A Medical insurance is a necessary component of any Super visa application. The IRCC mandates that applicants must be covered by medical insurance for a year from a private Canadian insurance company. The IRCC also specifies that the medical insurance must have a minimum emergency coverage of $100,000.
Where to shop for a Super visa medical insurance?
Currently, Super visa applicants can only get their medical coverage from Canadian insurance providers. The Canadian government has plans to designate more international medical insurance companies in the future.
Comparison of Super visa insurance policies
To better understand the Super visa insurance market, we’ll list some policies available with different Canadian insurers as shown on MySuperVisa. The policies are tailored for a:
- Single applicant
- age 50
- for a coverage amount of $100,000
- excluding coverage for pre-existing medical conditions
- for one year
- with a maximum deductible of $500
| Plan |
The rate for a single person |
Benefits |
| Travel Shield- Starr Plan 2 |
$991.44 |
- Allows side trips for any length of time worldwide (except country of origin) as long as a majority of the trip is in Canada
- Dental Emergency Relief up to $300, and up to $3,000 for Dental Accidents
- Prescription Drug cover up to a 30-day supply
- Paramedical Services coverage up to a maximum of $500
- Private-Duty Nurse expenses coverage up to a maximum of $10,000
- Meals and Accommodations expenses covered up to $150 per day, with a maximum of 10 days
- Escort of Insured Dependent by way of a one-way economy airfare
|
| 21st Century Travel Insurance- Basic Plan |
$1,039.34 |
- Side trips allowed for 30 days to any destination worldwide (except country of origin) as long as a majority of the trip is in Canada
- Prescription Drug cover for a 30-day supply for up to $500.
- Paramedical Services coverage up to $1,000
- Private-Duty Nurse expenses coverage up to $5,000
|
| JF Insurance- Royal Plan |
$1,047.55 |
- Dental Emergency Relief up to $500, and up to $3,000 for Dental Accident
- Prescription Drugs cover up to 30-days supply unless hospitalized
- Paramedical Services expense coverage up to $500 per category of practitioner
- Accidental Death & Dismemberment coverage of up to $150,000
|
| Travelance- Essential Plan |
$1,057.95 |
- Side-Trip coverage up to 45 days long when the majority of your trip is in Canada
- Dental Emergency Relief up to $500, and up to $4,000 for Dental Accident
- Prescription Drugs covered up to $1,000 per occurrence
- Paramedical Services covered only in case of a medical emergency
- Accidental Death & Dismemberment coverage of up to $100,000
|
| Destination Canada- Plan Option 2 |
$1,070.36 |
- Dental Emergency Relief up to $500, and up to $3,000 for Dental Accident
- Prescription Drugs covered up to $500, not to exceed 1 month-supply
- Paramedical Services expense coverage up to $500 per category of practitioner
- Private Duty Registered Nurse expense coverage up to $10,000
- Out-Patient Treatment expense coverage, only if provided by the hospital, in case of emergency
- Meals and Accommodations expense coverage of up to $150 per day, with maximum coverage of $1,500
- Transportation of Family or Friend expenses coverage up to $3,000
- Accidental Death & Dismemberment coverage of up to the maximum sum insured, but not exceeding $150,000
- Flight Accident coverage of up to the maximum sum insured, but not exceeding $50,000
|
| Manulife- Plan A |
$1,476.79 |
- Side-Trips of any length to any country (except the country of origin) as long as 51% of the trip is in Canada
- Dental Emergency Relief up to $300, and up to $4,000 for Dental Accident
- Prescription Drugs are covered but are only available with a prescription from a physician or dentist
- Paramedical Services expense coverage up to $70 per visit to a maximum of $700 for a covered injury
- Private Duty Registered Nurse expense coverage is available
- Child Care expenses coverage up to $100 per day, for a maximum of $300
- Out-of-Pocket expenses coverage up to a maximum of $300
- Meals and Accommodations expense coverage of up to $150 per day, with a maximum of $1,500
- Escort of Insured Dependent by way of a one-way economy airfare
- Transportation of Family or Friend expenses coverage available
- Accidental Death & Dismemberment coverage of up to $50,000
|
| Blue Cross- Visitor Plan |
$1,518.88 |
- Side-Trip coverage up to 30 days long when the majority of your trip is in Canada
- Dental Emergency Relief up to $500, and up to $2,000 for Dental Accident
- Prescription Drugs covered in conjunction with emergency treatment
- Paramedical Services expense coverage up to $300 per category of practitioner
- Private Duty Registered Nurse expense coverage is available only in hospital
- Out-Patient Treatment expense coverage, only if provided by the hospital, in case of emergency
- Child Care expenses coverage up to $300 per day, for a maximum of $1,200
- Meals and Accommodations expense coverage of up to $100 per day, with a maximum of $1,000
- Escort of Insured Dependent only in case of child repatriation
- Return of Baggage expenses coverage up to $300
- Accidental Death & Dismemberment coverage of up to $300,000
|
These are just some examples of Super visa insurance quotes. You will find yourself paying different rates depending on your situation, the applicant’s age, pre-existing conditions, fluctuations in the market and your choice of amount deductible.
As shown, each policy varies in price and benefits provided, and naturally, the more expensive ones cover more situations you could encounter during your Canadian visit.
Picking the right Super visa insurance policy
While price is an important consideration in a Super visa insurance policy, it is not all. Finding the ideal policy is about understanding your current needs and adjusting for the future. The obvious things you’ll want to look out for are the coverage provided, how it stacks up to similar policies, Customer reviews, availability of monthly payment plans, ease of claiming process, the duration and multi-trip coverages.
