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Compare Super Visa Insurance Quotes
Get instant super visa insurance quotes from Canada's top providers. Compare medical coverage side by side, and buy online in minutes.
Super Visa insurance quotes in Canada
Super Visa insurance is mandatory for parents and grandparents visiting Canada under the Super Visa program. Without valid medical coverage, your application may not be approved. Beyond meeting visa requirements, the insurance also protects you from high medical costs during your stay. With PolicyAdvisor, you can compare Super Visa insurance quotes from leading Canadian providers, review plans side by side, and choose the right coverage in minutes.
Super Visa insurance quotes in Canada
Every quote is personalized, but the table here gives you an idea of what to expect for the IRCC-required $100,000 coverage over 365 days, with a $1,000 deductible and no pre-existing condition coverage.
| Age | Total premium |
|---|---|
| 55 years | $1,110/month |
| 60 years | $1,241/month |
| 65 years | $1,588/month |
| 70 years | $2,187/month |
| 75 years | $2,713/month |
IRCC Super Visa insurance requirements for 2026
When you generate a quote, you must ensure the underlying policy meets IRCC’s strict eligibility rules. If your chosen policy falls short, the visa officer will refuse the application. Every valid Super Visa insurance policy must include:
$100,000 minimum coverage
Your plan must provide at least $100,000 in emergency medical coverage. We also offer $200,000 and $500,000 options.
Valid for at least 1 year
The policy must be valid for a minimum of 365 days from the date your parent or grandparent enters Canada.
From a Canadian insurer
Coverage must be issued by a Canadian insurance company (or an OSFI-approved provider) to be accepted by IRCC.
Healthcare, hospital & repatriation
Plans must cover emergency healthcare, hospitalization, and repatriation of remains for the full stay.
Active & reviewable at entry
Proof of coverage must be valid and available for a border officer to review each time your family enters Canada.
Pay monthly or upfront
Pay the full year upfront, or spread it out with monthly payment options now offered through approved Canadian brokers.
What an uninsured visit can cost
Without Super Visa coverage, every medical bill comes straight out of your pocket. For older parents, a sudden health emergency can reach five figures within days.
Typical out-of-pocket figures for uninsured visitors in Canada. None of it is covered by the public system.
Why choose PolicyAdvisor for Super Visa insurance quotes
PolicyAdvisor helps you compare Super Visa insurance quotes online with complete clarity, so you understand the cost and what each plan covers before you decide.
See personalized Super Visa insurance quotes right away, with no follow-ups or calls.
Compare Manulife, TuGo, GMS and more side by side, without switching between sites.
You pay the insurer's price, nothing more.
Browse your options freely and make a decision when you're ready
Get covered start to finish in a few minutes. No paperwork, no in-person visits, everything digital.
Connect with licensed advisors for guidance on Super Visa rules, pre-existing conditions and more.
Which companies provide Super Visa insurance quotes on PolicyAdvisor?
At PolicyAdvisor, we help you compare quotes from Canada’s best super visa insurance companies, so you can review every option in one place.
Insurers we compare:
Get your super visa insurance quote in 3 steps
Getting Super Visa insurance through PolicyAdvisor is simple and takes just a few steps.
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1. Enter your trip details
Provide details like age, travel dates, and country of residence for the parent or grandparent visiting Canada.
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2. Select your coverage
Choose your medical coverage based on Super Visa requirements and your budget.
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3. Compare quotes instantly
View quotes from top insurers, review plan details, and select the one that works best for your application.
What factors determine your Super Visa insurance quote?
When you generate a quote, the premium you see isn’t arbitrary. Insurers calculate your specific rate based on a few primary risk factors:
Age of the applicant
Since applicants are parents and grandparents, quotes fall into the upper age bands, and the price steps up sharply at the 65 and 70 thresholds.
Pre-existing medical conditions
If your parent or grandparent requires coverage for a stable pre-existing condition (like regulated high blood pressure or diabetes), your quoted premium will be higher.
Deductible selected
A deductible is the amount you pay out-of-pocket before insurance kicks in. Choosing a higher deductible (e.g., $500, $1,000, or $2,500) can cut the annual premium by roughly 15–20%.
Coverage limit
While $100,000 is the mandatory minimum, many families choose to quote $150,000 or $200,000 for added peace of mind, which will increase the cost.
Why compare super visa insurance quotes before applying?
Unlike standard visitor insurance, super visa coverage must be purchased and paid before you submit your application. IRCC will not approve a super visa without proof of a qualifying, paid policy. That makes comparing quotes upfront essential: you want the right $100,000+ plan, from an OSFI-approved insurer, at the best price, before your application goes in.
Comparing also protects you if plans change. Since waiting periods, refund terms, and pre-existing condition rules differ significantly between insurers, a side-by-side comparison helps you pick a policy that’s both compliant and flexible, so you’re not locked into a plan that’s hard to refund if the visa is refused or the trip is delayed.
How can I get the lowest Super Visa insurance quotes in Canada?
Getting a lower Super Visa insurance quote comes down to making a few smart choices while still meeting mandatory requirements.
Choose a higher deductible
Plans with higher deductibles typically cost less. This is one of the most effective ways to reduce your premium, as long as the deductible is manageable in case of a claim.
Check the age-band
Premiums jump at age thresholds (notably 65 and 70). If an applicant is close to one, buying and starting coverage before that birthday can keep them in the lower band for the full year.
Review pre-existing coverage
A pre-existing rider is one of the costliest add-ons. If a condition is well outside the stability window and unlikely to flare, a standard plan that excludes it may be enough.
Compare insurers head-to-head
The same $100,000 / 365-day profile is priced differently across insurers. Comparing compliant plans side by side is the most reliable way to avoid overpaying for identical coverage.
Avoid unnecessary add-ons
Basic plans already cover emergency medical care, hospitalization, and repatriation (which are required). Adding extra benefits can increase your total cost.
Consider monthly payment options
Some plans allow monthly payments instead of paying the full annual premium upfront, which can make costs easier to manage, especially for higher premiums.
Need insurance answers now?
Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them.
Can I pay my quoted super visa insurance premium monthly?
Yes. Several top providers now offer super visa monthly payment plans that IRCC accepts for super visa applications, which helps when a full year of coverage runs into the thousands.
You usually pay an initial deposit (often the first two months’ premium plus a small admin fee), then spread the rest in installments. The certificate must still show the full 365-day coverage period, since IRCC needs proof the policy is active and paid for, not paid in full upfront.
| Coverage scenario | Annual payment | Initial deposit | Monthly payment (10 months) | Estimated total paid over 12 months | Extra cost of monthly payments |
|---|---|---|---|---|---|
| Parent Age 58 | $1,328.60 | $321.44 | $110.72 | $1,428.64 | $100.04 |
| Parent Age 68 | $1,620.60 | $390.10 | $135.05 | $1,740.60 | $120.00 |
| Couple Age 60 & 61 | $2,657.20 | $562.87 | $221.43 | $2,777.17 | $119.97 |
*These costs reflect $100,000 in coverage for a Super Visa applicant in Canada for 1 year.
Frequently Asked Questions
Is super visa insurance mandatory?
Yes. IRCC requires every super visa applicant to hold private medical insurance with at least $100,000 in coverage, valid for one year from entry, covering health care, hospitalization, and repatriation. Without proof of a qualifying, paid policy, your super visa cannot be approved.
How much super visa insurance coverage do I need?
The minimum is $100,000 CAD in emergency medical coverage per person. You can choose a higher limit for added protection, but anything below $100,000 will not meet IRCC requirements.
How long must my super visa insurance be valid?
The policy must be valid for at least 365 days (one full year) from the applicant’s date of entry into Canada. Six-month or nine-month policies do not qualify, even if the planned visit is shorter.
Can super visa insurance be from a company outside Canada?
Yes. As of recent IRCC rule changes, super visa insurance can be purchased from a Canadian insurer or from a foreign insurer authorized by OSFI to provide accident and sickness insurance in Canada. Always confirm the insurer appears on OSFI’s list before buying.
Is comparing super visa insurance quotes free?
Yes. Comparing super visa insurance quotes through PolicyAdvisor is completely free, with no obligation to buy. You can run as many quotes as you like. If you purchase, you pay only the insurer’s premium.
Can I get an instant super visa insurance quote online?
Yes. Quotes are generated instantly online, with no phone calls required, so you can compare options at your own pace. If you’d prefer guidance, a licensed PolicyAdvisor advisor can help you choose a compliant plan.
Does super visa insurance cover pre-existing conditions?
Some plans do, often requiring the condition to have been stable for a set period (commonly 90 to 180 days). Coverage and stability rules vary by insurer, so compare quotes to find the right fit for the applicant’s health profile. Adding pre-existing coverage typically raises the premium.
What proof of insurance does IRCC require?
IRCC requires a policy certificate or confirmation showing the applicant’s name (matching the passport), the coverage amount of at least $100,000, the 365-day coverage period, and proof that the premium is paid. A quote or estimate is not accepted.
When does my super visa insurance coverage start?
Coverage begins on the start date you select. It’s best to set this date around your expected entry into Canada and ideally after your anticipated visa approval, so you stay eligible for a full refund if the application is refused.
Can I get one super visa insurance quote for both parents?
Yes. You can add multiple applicants to a single quote and enter each person’s age for accurate pricing. The quote tool then shows compliant options from each insurer, making it easy to compare coverage for both parents or grandparents together.
