If you are sponsoring your parents or grandparents to visit Canada on a Super Visa, one of the most important requirements is valid Canadian medical insurance. Without it, the application can be denied.

This guide explains what super visa insurance is, what it needs to cover, how much it costs, and how to get a competitive rate in Brampton.

The Super Visa is a multi-entry visa that allows parents and grandparents of Canadian citizens or permanent residents to stay in Canada for up to 5 years per visit and re-enter for up to 10 years total. It was created as a long-term alternative to the standard visitor visa.

Immigration, Refugees and Citizenship Canada requires super visa applicants to carry emergency medical insurance from a Canadian provider with:

• A minimum of $100,000 in coverage.
• At least one year of validity from the date of entry to Canada.
• Coverage for health care, hospitalization, and repatriation.

Costs vary based on the applicant's age and health. As a general guide, applicants aged 45-55 may pay approximately $1,200 to $1,800 per year, applicants aged 56-65 may pay approximately $1,800 to $2,800 per year, and applicants aged 66-75 may pay approximately $2,500 to $4,500 per year. Pre-existing conditions may increase premiums or require a waiting period.

Many Canadian insurers now offer monthly payment plans for super visa insurance, making it easier for families to manage the upfront cost. Ask your advisor about this when you get a quote.

Most insurers will refund your premium in full if the super visa application is denied, as long as no claims have been made. Always confirm the refund policy before purchasing.

SJ Financial helps Brampton families secure super visa insurance for parents and grandparents. We compare rates from multiple Canadian insurers and can often provide a policy letter the same day.

Call 416-707-9900 or visit our office at 26-241 Clarence St, Brampton.