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- Super Visa insurance is mandatory and must provide at least one year of emergency medical coverage with a minimum limit of $100,000
- Insurance costs vary based on age, health status, coverage amount, and whether pre-existing conditions are included
- Monthly premiums range from approximately $110 to over $650, with higher costs for seniors above 70 and 80 years old
- Applicants can lower premiums by comparing quotes, choosing higher deductibles, or opting for shorter coverage durations
- What is Super Visa insurance in Canada?
- What are the key features of Super Visa insurance in Canada?
- What factors affect the cost of Super Visa insurance in Canada?
- How much does Super Visa insurance cost in Canada?
- Cost of Super Visa insurance for seniors above 50 years
- Cost of Super Visa insurance for seniors above 60 years
- Cost of Super Visa insurance for seniors above 70 years
- Cost of Super Visa insurance for seniors above 80 years
- Does the cost of Super Visa insurance vary based on coverage amount?
- Can I pay monthly for Super Visa insurance?
- How to reduce the cost of Super Visa insurance in Canada?
- How to get the best Super Visa insurance quotes in Canada?
- Frequently asked questions
Planning a long-term visit for your parents or grandparents to Canada? The journey begins with more than just an itinerary; it starts with the right Super Visa insurance. Understanding the cost of Super Visa insurance in Canada is crucial, especially as it’s a mandatory requirement for approval.
With over 73,000 Super Visas issued in 2023, which is almost twice as many as the previous year, more families are navigating insurance options than ever before. In this blog, we’ll explain what influences Super Visa insurance costs, compare prices by age group, and help you find the best policy for your budget and coverage needs.
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What is Super Visa insurance?
Super Visa insurance is a mandatory visitor health insurance policy for parents and grandparents applying for Canada’s Super Visa. This insurance covers emergency medical care, hospitalization, and repatriation for at least one year, with a minimum coverage amount of $100,000.
Super Visa insurance plans cover emergency healthcare services such as hospitalization, physician fees, diagnostics, and repatriation. Many insurers also offer Super Visa insurance for seniors that includes coverage for stable pre-existing conditions. However, the cost and coverage for such insurance plans can vary based on the stability of the condition.
You need to submit insurance proof when you’re applying for the Super Visa. Without valid insurance coverage, your visa application may be denied. You can also choose flexible Super Visa insurance payment options, including monthly Super Visa insurance plans.
What are the key features of Super Visa insurance in Canada?
In 2025, Super Visa insurance continues to be a mandatory requirement for parents and grandparents applying for the Super Visa to visit Canada. Recent updates have expanded access and made policies more flexible, offering visitors better protection during their extended stay.
- Minimum medical coverage: Every Super Visa insurance policy must provide a minimum of $100,000 in coverage. This includes emergency medical care, hospitalization, doctor visits, prescription drugs, and repatriation
- One-year validity requirement: The insurance must be valid for at least one year from the date of entry into Canada, regardless of the applicant’s intended length of stay
- Coverage from approved foreign insurers: As of 2025, applicants may purchase Super Visa insurance from non-Canadian providers, provided the insurer is authorized by Canada’s Office of the Superintendent of Financial Institutions (OSFI)
- Coverage for pre-existing conditions: Many providers offer Super Visa insurance with pre-existing condition coverage, provided the medical condition has remained stable for a defined period, usually 90 to 180 days before travel
- Flexible payment options: Applicants can choose between full upfront payment and monthly Super Visa insurance plans. While monthly plans offer better cash flow, they may include additional fees or require a commitment for the full term.
- Refund policies: Most insurers offer a full or partial refund if the visa is denied, the visitor returns home early, or the policy is cancelled before the effective date. This feature offers added financial security for families
How much does visitor insurance cost?
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What factors affect the cost of Super Visa insurance in Canada?
The cost of Super Visa insurance in Canada depends on several personal, medical, and policy-related factors. Understanding these key elements helps families choose the most appropriate coverage for visiting parents and grandparents.
Factors that affect the cost of Super Visa insurance in Canada
- Age of the applicant: Insurance providers determine premiums based largely on age. Older applicants typically pay higher premiums due to increased health risks. For example, individuals in their 70s often face significantly higher Super Visa insurance costs than those in their early 60s
- Duration of coverage: Although the Super Visa program requires a minimum of one year of medical insurance, applicants can choose longer coverage terms. The longer the duration, the higher the overall cost, although some insurers may offer slight discounts for multi-year plans
- Type of plan: Basic Super Visa insurance plans include only the minimum mandatory coverage of $100,000 for emergency medical care. Enhanced plans offer additional benefits such as emergency dental care, accidental death coverage, or follow-up visits, which can increase the overall cost
- Deductibles and co-pay options: Choosing a higher deductible reduces the insurance premium. Applicants who opt for plans with zero deductibles or low out-of-pocket costs will pay more upfront but may benefit from easier claims processing in case of emergencies
- Coverage for pre-existing conditions: Adding Super Visa insurance with pre-existing condition coverage can increase the premium, especially for seniors. Most insurers require that the condition be stable for at least 90 to 180 days before the start of coverage
- Additional riders: Optional add-ons such as trip interruption, return of remains, or accidental death benefits can enhance the policy but also increase the total premium. These riders are best suited for those seeking comprehensive protection beyond basic medical coverage
- Province of visit: Super Visa insurance costs may vary depending on the province the applicant intends to visit
How much does Super Visa insurance cost in Canada?
Super Visa insurance in Canada typically ranges from $110 to $650 per month, depending on key factors like age, coverage type, and medical history. Applicants under 60 usually pay between $110 and $200 monthly for basic Super Visa medical insurance.
However, seniors or those needing Super Visa insurance with pre-existing condition coverage may pay $250 to $490 per month, especially if they opt for enhanced plans with low deductibles and extra benefits. Monthly Super Visa insurance options offer flexibility but may come at a slightly higher cost than annual plans.
Since the pricing may vary by insurer, coverage level, and province, it’s important to compare Super Visa insurance quotes online. It is best to take the help of an insurance advisor (like our experts at PolicyAdvisor) to get the best Super Visa insurance plans for your unique needs.
Cost of Super Visa insurance for seniors above 50 years
The cost of Super Visa insurance for seniors above 50 years in Canada generally ranges between $1,200 and $2,100 for a 365-day visit. The cost may depend on several factors, such as the individual’s age, health status, and whether the plan includes coverage for pre-existing conditions.
Super Visa insurance cost for seniors over 50 years
| Companies | Premium without pre-existing conditions | Premium with stable pre-existing conditions |
| Secure Travel | $1,237.35 | $1,405.25 |
| 21st Century | $1,365.10 | $1,635.20 |
| Destination Canada | $1,452.70 | $1,660.75 |
| Travelance | $1,460.00 | $2,008.23 |
| Manulife | $1,824.27 | $2,109.70 |
*Illustrating the cost of Super Visa insurance from top providers for a 51-year-old traveller seeking $100,000 in coverage for a 365-day trip with $0 deductible
Cost of Super Visa insurance for seniors above 60 years
For seniors above 60, the cost of Super Visa insurance in Canada typically ranges from $1,300 to $2,500 for a 365-day visit, depending on age, health status, and coverage needs. Applicants without pre-existing conditions usually pay between $1,300 and $12,200, while those requiring coverage for stable pre-existing conditions can expect premiums from $1,600 to $2,500.
Super Visa insurance cost for seniors over 60 years
| Companies | Premiums without pre-existing conditions | Premiums with stable pre-existing conditions |
| Secure Travel | $1,328.60 | $1,620.60 |
| 21st Century | $1,525.70 | $2,741.15 |
| Destination Canada | $1,624.25 | $1,839.60 |
| Manulife | $2,299.50 | $2,529.45 |
*Illustrating the cost of Super Visa insurance from top providers for a 61-year-old traveller seeking $100,000 in coverage for a 365-day trip with $0 deductible
Cost of Super Visa insurance for seniors above 70 years
For seniors above 70, Super Visa insurance premiums are significantly higher due to increased health risks. The Super Visa insurance costs for a 365-day trip to Canada without pre-existing condition coverage typically range from $2,500 to $3,800, while plans that include stable pre-existing conditions can go up to $4,100.
Super Visa insurance cost for seniors over 70 years
| Companies | Premiums without pre-existing conditions | Premiums with stable pre-existing conditions |
| Secure Travel | $2,569.60 | $3,379.90 |
| 21st Century | $2,690.05 | $4,682.95 |
| Destination Canada | $2,861.60 | $4,179.25 |
| Manulife | $3,801.84 | $4,181.26 |
*Illustrating the cost of Super Visa insurance from top providers for a 71-year-old traveller seeking $100,000 in coverage for a 365-day trip with $0 deductible
Cost of Super Visa insurance for seniors above 80 years
Super Visa insurance for seniors above 80 years is the most expensive due to advanced age and increased health risks. Premiums without pre-existing condition coverage for a 365-day trip to Canada typically start around $5,000, while plans that include stable pre-existing conditions can reach up to $7,000. Not all insurance providers offer monthly coverage at this age, so your options may be limited.
Super Visa insurance cost for seniors over 80 years
| Companies | Premiums without pre-existing conditions | Premiums with stable pre-existing conditions |
| Manulife | $5,020.58 | $5,522.63 |
| 21st Century | $5,128.25 | $7,818.30 |
| Travelance | $5,840.00 | $7,128.45 |
*Illustrating the cost of Super Visa insurance from top providers for an 81-year-old traveller seeking $100,000 in coverage for a 365-day trip with $0 deductible
Does the cost of Super Visa insurance vary based on coverage amount?
Yes, the cost of Super Visa insurance in Canada varies significantly based on the coverage amount selected. Insurance providers offer plans starting with the minimum required coverage of $100,000, but applicants can also choose higher coverage options, such as $150,000 or $300,000, depending on their needs and risk factors.
When applicants choose a higher coverage limit, the Super Visa insurance cost increases accordingly. For instance, the cost of Secure Travel’s Super Visa insurance plan for an individual seeking $100,000 in coverage may range between $111-$280 per month. However, for a $150,000 coverage, the cost can range between $141-$357 per month. The higher coverage provides broader financial protection in the event of hospitalization, emergency care, or repatriation.
Cost of Secure Travel Super Visa insurance in Canada
| Age | Monthly premium without pre-existing conditions ($100,000 coverage) | Monthly premium with pre-existing conditions
($100,000 coverage) |
Monthly premium without pre-existing conditions ($150,000 coverage) | Monthly premium with pre-existing conditions
($150,000 coverage) |
| 55 years | $111.63/month | $131.40/month | $141.74/month | $166.99/month |
| 60 years | $110.72/month | $135.05/month | $140.53/month | $171.55/month |
| 65 years | $135.05/month | $170.94/month | $171.55/month | $217.18/month |
| 70 years | $214.13/month | $281.66/month | $271.93/month | $357.70/month |
Does the cost of Super Visa insurance vary due to pre-existing conditions?
Yes, the cost of Super Visa insurance in Canada increases if the applicant has pre-existing medical conditions. Insurance providers assess the applicant’s health status and charge higher premiums when coverage includes pre-existing conditions such as diabetes, hypertension, or heart disease.
The cost of Super Visa insurance with pre-existing conditions can typically range between $130-$650 per month, depending on your age. When you choose a Super Visa insurance plan with pre-existing condition coverage, insurers typically require that the condition remains stable for 90 to 180 days before the policy begins. If the condition does not meet the stability requirement, the insurer may exclude it or decline coverage entirely.
Can I pay monthly for Super Visa insurance?
Yes, you can pay monthly for Super Visa insurance in Canada. Many insurance providers offer flexible monthly payment plans to help reduce the initial financial burden, especially for families applying for Super Visa insurance for seniors or enhanced plans. Most monthly plans require an upfront deposit, usually around 20% to 30% of the total premium, in the form of the first two monthly installments. Monthly plans will also require an additional set-up fee.
While monthly Super Visa insurance makes payments manageable, insurers typically include administrative fees, making the total cost higher than paying annually. In contrast, annual plans require full payment upfront but offer better overall value, with no extra charges.
If your parent or grandparent plans to stay in Canada for the full year, choosing an annual Super Visa insurance plan can help save money and simplify the process.
Why is Super Visa insurance mandatory for seniors visiting Canada?
Super Visa insurance is mandatory for seniors visiting Canada to ensure they have adequate financial protection during their extended stay. Since parents and grandparents under the Super Visa program can stay in Canada for up to five years per visit, the government requires proof of Super Visa medical insurance to cover potential emergency healthcare costs.
Canada’s public healthcare system does not cover visitors, and medical treatment can be extremely expensive without insurance. By making Super Visa insurance for seniors compulsory, the government ensures that visitors do not place financial strain on the healthcare system or their sponsoring families.
How to reduce the cost of Super Visa insurance in Canada?
Super Visa insurance can be costly, especially for seniors or those with pre-existing conditions. However, applicants can lower their Super Visa insurance cost by making strategic choices during the application process. Below are some effective ways to reduce premiums while still meeting IRCC requirements.
- Choose a higher deductible: Opting for a higher deductible significantly lowers the monthly premium. This means the insured pays more out-of-pocket in case of a claim, but benefits from lower upfront insurance costs
- Select a shorter coverage duration: Instead of purchasing coverage for the full year, applicants can buy coverage for a shorter duration if they plan to leave Canada early. Some insurers allow flexible terms with refund options
- Compare multiple visitor insurance options: Comparing Super Visa insurance quotes from different Canadian providers helps you find the most affordable policy with the right coverage features. Prices and benefits vary widely
- Work with a licensed insurance advisor: A licensed insurance advisor (such as our experts at PolicyAdvisor) can recommend the best-value options and help you avoid unnecessary add-ons. This ensures you choose a Super Visa medical insurance plan that balances affordability with adequate protection
How to get the best Super Visa insurance quotes in Canada?
Finding the right Super Visa insurance plan for your parents or grandparents can be challenging, especially with so many options in terms of premiums, coverage limits, and refund policies. But not all plans offer the same value or flexibility, which makes comparing Super Visa insurance quotes difficult. This is where PolicyAdvisor comes in!
At PolicyAdvisor, we work with the best Super Visa insurance providers in Canada, including leading names like Manulife, Destination Canada, and 21st Century. Our experienced insurance advisors help you:
- Compare real-time Super Visa insurance quotes side by side
- Customize coverage based on age, pre-existing conditions, and travel duration
- Lock in the lowest available rates without compromising on essential coverage
- Buy Super Visa insurance online with just a few clicks. securely and quickly
- Get dedicated after-sales support for claims, refunds, or policy changes
Whether you’re looking for basic medical coverage or a policy that includes pre-existing conditions, our advisors ensure you choose the right plan, which is fully compliant with IRCC requirements and tailored to your family’s needs. Schedule a call to get the cheapest Super Visa insurance quotes today!
Frequently asked questions
Is Super Visa insurance refundable if the visa is denied?
Yes, most Super Visa insurance providers offer a full refund if the visa is denied, provided you submit proof of the visa refusal and haven’t used the policy. Always review the insurer’s refund policy before purchasing.
Although processing fees may apply in this case, reputable companies may typically return the full premium amount without any further deduction. Make sure to request the refund within the specified timeframe mentioned in your Super Visa insurance refund policy.
Can I buy Super Visa insurance for less than 1 year?
You must purchase a Super Visa insurance policy that offers at least one year of coverage to meet IRCC’s requirements. However, if your parent or grandparent plans a shorter visit, some insurers allow early cancellation with a partial refund, provided they leave Canada early and no claims are made.
While the full-year policy is mandatory upfront, Super Visa insurance for seniors can offer flexible refund options for early departures.
What happens if I cancel Super Visa insurance mid-policy?
If you cancel your Super Visa insurance mid-policy, most insurers allow a partial refund of the unused premium only if no claims have been made and the insured has left Canada. You’ll need to provide departure documentation such as flight tickets or passport stamps.
Cancellation fees may apply, and refund terms vary between different providers. It’s best to understand the cancellation terms clearly when you buy Super Visa insurance online.
Do all Super Visa insurance plans cover emergency evacuation?
Not all Super Visa insurance plans include emergency evacuation by default. Basic plans may limit coverage to emergency medical treatment within Canada.
If you want protection for emergency medical evacuation or repatriation, you should opt for an enhanced Super Visa medical insurance plan or add an optional rider. Review your policy carefully to confirm if these benefits are included or need to be added for complete coverage.
Can I switch Super Visa insurance providers mid-term?
Switching Super Visa insurance providers mid-term is generally not recommended, as most policies are non-transferable and may not offer pro-rated refunds if claims have been made. However, you may cancel your current policy and purchase a new one if no claims have occurred and your stay in Canada is extended.
Work with a licensed insurance advisor to evaluate whether switching mid-term will affect your Super Visa insurance coverage or result in extra costs.
Super Visa insurance is a mandatory requirement for parents and grandparents visiting Canada under the Super Visa program. The cost of Super Visa insurance in Canada depends on several factors, including the applicant’s age, coverage amount, duration of stay, and whether pre-existing medical conditions are covered. The monthly premiums for Super Visa insurance typically range from $110 to over $650, with rates increasing significantly for seniors over 70 and 80. Applicants can reduce costs by choosing higher deductibles or shorter coverage periods. Refunds are available for this insurance if the visa is denied, and many insurers offer flexible monthly payment options.
Immigration, Refugees and Citizenship Canada. Report on Super Visa Income Requirement, Appeal Process, Special Circumstances – Temporary Resident Visas. Government of Canada.
