Super Visa · Victoria

Super Visa insurance in Victoria

Bringing your parents or grandparents to Victoria on a Super Visa? Compare quotes from licensed brokers in our network and secure the $100,000 of emergency medical coverage IRCC requires. Premiums are set by age and health, not by your address — and they're identical across British Columbia.

Quick answer

Super Visa insurance in Victoria must meet the same federal IRCC minimums as anywhere in Canada: at least $100,000 of emergency medical coverage from a Canadian insurer, valid for one year from entry, covering healthcare, hospitalization, and repatriation. A healthy visitor aged 60–64 typically pays $1,450–$2,100 a year for $100,000 of coverage. Victoria's recent newcomers come largely from the Philippines, India, and the United States, and partner brokers in our network can guide families through the application.

Super Visa insurance for Victoria families

A Super Visa lets the parents and grandparents of Canadian citizens and permanent residents stay for up to five years per entry, which is why families on Vancouver Island use it to bring elders over for long visits to neighbourhoods like Fairfield, James Bay, or Fernwood. IRCC requires proof of private medical insurance at the application stage: a Canadian insurer's policy carrying at least $100,000 in emergency medical coverage, valid for one year from the date of entry, and covering healthcare, hospitalization, and repatriation. A visiting parent is not enrolled in BC's Medical Services Plan, so this private policy is what protects the family from a large out-of-pocket bill if a medical emergency happens.

Victoria's immigrant profile is distinct from the big mainland metros. Greater Victoria has a smaller visible-minority share than Vancouver, and its established immigrant population leans toward the United Kingdom and the United States — but its recent newcomers come largely from the Philippines, India, and the US, and Tagalog, Punjabi, and Mandarin are among the immigrant languages spoken across the region. For Super Visa insurance, the language of the conversation matters most around pre-existing conditions: the single biggest issue for older applicants. Some policies cover conditions that have been stable for a defined period, others exclude them, and each insurer's definition of 'stable' differs — so comparing more than one quote, and reviewing the medical wording carefully, is worth the effort before you buy.

Why compare before you buy in Victoria

If your visiting parent needs emergency care in the capital region, they'll most likely be treated at Royal Jubilee Hospital in the Jubilee neighbourhood or at Victoria General Hospital in View Royal — both run by Island Health. Super Visa policies generally reimburse emergency treatment rather than paying the hospital directly, so ask each partner broker whether the insurer offers direct billing for in-patient stays and how claims are processed; that varies by carrier, not by city. The full Super Visa guide covers the IRCC requirements and the 7-step framework; see cost by age for typical pricing.

Hospitals and emergency care near Victoria

Super Visa insurance is emergency medical coverage, so it pays to know where your parents would be treated and whether the carrier bills the hospital directly. Facilities serving Victoria visitors include Royal Jubilee Hospital (Island Health), Victoria General Hospital (Island Health). Carriers with broad direct-pay networks settle bills with the hospital so your family avoids large upfront payments — a licensed broker can confirm which carriers offer direct pay near you.

What Super Visa insurance costs in Victoria

Super Visa premiums are set by the visitor's age and health and by the coverage amount you choose — not by your Victoria address. There's no Vancouver Island or capital-region surcharge, and premiums do not vary between Victoria, Saanich, or anywhere else in BC. The figures below are marketplace estimates for a healthy applicant buying $100,000 of coverage; your actual quote depends on age, medical history, and any optional add-ons, so it pays to compare a few.

Visitor age	Annual premium (est.)	Monthly equivalent
55–59	$1,100 – $1,650	$92 – $138
60–64	$1,450 – $2,100	$121 – $175
65–69	$1,850 – $2,700	$154 – $225
70–74	$2,400 – $3,500	$200 – $292
75–79	$3,200 – $4,800	$267 – $400
80+	$4,500 – $7,200	$375 – $600

Marketplace estimates for an IRCC-compliant policy — $100,000 coverage, $250 deductible, no pre-existing coverage, annual payment. Final premiums depend on the insurer's underwriting; a licensed broker confirms the bindable figure.

Estimate your parents' premium

Super Visa cost calculator

Adjust the details below for an instant estimate of an IRCC-compliant policy — at least $100,000 coverage, valid for 365 days, covering healthcare, hospitalization, and repatriation.

Parent or grandparent's age65

5090+

Coverage amount

$100,000 is the IRCC minimum. Brokers often suggest more for visitors over 65.

Deductible

A higher deductible lowers the premium but raises your out-of-pocket cost.

Cover stable pre-existing conditions?

Payment plan

Estimated premium

$148–$215/mo

≈ $1,775 – $2,583 over the 365-day term

These are estimates. A licensed broker confirms your exact, bindable premium after a quick medical questionnaire.

Get my Super Visa quotes 647-362-5511

Lowest Rates Hub connects you with licensed insurance brokers across Canada. Quotes are provided by partner brokers and the carriers they represent; LRH does not bind coverage or hold an insurance licence. Estimates are not bound coverage and depend on the insurer's underwriting and the information disclosed. Privacy policy.

Victoria Super Visa questions, answered

Premiums are based on the visitor's age, health, and the coverage amount — not on your Victoria postal code. For $100,000 of coverage, a healthy visitor aged 60–64 typically pays $1,450–$2,100 a year, and a healthy visitor aged 65–69 typically pays $1,850–$2,700. There is no Vancouver Island surcharge; the same applicant would pay the same in Nanaimo or Vancouver. Comparing two or three quotes from licensed brokers is the clearest way to see where your parent's age and medical history land.

The capital region's two main hospitals are Royal Jubilee Hospital, about three kilometres east of downtown in the Jubilee neighbourhood, and Victoria General Hospital in View Royal — both operated by Island Health. Royal Jubilee handles adult acute and emergency care, while Victoria General is the Island's centre for maternity, trauma, and neuroscience. Super Visa insurance covers emergency treatment at these sites, but because most policies reimburse rather than pay directly, ask each partner broker how the insurer handles claims.

Victoria's recent newcomers come largely from the Philippines and India, and Tagalog, Punjabi, Hindi, and Mandarin are among the immigrant languages spoken in the region. While Greater Victoria's immigrant community is smaller than Vancouver's, partner brokers in our network who serve the capital region can often help in those languages — it's worth asking when you request quotes, since reviewing the pre-existing-condition wording in your parent's first language helps avoid a denied claim later.

IRCC requires the policy to be valid for one year from the date of entry to Canada, and you must show proof at the application stage — before the visa is approved, not after your parent arrives. Most families set the policy start date to the expected arrival date in Victoria. If flights to the Island change, many insurers will adjust the effective date, so give your partner broker a realistic arrival window. The coverage must be active the day your parent lands, because BC's Medical Services Plan does not cover visitors.

Pre-existing conditions are the most important detail for older Super Visa applicants. Some policies cover conditions that have been 'stable' for a set period such as 90 or 180 days, some exclude them outright, and each insurer defines 'stable' differently — so a condition one carrier accepts, another may not. This is the main reason to compare quotes rather than buy the first policy you see, and to review the medical wording carefully with a licensed broker before your parent travels to Victoria.

No. Lowest Rates Hub is a marketplace, not an insurer or a brokerage. We connect you with licensed insurance brokers in our network who serve Victoria and the rest of British Columbia, and the actual quotes and policies come from those partner brokers and the Canadian insurers they represent. We don't bind coverage or hold an insurance licence — our role is to help you compare options and match you with a broker who can finalize a Super Visa policy that meets IRCC's requirements.

Compare Super Visa quotes for your Victoria family

A licensed broker — including Tagalog- and Punjabi-speaking advisors — matches the right carrier to your parents' age and health, free.

Get my Super Visa quotes 647-362-5511

Lowest Rates Hub connects consumers with licensed insurance brokers across Canada. Quotes are provided by partner brokers and the carriers they represent; LRH does not bind coverage or hold an insurance licence. Estimates are not bound coverage. Final premiums depend on the insurer's underwriting and the information disclosed in the application. Policies underwritten by IDC Worldsource and partner insurers. Privacy policy.