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If you’re planning to bring your parents or grandparents to Canada under the Super Visa program, one of the key requirements is obtaining Super Visa Insurance. This insurance provides crucial emergency medical coverage for visitors and ensures they meet the visa requirements set by the Canadian government. But many families wonder: What affects the price of Super Visa Insurance quotes? In this blog, we’ll break it down in simple terms, so you know what to expect and how to get the best possible rate. What is Super Visa Insurance? Super Visa Insurance is a mandatory health insurance policy for parents and grandparents applying for a Super Visa to visit Canada. Unlike regular visitor visas, the Super Visa allows parents to stay in Canada for up to 2 years per visit and is valid for 10 years. To get approval, applicants must show proof of private medical insurance from a Canadian insurance provider. This insurance must: Be valid for at least one year. Provide a minimum coverage of $100,000. Cover healthcare, hospitalization, and repatriation. Why is Super Visa Insurance So Important? Canada’s public healthcare system does not cover temporary visitors. If a medical emergency happens, the cost can be overwhelming without coverage. Super Visa Insurance provides peace of mind to both families and visitors by covering medical emergencies, hospital stays, prescription drugs, and even return flights in case of health complications. Factors That Affect Super Visa Insurance Quotes When searching for a Super Visa Insurance quote, you’ll notice that prices vary. Let’s explore what drives the cost: 1. Age of the Applicant The age of the parent or grandparent is a major factor. Typically, the older the applicant, the higher the premium. Insurance companies consider older individuals more prone to health risks. 2. Medical History Some policies require a health questionnaire or a declaration of pre-existing conditions. If the applicant has health issues like diabetes, high blood pressure, or heart conditions, the premium may be higher, or certain conditions might be excluded. 3. Length of Stay Although Super Visa insurance must be valid for a minimum of one year, you can choose a policy based on how long your parents intend to stay. A longer stay might increase the premium, but many insurance providers offer prorated refunds if your parents leave Canada early. What should I consider when selecting the right Super Visa Insurance plan? You should consider whether the plan covers pre-existing conditions, the claim process, any exclusions or limitations, the possibility of partial refunds if the visitor leaves early, and the availability of customer support in emergencies. Why is it important to consider the coverage amount when choosing Super Visa Insurance? The coverage amount determines the level of protection; higher coverage like $150,000 or $300,000 will generally result in a higher premium, but it offers greater financial security in case of medical emergencies. How does the age of the applicant affect the insurance premium? Typically, the older the applicant, the higher the premium, because insurance companies consider older individuals to be at higher health risks. What factors influence the cost of Super Visa Insurance quotes? The cost of Super Visa Insurance quotes is influenced by factors such as the applicant's age, medical history, length of stay, coverage amount, deductibles, insurance provider, and whether the plan covers pre-existing conditions. What is Super Visa Insurance and why is it mandatory for visitors? Super Visa Insurance is a mandatory health insurance policy required for parents and grandparents applying for a Super Visa to visit Canada. It provides essential coverage for medical emergencies, hospital stays, and repatriation, and is necessary to meet Canadian visa requirements. 4. Coverage Amount The minimum required coverage is $100,000, but some families opt for higher coverage such as $150,000 or $300,000 for added protection. Naturally, the more coverage you choose, the higher the cost. 5. Deductibles A deductible is the amount you agree to pay out-of-pocket before the insurance kicks in. Choosing a higher deductible (e.g., $1,000 or $2,500) can significantly reduce your premium. However, you must ensure your parents are financially comfortable covering that amount in an emergency. 6. Insurance Provider Not all insurance providers charge the same. Some specialize in Super Visa Insurance Calgary or other cities and offer competitive pricing or discounts for families buying multiple policies. 7. Type of Plan: With or Without Pre-Existing Conditions Plans without coverage for pre-existing conditions are cheaper but riskier. If your parents have a stable medical condition and you choose a plan that covers it, the premium will be slightly higher but safer in the long run. Sample Super Visa Insurance Quotes in Calgary (2025 Update) While prices change frequently, here are estimated monthly premiums for a healthy 65-year-old parent visiting Calgary: $100,000 coverage, $0 deductible: ~$180 to $220/month $100,000 coverage, $1,000 deductible: ~$150 to $170/month $150,000 coverage, $0 deductible: ~$230 to $260/month Premiums increase with age, medical conditions, or lower deductibles. That’s why it’s important to compare quotes and understand what’s included. How to Choose the Right Super Visa Insurance? Choosing the right plan goes beyond just picking the cheapest quote. Keep in mind: Does the plan cover pre-existing conditions? What is the claim process like? Are there any exclusions or limitations? Can you get a partial refund if the visitor returns early? Is customer support available in emergencies? Why Choose Punjab Insurance Inc? At Punjab Insurance Inc, we specialize in parent Super Visa Insurance and understand the unique needs of families bringing loved ones to Canada. Whether you’re in Calgary or any other Canadian city, our advisors offer: ✅ Competitive quotes from top insurance companies ✅ Customized plans to match your family’s needs ✅ Help with paperwork and compliance ✅ Fast support in multiple languages We’ve helped thousands of families secure the right insurance to reunite with their loved ones without financial worry. Speak to a Trusted Advisor Today Ready to get a personalized Super Visa Insurance quote? Contact Gurinder Chahal with Punjab Insurance Inc today to speak with one of our knowledgeable insurance advisors. We’ll help you find the right coverage at the best possible rate — with honesty, clarity, and care. Bring your parents with peace of mind — we’ll make sure they’re protected every step of the way.Read Our Previous Blog Also:- Can I Buy Super Visa Insurance from My Home Country Insurance Company?

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