Super Visa Insurance
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Super Visa Insurance is a mandatory medical insurance policy required for parents and grandparents applying for a Canadian Super Visa. The Super Visa allows them to visit Canada for up to 5 years per entry, with a visa validity of up to 10 years.
Why Super Visa Insurance is Important
1
Mandatory Requirement for Visa Approval
Immigration, Refugees and Citizenship Canada (IRCC) require proof of a minimum $100,000 coverage valid for at least one year. Without insurance, the Super Visa application will be refused.
2
Financial Protection
Healthcare in Canada is expensive for visitors — a single hospital stay can cost thousands of dollars. This insurance prevents significant out-of-pocket expenses in case of illness or accident.
3
Peace of Mind for Families
Ensures parents and grandparents receive timely medical care without causing financial stress on their sponsors or family members.
4
Compliance with Canadian Regulations
Keeps visitors in line with IRCC requirements and ensures they maintain valid coverage for their stay.
5
Coverage for Extended Stays
Suitable for visitors staying for longer periods (up to 5 years per entry), unlike regular travel insurance that typically covers shorter trips.
Key Features of Super Visa Insurance
Minimum Coverage
$100,000 (can choose higher limits like $150,000 or $300,000 for extra protection).
Duration
Must be valid for at least 1 year from the date of entry.
Comprehensive Medical Coverage
Covers hospital stays, physician fees, diagnostic tests, ambulance services, prescription drugs (emergency), and repatriation.
Refund Options
Partial or full refunds available if the visa is refused, or if the insured leaves Canada earlier than planned (pro-rated).
Renewable
Can be extended or renewed if parents/grandparents stay beyond the initially insured period.
Deductible Options
Various deductible amounts available — higher deductible lowers premium cost.
Choice of Insurers
Available through multiple Canadian insurance providers with different premium rates and plans.
Pre-existing Condition Coverage
Some plans cover stable pre-existing conditions (subject to eligibility and underwriting).
Direct Billing
Many insurers offer direct payment to hospitals and clinics to avoid upfront costs.
Worldwide Coverage
Often includes coverage during side trips outside Canada (excluding home country), provided the majority of the trip is in Canada.
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