Welcoming your parents or grandparents to Canada for a long-term visit is a dream come true for many immigrant families. Thanks to Canada’s Super Visa program, this is now easier than ever. But before your loved ones can pack their bags, there’s one essential requirement you must understand — parent Super Visa insurance.
In this article, we’ll walk you through everything you need to know about Super Visa insurance, including why it's needed, how it works, costs, what to look for, and how to buy the right policy.
What Is Super Visa Insurance?
Super Visa insurance is a mandatory medical insurance policy required for parents and grandparents applying for a Super Visa to visit their children or grandchildren in Canada.
Unlike a regular visitor visa, the Super Visa allows eligible applicants to stay in Canada for up to 5 years at a time, with multiple entries over 10 years. However, to qualify, applicants must show proof of private medical insurance — this is where Super Visa insurance comes in.
Why Is Super Visa Insurance Necessary?
Canada's public healthcare system does not cover temporary visitors. Without insurance, a hospital visit or medical emergency could result in huge out-of-pocket expenses, sometimes reaching tens of thousands of dollars.
That’s why the Canadian government requires that Super Visa applicants have valid, private insurance — to:
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Ensure access to healthcare during their stay
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Prevent financial strain on the healthcare system
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Protect families from unexpected medical costs
In short, parent Super Visa insurance is a financial and legal necessity.
Super Visa Insurance Requirements
To be eligible, the insurance policy must meet the following criteria:
✅ Minimum coverage of $100,000 CAD
✅ Coverage must include healthcare, hospitalization, and repatriation
✅ Must be valid for at least one year
✅ Issued by a Canadian insurance provider
✅ Proof of payment in full is required (no quotes or unpaid policies)
What Does Super Visa Insurance Cover?
Super Visa insurance typically includes:
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Emergency medical services
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Hospitalization
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Ambulance and diagnostic services
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Repatriation (return to home country in case of death or severe illness)
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Prescription drugs during emergencies
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Emergency dental care (in some policies)
⚠️ Note: Routine check-ups, elective procedures, and pre-existing conditions may not be covered unless specifically included.
How Much Does Parent Super Visa Insurance Cost?
The cost of parent Super Visa insurance depends on several factors:
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Age of the insured person
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Coverage amount
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Duration of the policy
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Health condition and history
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Whether the policy includes pre-existing condition coverage
Key Features to Look For in Parent Super Visa Insurance
When choosing the right parent Super Visa insurance, keep the following in mind:
✅ Coverage for Pre-existing Conditions
If your parent has diabetes, blood pressure, or other chronic conditions, make sure the policy includes a clause for stable pre-existing conditions.
✅ Refund Policy
Look for flexible plans that offer partial refunds if:
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The visa application is rejected
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The visitor leaves Canada earlier than planned
✅ Deductible Options
Many insurers offer deductible options from $0 to $10,000 CAD. Lower deductibles mean higher premiums, and vice versa.
✅ Reputable Insurance Provider
The insurance must be from a Canadian provider recognized by IRCC (Immigration, Refugees and Citizenship Canada).
Documents Required to Apply for Super Visa
When applying for a Super Visa, you'll need to submit:
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A copy of the insurance policy certificate
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Proof of payment (a receipt or confirmation)
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Letter of invitation from your child/grandchild in Canada
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Proof of the inviter’s Canadian citizenship or permanent residency
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Proof of minimum income requirement (via Notice of Assessment, T4, or employment letter)
The visa application may be rejected if your insurance is not fully paid and valid for a year from your intended arrival date.
How to Buy Super Visa Insurance
Getting parent Super Visa insurance is easier than you might think. Here’s how:
Step 1: Compare Quotes Online
Use Super Visa insurance comparison platforms or go directly to insurance company websites to compare policy options.
Step 2: Select Your Coverage
Choose the appropriate:
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Coverage amount
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Deductible
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Duration
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Pre-existing condition clause (if needed)
Step 3: Apply Online or by Phone
You can apply directly through the insurer or with help from a licensed insurance broker.
Step 4: Pay and Receive Documents
Make full payment and receive the insurance certificate and receipt — both are required for the Super Visa application.
Trusted Canadian Super Visa Insurance Providers
Here are some reputable Canadian insurers that specialize in Super Visa coverage:
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Manulife Financial
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Sun Life
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Tugo
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Travelance
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GMS (Group Medical Services)
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Blue Cross
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21st Century Travel Insurance
These providers offer different plans, so it's worth comparing to find the right fit for your family’s needs and budget.
Final Thoughts
Super Visa insurance is not just a bureaucratic step — it's your parents’ lifeline in Canada. It ensures that your loved ones are protected, your finances are secure, and your visa application meets all immigration requirements.
When buying parent Super Visa insurance, don’t rush the process. Take the time to understand what’s covered, compare multiple policies, and work with a trusted Canadian insurer. A little extra attention today can save you thousands tomorrow — and give your family the peace of mind they deserve during their stay.
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