Super Visa Insurance Cost (Canada 2025): Average Rates & Guide
Super Visa Medical Insurance in Canada (2025): Average Premiums + Insurer Rate Comparison
Meta Description: Explore 2025 average costs for Super Visa medical insurance in Canada, with insurer-by-insurer premium rate comparisons and key pricing factors.
1️⃣ Overview
The Super Visa program allows parents and grandparents of Canadian citizens or permanent residents to stay in Canada for up to two years at a time, and requires medical insurance from a Canadian (or approved) insurer with minimum CAD $100,000 coverage for at least one year. Premiums vary widely by age, coverage amount, deductible, and pre-existing condition status. This article looks at typical cost ranges and compares sample insurer rates for 2025.
2️⃣ Average Premiums in 2025
Here are typical pricing benchmarks for Super Visa medical insurance:
- According to rates.ca, the average cost for one person for one year is CAD $100–200/month (~CAD $1,200–2,400 annually) for standard coverage (~CAD $100,000) without major health issues.
- InsuranceHotline reports an average annual premium of ~CAD $1,660 (~CAD $138/month) for an individual with CAD $100,000 coverage and ~CAD $1,000 deductible.
- Some sources note premiums may vary from CAD $550 to over CAD $5,000 depending on age, health, coverage amount, and deductible.
In summary, for healthy applicants under ~60 years old with no major pre-existing conditions, expect somewhere around CAD $1,000–3,000 per year for the minimum compliance coverage. Older age groups (70+) or those with conditions may pay significantly more.
3️⃣ Sample Insurer Rate Comparison (2025)
Below is a snapshot of sample monthly premium rates from several insurers for standard CAD $100,000 coverage without major pre-existing conditions (figures approximate and illustrative only):
| Insurer | Age | Monthly Premium (approx.) | Notes |
|---|---|---|---|
| RIMI (Secure Travel) | 55 yrs | ~CAD $111.63 | Standard coverage; no major condition. |
| RIMI (Secure Travel) | 70 yrs | ~CAD $214.13 | Standard coverage; older age shows jump. |
| 21st Century Travel Insurance | 55 yrs | ~CAD $113.76 | Competitive low-base premium option. |
| 21st Century Travel Insurance | 75 yrs | ~CAD $278.01 | Standard coverage; illustrates older-age premium impact. |
| Destination Canada Travel Insurance | 65 yrs | ~CAD $183.38 | Standard coverage; moderate age. |
| GMS (Global Medical Services) | any age (low-deductible option) | Varies; known for low deductible competitive pricing | Focus on low-deductible plans. |
| Manulife Financial | various ages | Premiums higher but value-added services | Less focused on lowest cost, more on features. |
4️⃣ Key Factors Affecting Premiums
- Age: Premiums increase steeply with each decade past ~60–65.
- Coverage amount: Higher limits (e.g., CAD $150,000+) increase cost.
- Deductible amount: Higher deductibles lower premiums; lower deductibles increase them.
- Health conditions: Chronic conditions or recent treatments raise premiums.
- Length of stay: One-year minimum, longer or multiple entries may raise price.
- Provider features: Extra benefits like dental or repatriation increase cost.
5️⃣ Tips for Selecting and Saving on Super Visa Insurance
- Get multiple quotes early to compare deductible options and age tiers.
- Choosing a higher deductible can significantly reduce annual premium.
- Disclose all medical conditions to avoid denied claims.
- Consider monthly payment plans (many require two months upfront).
- Ensure coverage meets IRCC requirements (min CAD $100,000 for one year).
- Bundle policies for couples to get discounts.
FAQs
Q1. What is the minimum required coverage for Super Visa medical insurance?
A1. The minimum is CAD $100,000 in emergency medical coverage from a Canadian (or approved) insurer, valid at least one year.
Q2. Can I pay the premium monthly instead of a full year up-front?
A2. Yes — many insurers offer monthly payment plans (often with first two months’ premium paid at outset) to make coverage more affordable.
Q3. Does having a pre-existing medical condition invalidate the coverage?
A3. No — you can still get coverage, but premiums may be higher and you’ll need to meet stability requirements and disclose your condition.
Conclusion
For parents or grandparents visiting Canada under the Super Visa program, budgeting for medical insurance is essential. In 2025, healthy applicants under ~65 years old might expect premiums around CAD $1,000–2,500 annually (~CAD $100–200/month). Older applicants or those with conditions can pay CAD $200–300+/month. Comparing rates and adjusting deductibles helps find balance between cost and protection while meeting IRCC requirements.
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