Here is the list of reliable Super Visa Insurance companies in Canada, click any button to get a quote or read policy wording
For inquiries, call +1-437-238-8119 or reach out to Bahadur Singh , a Licensed Insurance Broker.
What is Super Visa Insurance?
It is special product for uninsured visitors, intended to live in Canada for more then 6 months. Super visa holders can stay in continuously for five years, and can apply for 2 years extension, so as we know the health care is expensive for visitors, super visa insurance is a peace of mind while they enjoy family reunion here.
As per immigration Canada, to apply super visa, applicants must provide proof of private medical insurance from a Canadian insurance company. The coverage must:
- Be valid for at least one year .
- Enough to cover healthcare, hospitalization, and repatriation.
- Minimum coverage amount of $100,000 .
Monthly vs one time payment
Most of the providers offer two types of payment plans – monthly and one time. Rest assured, both plans are acceptable as per IRCC regulations, so stay away from such rumors, when people say monthly payment plan effect on visa decision, it does not.
Please note immigration Canada does not accept quotes, they accept paid policies, either full or in installments.
Much Needed Coverages
Super Visa Insurance policies should include coverage for:
- Emergency Medial Needs
- Hospitalization
- Emergency transportation
Additional benefits may include:
- Trip interruption
- Trip cancellation
- Accidental death and dismemberment
Super Visa Insurance Cost
It depends upon the following factors:-
- Age of applicant – Mostly, it is about $100 a month for ages near 50s, premiums are higher for older people, as insurance companies cover increased risk.
- Health Status – If you are healthy, you can save around 30% on premiums, again they cover increased risk, sick people tend to catch diseases faster. So plans with pre-existing health conditions are relatively expensive.
- Length of Stay – Mostly, the super visa insurance policies cost per day, so longer stay lead to more expenses.
- Deductible – Some insurance companies offer deductibles around 10,000, higher deductibles decrease premiums up to 45% in some providers.
- Payment Option – Most of insurers charge some extra one time fee if you choose monthly payment plan, so lump sum payment can save from 50 to 120 one time charges.
| Deductible | Possible Discount% |
|---|---|
| 0 | Full Premiums |
| 100 | 5 to 10 |
| 250 | 10 |
| 500 | 15 |
| 1000 | 20 |
| 2500 or 3000 | 25 to 30 |
| 10000 | upto 45 |
Insurance Company also play big role in pricing. For example, for age 50, you could get super visa insurance policy in $92/month, from Truestone Health. On the other side, for the same age, some companies charge around $180 a month. The insurance brand is big player ins super visa insurance cost, we tried our best to list all companies from cheapest onwards in above buttons.
On the leftside, these are the best super visa insurance companies in Canada
The cost of Super Visa Insurance varies based on factors such as the applicant’s age, health status, and the length of their stay in Canada. It’s crucial to compare different policies to find the best coverage at an affordable price.
Tips for Choosing the Best Super Visa Insurance
- Shop Around all Providers
We suggest to to check price with all providers, for your comfort, we listed all providers in this page. Compare providers based on reputation, customer reviews, and financial stability. Use the links above to explore policies. - Coverage and Benefits
Review coverage limits for medical expenses, hospitalization, and emergency evacuation. Consider additional benefits like pre-existing conditions, dental care, and trip interruption. - Policy Exclusions and Limitations
Must read the exclusions, everyone is not a doctor or lawyer, so it is hard to understand the policy wording and exclusions. The best is to get policy wording before payment, and discuss it with the family doctor. - Pre-Existing Conditions
Always look into stability period, some companies consider 90 days stability period where as others count 180 stable days to cover pre existing health conditions. - Deductibles
Choose a deductible that fits your budget. Higher deductibles lower premiums but increase out-of-pocket costs. - Financial Stability
Check the insurer’s financial stability to ensure they can fulfill claims. - Customer Service
Evaluate customer service reputation through reviews and feedback. - Policy Duration and Renewability
Ensure the policy meets the Super Visa program’s requirement of being valid for at least one year and is renewable. - Seek Professional Advice
Consult an insurance broker for guidance tailored to your needs. We are here to help you with all questions.
Certainly! if you still have questions, go through the FAQ section, we tried our best to answer more specific queries.
Super Visa Insurance Frequently Asked Questions (FAQs)
1. How much does Super Visa Insurance cost?
The cost depends upon the age, health status, deductible amount, payment plan, insurance company and duration of coverage. Some plans start as low as $55/month with deductibles, on the other side it may cost 180 a month as well.
2. What documents are required for Super Visa Insurance?
To purchase Super Visa Insurance, you’ll need the following documents:
- Applicant’s Name: Full legal name as it appears on your passport.
- Date of Birth: Used to calculate age-based premiums.
- Email Address: For policy confirmation and communication.
- Health Information: Details about pre-existing conditions, if any.
- Payment Information: Credit card or other payment methods.
Tip: Ensure all information is accurate to avoid issues during the application process or claims.
3. Do you need travel insurance for a Super Visa?
Yes, as per immigration Canada, you need minimum 100,000 coverage for one year to cover emergency medical expenses, hospitalization, etc.
4. Can Super Visa Insurance be paid monthly?
Now a days, most of carriers offer monthly payment plans, and on top of it you do not need to worry about visa decision based on payment frequency.
5. Can I get a refund for Super Visa Insurance?
Refunds for Super Visa Insurance depend on the specific policy and provider. Here are the key factors to consider:
- Cancellation Period: You will get full refund with in 10 days of purchase, provided effective date is not in these 10 days, also called cooling off period.
- Unused Coverage Period: Most carriers offer unused coverage refund in case of early return to home country, or immigration status change.
- Fees: There may be a small admin fee applicable on refunds.
- Claims History: Some insurance companies do not refund if there is a claim.
- Visa Refusal: Most providers offer a full refund if your Super Visa application is denied. You’ll need to provide proof of refusal.
6. What is the minimum insurance for a Super Visa?
The minimum insurance requirement for the Super Visa program is $100,000 in coverage. This amount must cover:
- Healthcare expenses
- Hospitalization
- Repatriation (returning to your home country in case of medical emergencies)
While $100,000 is the minimum, many applicants choose higher coverage limits (e.g., $500,000 or $1 million) for added peace of mind.
7. Does Super Visa Insurance cover doctor visits?
As we know, it is emergency medical insurance, still some of them cover regular doctor visit on Comprehensive plans.
Details to Check:
- Coverage Limits: Some policies may cap the amount covered for doctor visits.
- Deductibles: You may need to pay a deductible before the insurance covers the rest.
- Exclusions: Review the policy wording to ensure there are no exclusions for specific types of doctor visits.
8. Does Super Visa Insurance cover dental?
Yes, most Super Visa Insurance policies cover dental injuries and pain treatment. However, there are dollar amount limitations on dental coverage. Typical coverage ranges from $500 to $4,000, depending on the provider and plan.
Important Notes:
- Coverage is often limited to emergency dental treatments (e.g., pain relief or injury-related care).
- Routine dental check-ups or cosmetic procedures are usually not covered.
9. When should Super Visa Insurance start?
Your Super Visa Insurance policy should start on the date of landing in Canada. If you need to extend the start date, inform your provider, as this may result in a change in premium due to age adjustments.
Example: If your policy starts on January 1st but you land on February 1st, you’ll need to adjust the start date. This could push the policy into the next birth year, potentially increasing the premium.
10. Does Super Visa Insurance cover pre-existing conditions?
Most Super Visa Insurance policies cover pre-existing medical conditions, but there is usually a stability period. A stability period is the length of time your condition must remain unchanged (e.g., 90, 120, or 180 days) before the policy start date.
Key Points:
- Some providers offer shorter stability periods (e.g., 7 days).
- Always review the policy wording or consult with an insurance broker to confirm coverage details.
Example: If you have diabetes and your policy requires a 180-day stability period, your condition must remain stable for 180 days before the policy start date to qualify for coverage.
11. Can I cancel Super Visa Insurance after approval?
Yes, you can cancel your Super Visa Insurance at any time. However, there are consequences to consider:
- Administrative Fees: Providers charge fees for processing cancellations, which vary by policy.
- Cancellation Penalties: Penalties depend on how soon you cancel after purchasing the policy. Early cancellations may incur minimal penalties, while late cancellations may result in higher fees.
- Partial Refunds: If you cancel after the cancellation period, you may receive a partial refund based on the unused coverage period.
12. What is the deductible for Super Visa Insurance?
A deductible is the amount you pay out-of-pocket before the insurance coverage kicks in. Deductibles for Super Visa Insurance typically range from $0 to $10,000, depending on the provider and plan.
How It Works:
- If your policy has a $1,000 deductible and you incur $5,000 in medical expenses, you’ll pay the first $1,000, and the insurer will cover the remaining $4,000.
- Higher deductibles lower premiums but increase out-of-pocket costs during claims.
Example: A $500 deductible plan may have a higher premium than a $2,000 deductible plan. Choose a deductible that aligns with your budget and risk tolerance.
13. How much income do I need for a Super Visa to Canada?
The Canadian government sets a low-income cut-off (LICO) for Super Visa sponsors. The required income varies based on family size:
Note: These figures are subject to change, so always check the latest requirements on the official immigration website.
14. Is medical free for Super Visa holders?
No, medical services are not free for Super Visa holders. Applicants must purchase private medical insurance to cover healthcare expenses. Additionally, the cost of the medical exam required for the Super Visa application is not covered by the government and must be paid by the applicant. Here is the list of panel physicians
Purpose of Medical Exam: The exam ensures that applicants do not pose a public health risk and are admissible to Canada.
15. Can parents work on a Super Visa?
No, Super Visa holders cannot work legally in Canada without the appropriate work permit or visa. The Super Visa is a visitor visa, and individuals entering Canada under visitor status are not permitted to engage in employment.
Consequences of Working Illegally: Working without authorization can lead to deportation and a ban from re-entering Canada for several years.
16. How long can parents stay on a Super Visa?
Parents can stay in Canada for up to 5 years initially on a Super Visa. After this period, they can apply for a 2-year extension, allowing them to stay for a total of 7 years.
17. Can parents on a Super Visa apply for Permanent Residency (PR)?
Yes, if eligible, Super Visa holders can apply for PR. However, having a Super Visa does not automatically grant eligibility for PR. Common pathways for parents and grandparents include:
- Parent and Grandparent Sponsorship Program: Canadian citizens or permanent residents can sponsor their parents or grandparents for PR.
- Other Immigration Programs: Eligibility depends on factors like age, language proficiency, and adaptability.
18. What is the success rate of the Super Visa?
The success rate for Super Visa applications is approximately 83%. However, each application is assessed individually, and success depends on meeting all requirements, providing complete documentation, and demonstrating strong ties to the home country.
19. Why does a Super Visa get rejected?
Common reasons for rejection include:
- Inadequate Financial Support: Sponsors failing to meet the income requirements.
- Incomplete Documentation: Missing or inaccurate documents.
- Failure to Meet Insurance Requirements: Insufficient or invalid insurance coverage.
- Ineligibility or Inadmissibility: Criminal history, medical conditions, or previous immigration violations.
- Insufficient Proof of Relationship: Unable to demonstrate the relationship with the sponsor.
- Lack of Intention to Return: Failing to prove ties to the home country.
20. How long is a Super Visa valid for?
A Super Visa is valid for 10 years or until the passport expires, whichever comes first. During this period, holders can stay in Canada for up to 5 years per visit.
21. What is the difference between a Visitor Visa and a Super Visa?
| Feature | Visitor Visa | Super Visa |
|---|---|---|
| Purpose | Short-term visits (tourism, family) | Long-term visits for parents/grandparents |
| Validity | Up to 6 months per visit | Up to 5 years per visit |
| Duration | Typically valid for 6 months–1 year | Valid for up to 10 years |
| Insurance Requirement | Not mandatory | Mandatory |
22. What is a stable pre-existing condition?
A stable pre-existing condition is a medical condition that existed before the policy start date but has remained unchanged in terms of symptoms, treatment, or management during the stability period (e.g., 90, 120, or 180 days).
Example: If you have high blood pressure and your medication or symptoms have not changed during the stability period, your condition is considered stable and may be covered.
Final word
Super Visa Insurance is a critical component of the Super Visa application process. By understanding the requirements, comparing providers, and selecting the right coverage, applicants can ensure they have adequate protection during their stay in Canada. For further assistance, feel free to chat on WhatsApp or contact Bahadur Singh , a Licensed Insurance Broker, at +1-437-238-8119 .