How Much Does Super Visa Insurance Cost? (And Why It’s Worth It)
When preparing to bring your parents or grandparents to Canada on a Super Visa, one of the biggest questions is: “How much will the insurance cost?” The truth is it depends. Super Visa insurance is priced based on several factors, but one thing is constant: it's far more affordable than the cost of a medical emergency without coverage.
In this blog, we’ll break down what affects Super Visa insurance costs, typical price ranges, how to reduce your premium without compromising safety, and why it’s an investment not an expense.
What Factors Affect the Cost?
Insurance providers calculate your premium based on:
Age of the visitor
Older applicants (especially over 70) pay higher premiums
Coverage amount
Minimum required is $100,000, but some choose $150,000 or $300,000 for extra protection
Length of coverage
Policies are typically for 365 days, even if the visitor only stays a few months
Pre-existing condition coverage
Plans that include this are usually more expensive, especially with a short stability period
Deductible amount
Higher deductibles (the amount you pay before insurance kicks in) lower your premium
Insurance company & plan type
Some companies offer lower base rates or family discounts
Average Costs of Super Visa Insurance
Here's a rough estimate based on current market rates in Canada:
Visitor Age | Without Pre-existing Condition | With Pre-existing Condition |
|---|---|---|
50–59 | $900–$1,300/year | $1,200–$1,600/year |
60–69 | $1,300–$1,800/year | $1,600–$2,300/year |
70–79 | $1,800–$2,800/year | $2,500–$4,000/year |
80+ | $3,000–$5,000/year | $4,000+/year |
Note: These are sample ranges and can vary depending on the insurer, deductible, and health condition.
How to Reduce Your Premium
Here are smart ways to lower your cost while still getting great coverage:
Increase your deductible: Choosing a $1,000 deductible can lower premiums by 25–40%
Buy early: Some insurers offer early bird rates or no waiting period if bought before arrival
Compare plans: Use DaddySafe to view side-by-side pricing from top insurers
Avoid unnecessary add-ons: Only pay for what your parent truly needs
Bundle or get annual coverage: Some policies offer discounts for full-year or bundled family plans
Why It’s Worth It
While spending $1,500–$2,000 on insurance may seem like a lot, it’s a fraction of what a single emergency visit might cost:
Broken arm: $3,000–$6,000
Heart issue: $15,000+
Hospitalization: $3,000+/night
Ambulance: $500–$1,000
Super Visa insurance protects your family from these massive, unexpected expenses. It also gives your parents access to timely care during their stay in Canada — with no delay or red tape.
Real-Life Example
“Last winter, my father slipped on ice and fractured his wrist. Thanks to the Super Visa insurance I bought from DaddySafe, everything from the ambulance to surgery was covered. The total bill was over $8,000. We paid nothing.”
How DaddySafe Makes It Easy
At DaddySafe, you can:
Compare plans instantly from trusted Canadian insurers
Sort by price, coverage, pre-existing condition support, and more
Buy online in just minutes
Get support from real humans who understand Indian and South Asian family needs
Final Thoughts
The cost of Super Visa insurance is a small price to pay for peace of mind. Whether it’s a mild illness or a serious emergency, having the right plan ensures your loved ones are protected and you don’t face the emotional and financial strain alone.
Use DaddySafe.ca to compare and buy Super Visa insurance online with Protection with Pyaar.
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