What is super visa insurance and how much does it cost?

What is a super visa?

If you want to visit your child or grandchild in Canada for more than six months, you will need what Immigration, Refugees, and Citizenship Canada (IRCC) refers to as a super visa.

A super visa permits a parent or grandparent of a Canadian citizen or permanent resident to spend up to two years visiting their kid or grandchild.

The super visa is valid for ten years and allows for repeated visits to Canada – as long as each stay does not exceed two years.

If you want to stay for less than six months, you do not require a super visa. All you'd need is a regular visitor visa or, if you're from a visa-exempt nation, an Electronic Travel Authorization (eTA) and standard visitor to Canada health insurance.  Click the link to Check out the best super visa insurance Canada information.

What is super visa insurance?

One of the prerequisites for obtaining a super visa is to have medical insurance from a Canadian insurance carrier that covers you for at least one year from the date of admission into Canada. This is what super visa insurance, often known as super visa health insurance.

Essentially, Canada wants to ensure that your vacation will not place a financial strain on the country's publicly financed health-care system. As a result, you must demonstrate that you have insurance that will cover you for any medical requirements you may have while in Canada.

Super visa insurance requirements

According to IRCC, the health insurance you obtain must fulfil all of the following criteria in order to be accepted:

• Medical insurance from a Canadian insurance company is required.
• It must be valid for a minimum of one year from the date of arrival into Canada.
• The policy must provide at least $100,000 in coverage.
• You must have confirmation that you have obtained health insurance. A quotation is insufficient.

Super visa insurance cost

The cost will vary, as with any medical insurance, depending on the standard considerations such as your age, pre-existing medical problems, and the deductible you choose.

Having said that, if you're searching for a ballpark figure for super visa insurance, I've included some ranges below. These figures are for a one-year insurance with $100,000 of coverage and a deductible of between zero and $1,000.

• A person in their mid-forties with no pre-existing medical conditions should budget between $800 to $1,800.
• A mid-forties couple with no pre-existing medical issues will pay between $1,600 and $3,600.
• A person in their early 70s who has no pre-existing medical issues might expect to spend between $1,700 and $4,600.
• Those ranges rise dramatically if you have pre-existing medical illnesses, with the lowest starting at roughly $2,200 for someone in their early 70s with a stable insurance pre-existing medical condition.

Super visa insurance monthly Plans

Clearly, the cost of super visa health insurance is not insignificant. As a result, you may be considering the best approach to pay for Canadian medical insurance for a super visa.

If you can't afford to pay the full year's fee up front, a few insurers has the super visa insurance monthly plans rather than in one lump sum.

Monthly payments will almost surely result in you spending far more over the duration of the policy than if you paid the entire cost up front.

Pay monthly insurance products might be up to 30% more expensive than pay upfront insurance policies, according to our analysis.

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