How much does Super Visa insurance cost in Ontario? (2026)
Super Visa insurance in Ontario typically costs roughly $1,000–$3,500 per year per parent, depending mainly on age, coverage amount ($100,000+ required) and any pre-existing conditions. IRCC requires at least $100,000 in emergency medical coverage valid for 365 days from a Canadian insurer.
Key takeaways
- IRCC requires at least $100,000 in medical coverage valid for 365 days.
- Age and coverage amount are the biggest price drivers.
- Monthly-payment and partial-refund options exist if the parent leaves early.
- You get proof of coverage to include with the visa application.
Super Visa insurance is the single biggest cost most families face when bringing a parent or grandparent to Canada long-term. Because the government requires a full year of medical coverage, the premium is larger than a typical visitor policy — but the price range is predictable once you know what drives it.
What the price depends on
The premium is set mainly by three things: the age of the parent or grandparent, the coverage amount you choose (the minimum is $100,000, but $150,000 and $200,000 options exist), and whether there are pre-existing medical conditions that need stability-based coverage. A higher deductible lowers the premium.
Ways to lower the cost
Choosing the minimum compliant coverage, opting for a higher deductible, and using a monthly-payment plan with a refund option (so you aren’t paying for months the parent isn’t in Canada) are the most common ways families reduce the outlay. Always weigh a lower premium against the protection you’d actually want in a real emergency.
Meeting IRCC requirements
The policy must provide at least $100,000, be valid for 365 days, and come from a Canadian insurer. Our Super Visa plans are built to satisfy these rules, and you receive proof of coverage to submit with the application.
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Purchase now →Frequently asked questions
What are the minimum Super Visa insurance requirements?
At least $100,000 in emergency medical coverage, valid for a minimum of one year (365 days) from the date of entry, from a Canadian insurance company. The policy must cover healthcare, hospitalization and repatriation.
Can I pay for Super Visa insurance monthly?
Yes. Several insurers, including TripCovered, offer monthly-payment options for 365-day Super Visa policies, and may refund the unused portion if your parent returns home early and makes no claim.
Does the parent need the insurance before the visa is approved?
You generally buy a policy and submit proof of coverage with the application. If the visa is refused, most insurers refund the premium (minus any administration fee).
TripCovered is a licensed insurance referral service operating in Ontario. Insurance is administered by North American Air Travel Insurance Agents Ltd., doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation. Coverage is subject to the terms, conditions, limitations and exclusions of the policy. This website provides general information only and is not a contract of insurance. Always read your policy wording before you travel.