What Is Super Visa? – Summary, Insurance, Its Cost, And More
A super visa allows a parent or grandparent of a Canadian citizen or permanent resident to visit their child or grandchild up to two years old at a time.
If you plan to visit your child or grandchild in Canada for more than six consecutive months, you will need a so-called super visa, like Immigration, Refugees, and Citizenship Canada (IRCC) call it.
What Is Super Visa Insurance?
One of the situations for approval of a super visa is that you have medical insurance with a Canadian insurance company that will cover you for at least one year from the date of entry into Canada. So it is Super Visa insurance or Super Visa health insurance.
Canada wants to ensure that the publicly funded healthcare system is not financially burdened during visits. Therefore, you must prove that you have insurance that will cover all your medical needs while you are in Canada.
Requirements For Super Visas Insurance
IRCC states that the health insurance you purchase must meet all of the following requirements to be accepted:
- Health insurance must be purchased from a Canadian insurance company.
- It must be valid for at least one year from the date of entry into Canada.
- Insurance coverage must be at least $100,000.
- You must provide proof that you have taken out health insurance. A quote is not acceptable.
These are just the Super Visa insurance requirements, not the requirements for supervision itself. The complete requirements for approval of management are listed here.
Cost Of Super Visa Insurance
As with all health insurance, costs vary depending on the usual factors such as age, medical conditions and desired deductible.
However, if you are looking for a rough idea of the cost of super visa insurance, I have outlined some ranges below. These estimates are for a one-year policy with $100,000 coverage and a deductible ranging from zero to $1,000.
- A person in their 40s with no underlying medical condition should expect to pay between $800 and $1,800.
- In their 40s with no pre-existing medical condition, a couple costs between $1,600 and $3,600.
- Someone in their 60s with no underlying medical condition could expect to pay between $1,700 and $4,600.
- These ranges increase significantly if you have pre-existing conditions, with the cheapest for someone in their 60s with a stable pre-existing condition starting at around $2,200.
Monthly Super Visa Insurance
Of course, the premium for any Super visum health insurance is not negligible. So you may be watching for the best way to fund Canadian health insurance for supervision.
Suppose you’re struggling to find the money to pay the total annual premium upfront. In that case, some insurers offer monthly discounts for Super Visa insurance instead of paying the entire premium upfront.
Use A Credit Card To Pay Your Insurance Premium
In many cases, it may be better to purchase a low-interest credit card or line of credit to prepay your entire annual premium and pay off your credit card balance over the year.
However, depending on the length of your stay in Canada, you may have difficulty obtaining a credit card. For more information on building your credit history and getting a credit card, see the credit history section of our Banks Canada article.
The Best Super Visa Insurance
In general, I think the best way to find super visa insurance is through a price comparison site.
The best policy depends on your situation. So I can’t recommend any particular product or insurance: what’s cheaper for one person might not be for another.
It’s pretty simple: enter a few basic details about the coverage you want (dates, ages of people you want to protect, etc.) and the site will search a wide range of providers to find the best deals for your situation.