How Much Does Super Visa Insurance Cost in 2025? Real Quotes & What Affects Your Rate
How Much Does Super Visa Insurance Cost in 2025? Real Quotes & What Affects Your Rate
Bringing your parents or grandparents to Canada on a Super Visa is one of the most heartwarming decisions an immigrant family can make. But before the flights are booked and the hugs exchanged at the airport, there's a critical requirement to check off: Super Visa insurance.
If you're planning to apply for a Super Visa in 2025, understanding the cost of Super Visa insurance is essential. Prices can vary widely depending on age, medical history, length of stay, and the plan you choose. In this blog, we'll break down real pricing ranges, explain what affects those costs, and show you how DaddySafe makes comparing plans effortless.
What Is Super Visa Insurance?
Super Visa Insurance is mandatory for anyone applying for a Super Visa. It provides coverage for emergency medical care during the parent or grandparent's stay in Canada.
According to IRCC requirements, a Super Visa insurance policy must:
Be issued by a Canadian insurance company
Provide at least $100,000 in medical coverage
Be valid for a minimum of 1 year from the date of entry
Cover health care, hospitalization, and repatriation
When Should You Buy Super Visa Insurance?
You should purchase Super Visa insurance before submitting your Super Visa application, as proof of insurance is required at the time of application.
If you are applying from outside Canada, buy the insurance policy with a start date matching your expected travel date.
If you're renewing or extending a Super Visa while already in Canada, ensure your new policy starts immediately after the previous one expires.
Some insurers also offer a full refund if the visa is denied or travel plans change (as long as no claims are made), so it’s safe to buy early.
Average Cost of Super Visa Insurance in 2025 (Based on Real Quotes)
Below are the estimated price ranges for Super Visa Insurance in 2025, based on real-time quotes from top Canadian providers like Manulife, Zurich, GMS, and 21st Century:
Age Group | With Pre-Existing Conditions Coverage | Without Pre-Existing Conditions | Deductible ($0) | Deductible ($1,000) |
|---|---|---|---|---|
45-59 | $900 - $1,100 | $750 - $950 | Higher | Lower |
60-69 | $1,200 - $1,800 | $1,000 - $1,500 | Higher | Lower |
70-79 | $1,800 - $3,000+ | $1,600 - $2,600 | Higher | Lower |
80+ | $3,200 - $5,000+ | $2,800 - $4,200 | Higher | Lower |
Note: These are estimates for a 1-year policy with $100,000 in coverage. Prices can vary based on provider, deductible amount, and health declarations.
What Factors Affect Super Visa Insurance Costs?
Age of the Applicant
Older applicants face higher premiums due to increased risk of medical issues.
Coverage for Pre-existing Conditions
If you choose a plan that includes coverage for stable pre-existing medical conditions (like diabetes or high blood pressure), expect higher premiums.
Deductible Amount
A deductible is the amount you agree to pay out of pocket before insurance kicks in. The higher the deductible, the lower the premium. Most plans offer flexible deductible options from $0 to $5,000.
Length of Coverage
The Super Visa requires at least 1 year of insurance, but you can purchase longer periods. A 2-year policy will typically cost about 1.8x the 1-year rate (not double, due to discounting).
Coverage Amount
While $100,000 is the minimum required, some families choose $150,000 or $300,000 coverage for better protection. More coverage equals higher premiums.
Plan Type & Provider
Comprehensive plans with more inclusions cost more. Zurich, Manulife, and GMS all offer different features and price points.
Sample Scenario
Example: A 67-year-old father visiting for 1 year, with no pre-existing condition, $100,000 coverage, and $1,000 deductible.
GMS: $1,120
Manulife: $1,290
Zurich (via Destination Travel Group): $1,370
21st Century: $1,250
By comparing quotes on DaddySafe.ca, this family saved over $200 on the same required coverage.
Why Use DaddySafe to Compare Super Visa Insurance?
Instead of calling multiple providers, DaddySafe lets you:
See live quotes from top Canadian insurers
Filter by price, deductible, age, and coverage
Instantly download insurance documents for Super Visa application
Avoid confusion and get transparent comparisons
All within minutes, 100% online.
Final Thoughts: Don’t Overpay, Compare First
Super Visa Insurance is more than a visa requirement, it's your parents’ healthcare safety net in Canada. But that doesn’t mean you should overpay or choose blindly.
DaddySafe empowers you to compare quotes, understand coverage, and buy the plan that fits your budget — all in one place.
Visit DaddySafe.ca today to get instant Super Visa Insurance quotes for 2025.
Because every reunion deserves to be worry-free.
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