Suppose you are a permanent resident or citizen of Canada and hope to bring your parents or grandparents to visit for an extended stay. In that case, you have likely encountered the Super Visa program. It is a fantastic option that allows eligible family members to stay in Canada for up to two years at a time without the need to renew their status every six months.
However, before the Super Visa can be approved, there is one critical requirement: Super Visa Insurance.
What Is Super Visa Insurance?
Super Visa Insurance is a specialized private health insurance policy designed specifically for parents and grandparents applying for the Super Visa to Canada. Since visitors on a Super Visa are not covered by Canada’s public healthcare system, this insurance provides crucial medical coverage during their stay.
It protects against unexpected medical emergencies, hospital stays, doctor visits, prescription medications, and even emergency medical evacuation back to their home country if necessary. The insurance must meet strict requirements set by the Canadian government, including:
- A minimum coverage of $100,000 CAD
- Coverage for at least one year
- Protection for healthcare, hospitalization, and repatriation
- Issued by a licensed Canadian insurance provider
Having Super Visa Insurance not only satisfies visa requirements but also offers peace of mind to families knowing their loved ones have access to quality healthcare without the risk of costly bills.
Why Is Super Visa Insurance Mandatory?
The Canadian government requires all Super Visa applicants to purchase private medical insurance from a Canadian insurance company as part of the application process.
This insurance is essential for several reasons:
1. Healthcare in Canada Isn’t Free for Visitors
Canada’s public healthcare system is only available to citizens and permanent residents. Without insurance, any emergency treatment could cost thousands of dollars.
2. Peace of Mind for Families
Medical emergencies can occur at any time—especially for elderly visitors. Super Visa Insurance provides your loved ones with access to necessary healthcare, alleviating the financial burden on your family.
3. A Key Requirement for Visa Approval
IRCC will not approve a Super Visa application unless proof of valid Super Visa Insurance is provided. Skipping this step means your application will be incomplete and is likely to be rejected.
Super Visa Insurance: Coverage Requirements
To be valid for Super Visa purposes, the insurance policy must meet the following criteria:
- Minimum coverage of CAD 100,000
- Valid for at least one year from the date of entry
- Must cover healthcare, hospitalization, and repatriation
- Must be issued by a Canadian insurance company
Optional benefits, such as prescription drugs, dental care, and travel interruption coverage, may also be available depending on the plan you choose.
What Does Super Visa Insurance Cover?
While plans may vary slightly between providers, here’s a general breakdown of what’s typically included:
| Coverage Type | Description |
| Emergency Medical Care | Hospitalization, surgeries, and doctor visits due to illness or accidents. |
| Diagnostic Services | Lab tests, X-rays, and imaging required for medical diagnosis. |
| Repatriation | Covers the cost of returning the insured person to their home country. |
| Ambulance Services | Emergency ground or air ambulance transportation. |
| Prescription Medications | Usually limited to emergency prescriptions (30–60 day supply). |
| Follow-Up Care | Post-hospital recovery treatment within Canada. |
How Much Does Super Visa Insurance Cost in Brampton?
The cost of Super Visa Insurance can vary depending on a few key factors:
- Age of the applicant: Older visitors typically face higher premiums.
- Pre-existing medical conditions: Some plans cover them, but they cost more.
- Duration of stay: Longer stays increase the cost.
- Coverage amount: $100,000 is the minimum, but you can opt for a higher amount.
Example:
For a healthy 65-year-old visiting Canada for one year with $100,000 in coverage, premiums may range between $900 to $1,800.
If the applicant has pre-existing conditions, the cost may increase by 20% to 50%, depending on the insurer and the nature of the condition.
Why Choose a Local Insurance Advisor in Brampton?
When you are purchasing a specialized product like Super Visa Insurance, it is essential to work with an experienced local advisor who understands your needs.
Here is why Top Choice Insurance in Brampton is your go-to option:
1. Personalized Guidance
Every family situation is different. Top Choice Insurance takes the time to understand your unique needs and suggests plans that fit your family’s budget and circumstances.
2. Access to Multiple Providers
Rather than being locked into one insurer, Top Choice Insurance works with a network of trusted Canadian insurance companies, helping you compare quotes and choose the best value.
3. Support with Paperwork
Super Visa applications can be confusing. Your advisor can ensure your insurance documents are correctly completed and formatted for submission to IRCC.
4. Claims Assistance
In the unfortunate event that your parent or grandparent needs medical attention, Top Choice Insurance provides support in filing and following up on claims—so you’re never alone.
How to Buy Super Visa Insurance: Step-by-Step
Here is how to get started with buying Super Visa Insurance in Brampton:
Step 1: Contact Top Choice Insurance
Schedule a consultation in person or over the phone to discuss your needs and budget.
Step 2: Provide Visitor Details
You will need to supply your loved one’s age, country of origin, intended duration of stay, and any known medical conditions.
Step 3: Compare Plans
Your advisor will present you with multiple insurance options and explain the pros and cons of each.
Step 4: Purchase and Receive Documentation
Once you choose a plan, you will receive a confirmation of coverage to include in your Super Visa application.
Step 5: Renew or Refund If Needed
If the trip is delayed or shortened, Top Choice Insurance can assist with policy extensions, renewals, or partial refunds, subject to the terms of the insurer.
Final Thoughts
Inviting your parents or grandparents to Canada through the Super Visa program is an excellent way to keep families connected and create lasting memories. But before that dream can become a reality, you must ensure they are adequately protected with Super Visa Insurance.
Not only is it a legal requirement—it is also one of the most important things you can do to safeguard their health and your financial peace of mind.
At Top Choice Insurance in Brampton, we understand that family comes first. Let our expert advisors guide you through the process and help you find the perfect policy that fits your needs and budget.
Ready to Get Started?
Contact Top Choice Insurance today for a free quote and expert advice on Super Visa Insurance for your loved ones.
Frequently Asked Questions (FAQs)
Q: Can I cancel the insurance if the visa is denied?
Yes. Most providers offer full refunds if the visa is denied, provided that no claims have been made and proof of denial is submitted.
Q: Can I buy insurance after my parents arrive?
No. The policy must be purchased before arrival and submitted with the visa application.
Q: Is insurance for pre-existing conditions available?
Yes. Many insurers offer coverage for stable pre-existing conditions, usually defined as a condition that hasn’t changed in the past 90 to 180 days.
