Super Visa Insurance for Parents and Grandparents
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Inviting your parents and grandparents to visit you in Canada is a great chance to enjoy time together. To keep this visit safe and worry-free, the Canadian government needs Super Visa applicants to have valid insurance.
This insurance must come from a trusted Canadian company. This special health insurance plan protects against unexpected medical emergencies. It ensures that visitors to Canada get proper health care during their stay.
Why Super Visa Insurance Is Important
For parents and grandparents of a Canadian citizen or permanent resident, Super Visa insurance is not just a requirement. Important protection is necessary. Medical services in Canada can be expensive for visitors to Canada, and without emergency medical insurance, families may face high medical expenses.
Having a valid insurance plan is important. It ensures that we cover any emergency medical needs. This is especially important for your loved ones while they are in Canada.
What Super Visa Insurance Covers
A proper Super Visa insurance coverage plan typically includes:
- Emergency medical insurance for illness or injury
- Hospital stays and visits to the doctor.
- Prescription medications and diagnostic tests
- Repatriation means bringing back remains when a person is critically sick.
- Travel assistance and 24/7 emergency support
This coverage helps the grandparents of Canadian families. They can receive the health care and support they need while visiting.
Who Needs Super Visa Insurance
The Canadian government has rules for Super Visa applicants. This includes parents and grandparents of a Canadian citizen or permanent resident. They must buy medical insurance from a Canadian company.
This insurance is necessary prior to their application for a Super Visa. The policy must:
- Be valid for at least one year from the arrival in Canada
- Provide a minimum of $100,000 CAD in emergency medical insurance coverage
- Be issued by a licensed Canadian insurance company
These requirements ensure that visitors have continuous and sufficient protection while staying in Canada.
Benefits of Choosing the Right Insurance Plan
Selecting the right insurance plan makes the process smooth and stress-free. The best Super Visa insurance offers:
- Flexible coverage options and payment plans
- Quick confirmation for your visa application
- Responsive customer support and travel assistance
- Reliable coverage for all emergency medical situations
By getting complete Super Visa insurance, families can feel safe. They understand that high medical costs protect their loved ones.
How to Apply for a Super Visa Insurance Plan
Purchasing Super Visa insurance is a simple yet crucial part of the visa process. Here’s how you can get started:
- Compare insurance providers: Look for policies from reputable Canadian insurance companies that specialize in Super Visa insurance coverage.
- Check coverage options: Make sure the insurance plan has all the needed benefits. This includes emergency medical insurance, hospital stays, and travel help.
- Choose the right coverage limit: The minimum is $100,000 CAD, but many families choose higher limits for added peace of mind.
- Set your effective date: The policy must start before you arrive in Canada and stay valid for at least one year.
- Submit proof with your application: Include your health insurance policy certificate when you apply for a Super Visa.
Common Questions About Super Visa Insurance
Do all parents and grandparents need Super Visa insurance?
Yes. The Canadian government requires all Super Visa applicants. This includes the parents and grandparents of a Canadian citizen or permanent resident. They must buy medical insurance from a Canadian insurance company before applying.
Can I buy insurance after arriving in Canada?
No. The insurance must be active from the date of arrival in Canada. You need to show proof of valid coverage when submitting your Super Visa application.
What happens if they deny the visa?
Most insurers provide a full refund if you receive a visa denial before the policy’s effective date. Always confirm refund terms with your provider.
How long should the insurance coverage last?
The Super Visa insurance coverage must last for at least one year, even if your visit is shorter. You can renew it later if your stay extends.
Does the insurance cover routine checkups?
No, Super Visa insurance generally covers emergency medical situations, not routine visits or elective procedures.
Refund Policy
If your Super Visa application is rejected, we guarantee a 100% refund of your insurance premium—no questions asked. Simply send us the visa refusal letter within the required time frame.
Benefits of Having Super Visa Insurance
1. Financial Protection
Without insurance, even minor medical expenses in Canada can be costly. A single emergency room visit can easily exceed $2,000 CAD. With Super Visa insurance, you protect your parents and grandparents against unexpected medical costs.
2. Peace of Mind
Knowing that your family has emergency medical insurance is reassuring. It provides peace of mind for both the visitor and the host family. Whether it’s a sudden illness or an accident, they can access quality health care immediately.
3. Easy Super Visa Approval
A valid insurance plan is mandatory to apply for a Super Visa. Submitting proof of coverage from a Canadian insurance company increases your chances of quick visa approval.
4. Access to 24/7 Travel Assistance
Most insurance companies provide travel assistance services. These include help lines in different languages, medical coordination, and support for hospital admissions. This ensures smooth care during stressful times.
5. Refund Options
If the authorities deny a Super Visa application, you may receive a refund. Some insurers provide a full or partial refund. This also applies if your travel plans change before the policy starts. This makes purchasing medical insurance from a Canadian insurance company flexible and risk-free.
Choosing the Right Insurance Company in Canada
When choosing Super Visa insurance, it’s important to pick a reliable Canadian insurance company. They should understand the needs of Super Visa applicants. Look for companies that:
- Are licensed and regulated in Canada
- Offer multiple insurance plan options with flexible payment terms
- Have strong customer support and quick claim processing
- Provide easy access to health care networks across Canada
Always read the fine print of your Super Visa insurance coverage to understand exclusions, deductibles, and renewal options.
Tips for Saving Money on Super Visa Insurance
- Compare multiple quotes from different Canadian insurance companies before making a decision.
- Bundle plans for both parents and grandparents if they are traveling together — many providers offer family discounts.
- Choose a deductible option that lowers your premium while still keeping you protected.
- Purchase coverage in advance — early buyers often qualify for better rates.
Smart planning covers your loved ones affordably and efficiently while they stay in Canada.
Real-Life Example
A visitor who suffers a heart attack or severe fall may need hospitalization, surgery, and rehabilitation. Without insurance, total bills can exceed $100,000—and you, the host or sponsor, may be responsible for paying it.
Estimated Medical Costs Without Super Visa Insurance (2025)
| Medical Service | Typical Cost (CAD) |
|---|---|
| Emergency Room Visit | $1,000 – $4,000 |
| Hospital Stay (per day) | $3,000 – $5,000 |
| ICU (per day) | $5,000 – $10,000+ |
| Surgery (e.g., appendectomy) | $15,000 – $30,000+ |
| MRI or CT Scan | $1,500 – $3,000 |
| Ambulance Ride | $500 – $1,000+ |
| Prescription Medications (monthly) | $100 – $500+ |
| Doctor/Consultation Fees | $150 – $300 |
Peace of Mind with Insurance
- Cover all the above expenses
- Provide 24/7 emergency support
- Protect your family’s finances and well-being
Compare Rates from Canada's Top Insurance Providers
We help you find the best rates and coverage options from the most trusted names in Canadian health insurance:
| Provider | Coverage | Pre-existing | Refund Policy | Monthly Payment Plan |
|---|---|---|---|---|
| Manulife | $100k – $300k | Yes | Full Refund | Yes |
| RIMI | $100k – $300k | Yes | Full Refund | Yes |
| Travelance | $100k – $300k | Yes | Full Refund | Yes |
| 21st Century | $100k – $300k | Limited | Full Refund | No |
| GMS | $100k – $300k | Yes | Full Refund | No |
What Does Super Visa Medical Insurance Cover?
Super Visa Medical Insurance can take care of most treatment expenses—and more. Here’s a list of covered services:
- ✔ Hospital accommodation
- ✔ Nursing care
- ✔ Ambulance services
- ✔ Surgeries
- ✔ Emergency dental repair
- ✔ Diagnostics and X-rays
- ✔ Follow-up treatment
- ✔ Medical appliances (rental/purchase)
- ✔ Companion accommodation
2025 Low Income Cut-Offs (LICO) – Before Tax
| Family Size | Rural (<30k) | Small Urban (30–99k) | Medium Urban (100–499k) | Large Urban (500k+) |
|---|---|---|---|---|
| 1 person | $21,014 | $23,907 | $26,127 | $30,526 |
| 2 persons | $26,161 | $29,761 | $32,525 | $38,003 |
| 3 persons | $32,161 | $36,587 | $39,986 | $46,720 |
| 4 persons | $39,049 | $44,424 | $48,550 | $56,724 |
| 5 persons | $44,287 | $50,384 | $55,064 | $64,336 |
| 6 persons | $49,950 | $56,825 | $62,103 | $72,560 |
| 7+ persons | $55,612 | $63,266 | $69,571 | $80,785 |
What You Should Do
- Identify your household size, including yourself, your spouse, and all dependents.
- Determine your community size (e.g., living in Toronto = Large Urban).
- Check your Notice of Assessment from CRA—ensure your income is above the relevant LICO, plus 30%.
- Review the last 3 years of tax assessments when applying to sponsor parents or grandparents.
Required Documents & Checklist
- Passport copies of the visiting parent(s)/grandparent(s)
- Invitation letter from the child or grandchild
- Proof of relationship (e.g., birth certificate)
- Proof of the Canadian host’s income
- Completed medical insurance application
- Details of any pre-existing medical conditions
Guidelines to Choose the Right Plan
- Choose $100,000 or more in coverage (IRCC requirement)
- Consider if the applicant has pre-existing conditions
- Look for cashless hospital access
- Pick a provider with quick claim support
- Always confirm refund policies
Get Your Free Quote in 2 Minutes
Protect your parents or grandparents today. Get a no-obligation, instant quote tailored to their travel dates and medical needs.
Prefer to speak to someone? Call us at (416) 829-5000