An applicant sponsoring a Super Visa for their parents was comparing insurance quotes and asked about the right coverage amount, what pre-existing conditions like a dental issue would mean for coverage, and whether the premium could be paid in installments.
What the thread covered:- A real quote example: one member paid around $1,850 CAD through Manulife for their parents' super visa insurance — useful as a rough benchmark, though prices vary by age, coverage amount, and declared conditions.
- Pre-existing conditions must be declared, and they affect the price. Declaring something like a dental/tooth issue upfront is required and will factor into the quote — don't omit known conditions to get a lower quote.
- You must pay for the full year upfront, not in monthly installments. The thread specifically noted that IRCC has rejected super visa applications where the insurance was paid monthly rather than as a lump sum for the full year — this is a hard requirement, not just an insurer preference.
On coverage amount ($100,000 vs. higher) and exactly what's covered for something like a root canal, the thread didn't give a definitive answer — get itemized coverage details for dental/emergency procedures directly from your chosen insurer before purchasing.