Can I pay for super visa insurance monthly?

What is a super visa?

A super visa is a unique visitor visa for the foreign parents and grandparents of Canadian citizens and permanent residents. It’s a 10-year multiple entry visa that allows visitors to stay for up to 5 years, with the option to apply for a 2-year extension.

What is super visa insurance?

This is a specialized form of travel medical insurance that is designed to cover visitors for the entire time they are in Canada. It helps cover the costs of medical emergencies and other health care needs that may arise during their stay. The main purpose of this kind of coverage is to make sure visitors aren’t a financial burden on the public healthcare system — or on the family members they are visiting.

Is super visa insurance mandatory?

Yes, it is mandatory. To be allowed to enter Canada, you need to have a policy that:

• Covers emergency medical care
• Has a minimum coverage of $100,000 CAD
• Is valid for at least a 12-month period
• Is bought from a Canadian insurance company
• Is active when you arrive in Canada

See the full list of requirements in our complete guide.

Did the rules about super visa insurance payments change?

Yes, the rules about how you can pay for super visa medical coverage changed a few times in 2022 and 2023. This is what caused some confusion for visa-holders and their family members.

From August to December 2022, the Canadian government said that super visa insurance payments had to be made in full at the time of purchase. Otherwise, visa-holders might not be allowed to enter the country. This led some families to worry that something might happen to their visitor status unless they paid in-full right away.

But now, you are allowed to pay in monthly instalments if your provider gives that option. This is welcome news for families looking for more flexibility with how they pay for their insurance policy!

Will the new super visa insurance payment rules affect me?

The new rules will mostly affect new visa-holders who are looking to buy health insurance for their stay. But it could also affect insured people who are already in Canada.

Here’s how it could affect you:

1. If you don’t have supervisa insurance yet

The new rules will have the biggest effect on anyone who has not entered Canada yet, including:

• Super visa applicants who have not yet been approved
• Super visa applicants who were approved, but who have not travelled to Canada yet
• People who are just starting the application process
• People who have not started their applications

If you’re in this category, you will now be able to pay for your supervisa insurance either monthly or yearly — the choice is up to you and your family!

2. If you already paid in full for your supervisa insurance policy

Insured people who arrived in Canada and paid for health insurance in full, as was required between August – December 2022, will not be affected by the change to payment rules. Your plan is already paid for the year.

3. If you are already paying monthly for your supervisa insurance policy

Insured people who are already in Canada and paying for their super visa health insurance monthly will also not be affected. You can continue to pay your monthly premiums as usual.

How to get the best super visa insurance deals

You can easily find the best deals on Canadian supervisa insurance with PolicyAdvisor.com. Use our free online quoting tool to get super visa insurance quotes and compare prices from top Canadian providers in less than a minute.

Or schedule a call with one of our licensed insurance advisors for expert advice on which travel insurance policy would be best for you and your family.

How much does super visa insurance cost?

As with most insurance premiums, super visa insurance costs depend on factors like:

• Applicant age
• Applicant health status
• Applicant health history
• Policy length
• Coverage amount
• Deductible options

The average cost of super visa health insurance policies is just over $1,000 to upwards of $1,500 per year. However, the cost can also be well over $2,000, again depending on the factors listed above.

People who have pre-existing medical conditions — like diabetes, high blood pressure, cancer, heart conditions, lung conditions, etc. — may have to pay a higher cost for their health insurance.

Check out some quotes right here on our website to find a policy that matches your family’s needs and budget.

Can a relative buy super visa insurance for me?

Yes, Canadian citizens and permanent residents can buy a policy on behalf of their visiting parents or grandparents. In fact, many people choose to do just that.

With this program, Canadian citizens and residents are considered the sponsors of their visiting family members. Since they are financially responsible for the visit, most people will buy the necessary super visa coverage on behalf of their visiting relatives.

Read more about buying travel insurance for visiting parents or grandparents for shorter stays.

Is super visa insurance refundable?

Yes, you can get a refund if you need to cancel your insurance coverage. But we don’t recommend that you cancel your policy except in a few rare circumstances.

Your supervisa insurance has to remain active for the entire duration of your stay for your visa to remain valid. If you cancel it, your visa might be revoked.

The few exceptions would be:

• If the insured person leaves Canada earlier than expected
• If the super visa application is denied

In either of these cases, or similar situations, it may be necessary to cancel the policy. At that time, the insurance provider would give you a partial refund.

How long does it take to get super visa insurance?

In most cases, you’re approved as soon as you complete the application process. It’s quite fast and simple to get the coverage you need. Getting approved for the actual visa itself is much more complex and takes far more time.

You can apply for super visa insurance in a matter of minutes with PolicyAdvisor. We give you the option to apply online or over the phone with one of our expert advisors. So, you’re free to apply however is easiest for you.