurance for super visa Canada must:
Important: A quote is not sufficient. You must submit proof of purchase or a deposit confirmation with your visa application.
As the sponsor, you will need to:
The applicant (your parent or grandparent) must:
There is no one-size-fits-all policy. The best plan depends on the visitor’s age, medical history, and budget. Here are the main types:
Cover essential emergency services
May include emergency dental and COVID-related care
Often cover pre-existing conditions and accidental injury
Look for a provider with strong customer support and fast claim processing. We recommend choosing a Canada-based company familiar with our healthcare system.
Many Super Visa insurance policies offer helpful features such as partial refunds if your visitor leaves Canada early and full refunds if the visa is denied. Additionally, most plans provide coverage throughout Canada, so there is no need to purchase multiple policies if your visitor will be traveling between provinces. However, these features are not always included by default, so it’s important to confirm the details with the insurance provider before making a purchase.
Super Visa Insurance for Parents and Grandparents is more than just a government requirement, it’s a vital safeguard for your family’s health and finances. By choosing the right policy, you’ll gain peace of mind knowing that your loved ones are protected during their stay in Canada.
We help families across Canada find the most suitable insurance for Super Visa Canada, with personalized support, clear explanations, and competitive rates.
Reach out today, we’re here to help you make a wise choice.
Founder, Wiseconomy
Certified LLQP professional with years of experience helping individuals navigate Canada’s financial landscape, select bespoke insurance coverage, and create personalized investment strategies tailored to their unique goals, needs, and long-term financial well-being.
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Some insurance companies offer monthly payment plans. However, for your Super Visa application to be accepted, you must show proof of full payment or a confirmed deposit. Submitting only a payment plan or quote may lead to a visa refusal.
Not all plans include coverage for pre-existing medical conditions. Some policies cover stable pre-existing conditions, meaning the condition must have been under control and unchanged for a certain period (usually 90 to 180 days) before the trip. Always read the policy details carefully or speak with an advisor to confirm what’s included.
Most insurers offer a full refund of the premium if your Super Visa is denied, as long as:
Always check the insurer’s refund policy before purchasing.
Yes, you can. But it must be approved by the Government of Canada. Your insurance for Super Visa Canada must still meet following requirements:
If the foreign policy does not meet these conditions, your visa may be refused.
You should purchase the Canadian Medical Insurance coverage for Super Visa at the time of or just before submitting your Super Visa application. The policy must be valid from the planned date of entry into Canada and meet all IRCC requirements.
