Top Canadian Super Visa Insurance Companies
What is Super Visa Insurance?
As we know, Canadian health care system is great, but expensive for non insured visitors. From the immigration status point of view, super visa holders are also on visitor status, and they are not covered by provincial health care programs. That is where the super visa insurance comes into play for uninsured visitors for emergency medical situations.
As per immigration Canada, super visa applicants must have 100,000 emergency medical coverage from a Canadian company, also called super visa insurance.
What is covered in the super visa insurance plan?
Most policies cover a wide range of medical emergencies to ensure visitors to Canada are protected during their stay, however the common benefits are
- Emergency medical coverage
- Surgeries, medical care
- Emergency Dental treatment
- Repatriation of remains
- Cremation or burial expenses at destination
- Emergency Return Home(If medically needed)
Insurance companies offer two types of coverage plans as
Pre-Existing and Non Pre-Existing plans.
So the above basic benefits are available in Non Pre-Existing medical conditions. Some companies name them Standard, Plan A, or Essential plan. Other top up benefits, offered in coverage with Pre-Existing health conditions, namely Enhanced, Plan B and Premier are
- Diagnostic tests such as x-ray, CT scan and MRI
- Treatment by Physiotherapist, massage therapist, chiropractic treatments
- Accidental Death and Dismemberment(Ad & D) coverage
- Hospital allowance, extended accommodation benefits, and access to a private duty nurse
- Higher limits for prescription medications
Please note coverage with pre existing also offer protection against on going health conditions, provided they are stable and not under exclusions. However, benefits may vary upon provider. To help you choose the right option, we have explained benefits of each plan per company and coverage limits under “Explore Top Super Visa Companies In Canada” heading following this article.
Eligibility criteria for Super Visa Insurance
Most people applying for a Super Visa are eligible for Super Visa insurance. However, there are some common exclusions and conditions that applicants must meet to qualify for coverage:
- Must be traveling to Canada on a visitor status (e.g., Super Visa applicant) and not covered under any provincial health care plan.
- You are not traveling against a physician’s advice and have not been diagnosed with a terminal illness.
- Purpose of travel must be visiting family, not medical treatment.
- Must be doing daily by self, not require assistance with daily living activities such as bathing, dressing, or eating.
- You have not used home oxygen in the past 12 months and have not been diagnosed with certain high-risk cancers.
- These criteria help ensure the applicant is insurable and the policy remains valid throughout their stay in Canada.
Important: We strongly recommend reading the full policy wording of any Super Visa insurance plan before purchasing, as each provider may have unique eligibility rules and medical exclusions.
Tips to Save on Super Visa Insurance
Super visa insurance premiums may be pinch, here are some some practical tips to help you lower your premiums while ensuring you have the coverage you need:
Add Deductibles
While adding deductibles can increase out-of-pocket expenses in case of a claim, it significantly reduces your insurance premium. For example:
- $250 deductible: Save 10%
- $500 deductible: Save 15%
- $1,000 deductible: Save 20%
- $3,000 deductible: Save 30%
- $10,000 deductible: Save 45%
Plus, we offer an extra 5% discount on top of these savings! Call us today to take advantage of these deals.
Go for No Pre-Existing Health Conditions Coverage
If the applicant is in good health, choosing a policy without coverage for pre-existing health conditions can lower premiums. However, this is only advisable if there are no significant health concerns. Please note the plans with pre existing health conditinos may be bit expensive, but they cover most health issues
Compare Quotes
Insurance premiums can vary widely between providers. Comparing quotes from different companies can help you find more affordable options. For instance, providers like Ingle often offer competitive rates. Be sure to review the policy wording and compare coverage limitations to ensure you’re making the best choice.
Explore Top Super Visa Insurance Companies in Canada
There are many good Super Visa insurance companies in Canada, and selecting the right one is a crucial decision. We have created a list of best selling and cheaper options, starting from the budget friendly providers. Some providers offer monthly payment plans, good for our pocket, though these may include a one-time setup fee, which is 50 to 120 dollars.
We always recommend reading the policy wording carefully and reviewing Google ratings before purchasing. If you want to read the policy wordings before purchase, click on any of the provider and save quote, the system will send you policy wording. While insurance reviews online can be mixed — and sometimes not entirely reflective of service quality — they still provide helpful insights when comparing providers.
Our pick are RIMI and Travel Shield, they are best and cheap options
1. Trustone Financial (Ingle Assurance)
Ingle assurance offers the cheapest super visa insurance plans in the Canadian market. Monthly payment plan offers another peace of mind, pay in easy installments. Estimated prices for age 50 is starting as low as $65/Month with deductibles.
Get no obligation quote with Pre-Existing and Non Pre Existing health conditions
2. Travel Shield
A leader in the Canadian travel insurance market, Travel Shield offers competitive pricing and a variety of plans to suit your needs. Whether you choose Plan A, Plan B, or the comprehensive plan, you’ll get coverage that fits your budget. This is the only company offers visit to family doctors subject to plan conditions.
Get no obligation quote here, you will be able to send quote to your email before payment to read policy wordings
Three options to choose from – Plan A, B, and Comprehensive
Option to pay in instalments
Customizable options, can add AD & D if needed
3. RIMI – Secure Travel
Secure Travel: RIMI is known for its reliable and affordable Super Visa insurance plans. They offer two options – standard and enhanced. Starting at just $65/month, with plans even covering pre-existing conditions. They offer accidental death and dismemberment coverage with in the basic plan. If you are looking for higher coverage amounts, go for RIMI, you can get up to 1 Million coverage.
Get a no obligation quote now, at the bottom of application form you will see “Save Quote” button, click it and then email to yourself to read policy wording before payment.
Monthly payment plan
Coverage options from $100,000 to 1 Million
Standred(Basic) plan also offer insurance for pre existing health conditions
4. Travelance
Highly regarded for its customer service and value, Travelance offers two key Super Visa plans: the Enhanced and Premier plans. The Premier plan is particularly appealing for those with stable pre-existing conditions. Plans under written by old republic insurance company of Canada, claim support offered with ClaimAssist.
Options for both pre-existing and non pre-exiting travelers
Montly payment option – with lowest transaction fee
Get up to 45% discount with deductibles
5. Manulife
Manulife is a trusted name in the insurance industry, with over 130 years of experience. They offer two distinct Super Visa insurance plans: Plan A, starting at $2,100, and Plan B, starting at $2,250, which includes coverage for pre-existing conditions. With Manulife, you’re in good hands. Manulife is in financial market since 130 years with 807 Billion global assets.
Manulife offers multiple financial and insurance products, 3.7* google reviews are based on whole company. It is a good company, even though its products are a bit pricey. Individually, Manulife travel insurance does not have any Google reviews. Everyone posting reviews according to their individual website.
Get a no obligation quote here and send policy working to your email before payment.
Offers two plans – Plan A for Non Pre Existing health conditions and Plan B for Pre Exiting Health Conditions
Manulife since 130 years in business
Global approach, offices available worldwide
6. Destination Travel Group
Another Canadian carrier in travel insurance market. The destination group offers the best plans in the market, starting as low as $1350, estimated.
Another good Canadian company for super visa insurance. Underwritten by Manulife, Destination Travel offers both basic and comprehensive plans, means plans with and without pre-existing health conditions. Here are the 3* google reviews, Destination offers multiple products, so the reviews are based on whole company.
Get Destination Travel Group super visa insurance quote here
Offer monthly payment plan also
Under written by Zurich Insurance
Easily customizable plans for all needs
7. Tugo Travel Insurance
If you are looking for super visa coverage with pre-existing health conditions and short stability period, go for it. TuGo offers best travel coverage plans, under written by IA, prices to sell and lenient at claims. People rated TuGo on Google under 3 stars.
We highly recommend to read the policy wordings, no obligation quote and policy wording available here.
They accept 7 days stability period(for certain age limits), shortest in industry
Custom plans, optional addons for travel delays and baggage also
Products underwritten by Industrial Alliance, renowned insurance company
8. GMS Super Visa Insurance
Group medical services is another great Canadian super visa insurance company. GMS offers plans with pre – existing medical conditions, from $1500 approx onwards.
Group Medical Services is a good Canadian company for coverage. The GMS super visa insurance is good for pre-existing health conditions, subject to the terms of the contract. Read the GMS 3.3* google reviews are based on whole company.
GMS offer simple one page form, fill here and cost and policy details before payment.
Simple application form
Plan with pre existing health condition
Very competitive rates for certain age groups and with deductibles
9. Allianz Global Assistance
Allianz global travel insurance plans are popular worldwide, they have all types of travel insurance plans. For super visa insurance, Allianz global assistance offers a plan with pre existing coverage. They got 1.2 stars on Google.
Read the Allianz global policy details here, and check prices.
Global company
Multiple travel insurance products
Plan with pre existing medical conditions
Read our super visa FAQ section or contact us for more information on application requirements, super visa cost and super visa processing times.
Why Super Visa?
The Super Visa allows parents and grandparents of Canadian citizens and permanent residents to visit and stay in Canada for extended periods. However, before you can embark on this exciting journey, there’s one crucial requirement: Super Visa insurance. This insurance provides the necessary health coverage to ensure that if the unexpected happens—like an illness or injury—you’re fully covered.
Immigration Requirements for Super Visa Application
To qualify for a Super Visa, Canadian immigration requires that you have a minimum of $100,000 in medical coverage issued by a Canadian insurance company. This coverage must be valid for at least one year. Beyond the insurance, you’ll also need a sponsorship letter from your family member in Canada and proof of your relationship with them. On top of it, you need super visa income requirements, depending upon the family size.
Super Visa Insurance FAQ
The Canadian government introduced super visas in 2011 for visitors who want to stay longer in Canada. In other words, the super visa is for Canadian citizens and Permanent residents who want to bring their parents to Canada.
How much coverage is necessary?
The super visa insurance, also called super visa medical insurance, is the emergency medical coverage from a Canadian company. All applicants must have 100K medical coverage from a Canadian company before entering in Canada.
When to buy insurance for super visa?
You need to purchase it before submitting application. As per immigration Canada, you need $100,000 coverage from a Canadian company. We got you covered, scroll up to the page and click on any company of your choice, fill up the form and medical insurance for super visa application will be delivered in to your inbox in 5 mins.
What is deductible in super visa insurance?
The deductible is great way to lower the premium, but you have to pay the bill up to deductible upon claim. Adding a deductible reduces the premium to a significant level, as
- $250 deductible: Save 10%
- $500 deductible: Save 15%
- $1,000 deductible: Save 20%
- $3,000 deductible: Save 30%
- $10,000 deductible: Save 45%
When do I need super visa insurance plan?
At the time of super visa application, you need 100K emergency medical coverage from a Canadian company. Officers may ask you to produce a proof of coverage on airport.
Can I cancel it?
You might decide to cancel after getting a super visa. However, you might need a valid reason, otherwise, the refund amount subject to deductions. Please read the policy wording before buying, some companies offer 10 days free examine period, which is good to read the policy wording and keeping it accordingly.
Is medical insurance for super visa is refundable?
Yes, the super visa insurance is refundable, subject to cancellation fees or penalties. However, some companies offer free cancellations and refunds, upon refusal or early return to the home country.
The refund policy for Super Visa insurance varies depending on the insurance provider and the terms of the policy. Some insurance providers may offer a refund if the insured person’s visa application is rejected or if they decide not to use the policy before the start date of coverage. However, once the policy has started, it may not be refundable.
It is important to carefully review the terms and conditions of the Super Visa insurance policy and speak with the insurance provider to understand their refund policy before purchasing the policy.
What are the benefits of a super visa?
A super visa holder can stay in Canada for up to 5+2 years, it is valid for 10 years. Apart from this, the super visa success rate is highest, there are fewer chances of refusal. If your application meets the requirements, you will get a visa. Another advantage of super visa is the short processing times, in the past some people got it stamped in 2 weeks.
Will parents on super visas get PR?
A super visa holder may not work in Canada, however one can apply for PR filing a separate PR application. There is no provision to convert a super visa to permanent residency.
Is medical required for a super visa?
Yes, your parents or grandparents must be medically fit to enter Canada. Here is the link for more information on medical requirements.
Super visa medical requirements.
How much does super visa insurance cost?
The average super visa insurance cost is $100 to $200 per month. The super visa insurance cost depends upon the following factors.
- Age.
- Health Condition.
- Deductible amount.
- Length of coverage.
- Amount of Coverage
- Another important factor in super visa insurance premium is the number of applicants. Super visa insurance is cheaper for couples than two individual policies.
Can I extend my super visa insurance start date?
Yes, the Super Visa Insurance start date can be extended, because when we apply for it, the date is intended, not fixed. So, If the visa processing is delayed for any reason, the start date can be extended for free.
Is super visa insurance refundable?
Yes, if the visa is denied for any reason, the insurance refund is also available. On the other hand, if the visa holder has to return prematurely, most super visa insurance companies refund the plan subject to admin charges.
How long can you stay on a super visa in Canada?
5 years. The super visa is a multiple entry visa that provides multiple entries up to 10 years. The key difference between a super visa and visitor visa is a visitor visa holder can stay up to 6 months in Canada, and a super visa holder can stay up to 7 years.
You can also apply to extend your stay in Canada, however you must apply for an extension 30 days before your current status expires.
Does super visa insurance cover family doctor visits?
The plans are for emergency medical expenses. Please read the policy wording for further details, most of the time regular checkup visits are not covered. Please read the policy wordings, especially exclusions to find out more on coverage conditions. This is a type of travel medical insurance that provides coverage for emergency medical expenses while visiting Canada. Generally, this does not cover routine visits to a family doctor or general practitioner.
However, some plans may offer additional coverage for non-emergency medical expenses, including visits to a family doctor. It is important to carefully review the terms and conditions of the policy to determine what types of medical expenses are covered. If coverage for routine doctor visits is important to you, you may want to consider purchasing a more comprehensive health insurance plan that provides coverage for non-emergency medical expenses.
Can I apply for a super visa from within Canada?
No, you can not apply for a super visa if the applicant is in Canada. The applicant must be out of Canada at the time of super visa application.
Why is super visa rejected?
Misrepresentation, lack of required documents may be the reason behind super visa refusal. Always seek expert help for application, we are here to help you, our experts have extensive experience in super visa application.
How to reapply rejected super visa?
You can re apply for a super visa if it is rejected, however applying with the same circumstances may not change the decision. For higher chances, explain and provide enough evidences to support your new application
Can I call my parents to Canada after PR?
Yes, you can sponsor your parents to Canada meeting all the requirements. As of today, there is a separate parent sponsorship program available for parents and grandparents.
Can parents work on Super visa?
No, a super visa is for visiting purposes, not for work, so no body can work in Canada on a visitor status.
What is the difference between a super visa and visitor visa?
The biggest difference between super visa and visitor visa is length of stay in Canada. A super visa holder can stay in Canada for 7 years and visitor visa holder can stay up to 6 months.
Which is a better? Visitor visa or super visa.
Super visa is better for parents and grandparents, because of the low refusal rate and longer stay option in Canada.
What are the requirements for a Super Visa application?
As part of the application process, applicants must confirm they have :
– A minimum of $100,000 CAD in emergency medical travel insurance coverage in place for at least one year after arriving in Canada.
Proof that the medical insurance premium has been paid.
– A signed letter from your child or grandchild, inviting you to Canada and a promise that they will be able to provide financial support.
For more details on the application process, please visit Immigration and Citizenship Canada.
Can I purchase an insurance plan on behalf of my visiting family?
Yes, you can purchase emergency medical insurance for your parents or grandparents. You can purchase super visa insurance from any part of the world.
How much does Super Visa insurance coverage cost?
The cost varies according to the applicant’s age, the policy length, medical history, and the amount of coverage. For couples, purchasing an insurance plan together may be cheaper than buying as individuals.
Can my parents and/or grandparents apply for a Super Visa during the COVID-19 pandemic?
Yes, super visa applications are open in pandemic also, however the processing time is affected but applications are open.
Do super visa plans cover covid?
Yes, most super visa policies reimburse hospitalization expenses due to covid.
Do plans offered by Allianz Global Assistance cover treatment for COVID-19 while staying in Canada?
Yes, policyholders with a visitors to Canada plan from Allianz global cover covid related sickness. Contact us for Allianz Global super visa insurance.
Do I have to purchase emergency medical insurance from a Canadian insurance company?
Yes, as per immigration Canada, to be eligible for a super visa, you need 100K coverage from a Canadian company for up to 1 year.
Super visa insurance reviews
In order to apply for a super visa, you must have 100K of emergency medical insurance from a Canadian company. According to the contract, the insurance company will pay 100K dollars for emergency medical services if required. This is why it is important to choose a good company when buying a super visa plan.
We highly recommend reading policy wording before any purchase, go through the exclusions section, scope of coverage and limitations. If you have questions when buying from this article, contact us on whatsapp, we will try our best to explain everything.
According to Google reviews, which company is the best? Your feedback after reading reviews is highly appreciated.
Still have questions?
We are ready to answer your questions. Remember, do not buy anything, where they through you in gray area.
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Super Visa Insurance is such a crucial aspect of the Super Visa process, and this article does a great job explaining why it’s necessary and how to navigate the options. For families wanting to bring their parents or grandparents to Canada for an extended stay, getting the right insurance coverage isn’t just a formality—it’s a requirement. The breakdown of coverage details, including emergency medical expenses, hospital stays, and repatriation, makes it clear why this insurance is so important.
What stands out is the emphasis on choosing the right plan. With so many providers offering different levels of coverage, applicants need to ensure they’re meeting government requirements while also securing a plan that offers the best protection. It’s also great that the article highlights the cost factors—age, coverage amount, and pre-existing conditions can all influence the final price.
I also appreciate the tips on comparing different plans and looking beyond just the cost. After all, peace of mind is priceless when it comes to ensuring the health and safety of visiting loved ones. This guide is definitely a must-read for anyone applying for a Super Visa!