Understanding Super Visa Insurance for Parents and Grandparents

The super visa program in Canada lets parents and grandparents of Canadian citizens and permanent residents stay in Canada for extended periods—usually up to five years at a time. This visa also allows multiple entries over ten years. However, super visa insurance is an essential requirement for getting this visa.

Why Super Visa Insurance is Important

Canada has a public healthcare system, however, it only covers citizens, permanent residents, and other eligible persons. Medical costs can be high for visitors, especially in emergencies as they are not covered under Canada’s healthcare system. For parents and grandparents, the super visa insurance helps cover these costs, so visitors don't face unexpected financial burdens. Government requirements state that this insurance must cover at least $100,000 for healthcare, hospitalization, and repatriation.

Key Requirements for Super Visa Insurance

To meet Canadian government rules, the super visa insurance must:

• Be Valid for One Year: The insurance must cover at least one year from your entry date into Canada.

• Minimum Coverage of $100,000: It should provide $100,000 or more in emergency medical coverage.

• From a Canadian Insurance Provider: The insurance must be purchased from a Canadian company or an alternative provider approved by the Canadian government.

• Proof of Insurance: You must show proof of valid insurance upon arrival in Canada.

Costs of Super Visa Insurance

Super visa insurance costs vary. Factors affecting costs include:

Age: Older applicants generally pay higher premiums.

Health History: Pre-existing conditions can increase premiums.

Coverage Length and Amount: Longer and higher coverage policies are more expensive.

Deductible Options: A higher deductible can lower premiums but increase out-of-pocket expenses if you need to make a claim.

Sponsors, like the visitor's child or grandchild, can pay for this insurance, often with easy monthly payment options.

Why Super Visa Insurance Matters

Super visa insurance ensures that visitors have financial protection for unexpected medical emergencies in Canada.

With super visa insurance, parents and grandparents can enjoy their time in Canada knowing they are protected in case of unexpected emergencies.