Richmond Hill families can buy IRCC-compliant super visa insurance online now, from about $1,577 a year for a 55-year-old parent and $4,000 at 75 with stable conditions covered (lowest of eight insurers compared in October 2026). Super Visa Direct Insurance Services is licensed in Ontario and serves Richmond Hill residents today.
Who in Richmond Hill is buying super visa insurance?
Richmond Hill’s 202,022 residents were 66.4 percent visible minority in the 2021 Census: East Asian 35.29 percent, Middle Eastern 14.77 percent and South Asian 7.63 percent, per Wikipedia citing the Statistics Canada Census Profile. By ethnic origin the city is 28.5 percent Chinese (57,305 people), 10.1 percent Iranian (20,345), 4.4 percent East Indian and 2.0 percent Filipino.
Two groups dominate the applications. Chinese and Hong Kong parents, often in their 70s, where the stability period and maximum age decide the carrier; and Iranian parents, who face the longest wait of any major source country at 265 days in September 2026, against 77 from China and 70 from India per Immigration.ca. See from China and from Iran.
How does buying work from Richmond Hill?
The purchase is online and takes about ten minutes: enter the parent’s date of birth, planned entry date and health answers, compare live prices, pay annually or by deposit and instalments, and download a certificate naming the underwriter. IRCC accepts the certificate, not a quote.
| Step | What you do | What you get |
|---|---|---|
| 1 | Enter age, entry date, health answers | Live prices from available insurers |
| 2 | Choose plan and deductible | Policy summary naming the underwriter |
| 3 | Pay in full or 2-month deposit plus fee | Certificate PDF by email |
| 4 | Upload to the IRCC application | Proof of insurance on file |
| 5 | Forward to your parent | Shown to CBSA at Pearson |
The IRCC rules require at least $100,000 per applicant covering health care, hospitalisation and repatriation, valid one year from entry, from a Canadian insurer or a foreign insurer on OSFI’s register. No mainland Chinese, Hong Kong or Iranian domestic insurer qualifies. For an Iranian parent the start date will move, so read how to change the start date and the full super visa insurance guide.
Which languages does SuperVisaDirect support?
English now. Chinese and Farsi support are under review given Richmond Hill’s demand, with Punjabi, Hindi, Urdu and Tagalog pages planned. A family member can translate during a phone walkthrough of the health questions, and every listed insurer runs a multilingual 24-hour assistance line.
What does Mackenzie Richmond Hill Hospital charge an uninsured parent?
Mackenzie Health publishes its rates. Its accommodations page lists $3,000 a day for an international patient in a ward, $3,265 semi-private, $3,320 private and $5,300 a day in critical care, with no effective date and prices subject to change without notice. It lists no emergency visit rate; Queensway Carleton charges $1,242 under its April 2026 schedule.
| Item | Mackenzie Health, international ($) | Queensway Carleton, Apr 2026 ($) |
|---|---|---|
| Ward bed, per day | 3,000 | 4,005 |
| Intensive care, per day | 5,300 | 15,642 |
| Emergency visit | Not listed | 1,242 |
Physician fees are billed separately. A week in critical care at Mackenzie Richmond Hill is $37,100 before a specialist bill, which is why the health questions must be answered exactly; see pre-existing conditions.
What will it cost a Richmond Hill family?
Annual premium, $100,000 coverage, $0 deductible, stable pre-existing covered, rates seen Oct 2026 — verify at quote time.
| Parent’s age | Lowest of 8 insurers ($/yr) | Highest ($/yr) |
|---|---|---|
| 55 | 1,577 | 2,373 |
| 65 | 2,051 | 4,201 |
| 75 | 4,000 | 9,910 |
Source: BestQuote. Insurer-by-insurer figures are on the cost page, instalments on monthly plans, and the neighbouring market on our Markham page.
Questions people ask
What does Mackenzie Richmond Hill Hospital charge a parent without insurance?
Mackenzie Health lists $3,000 a day for an international patient in a ward, $3,265 semi-private, $3,320 private and $5,300 a day in critical care, before physician fees, with no effective date and prices subject to change. It publishes no emergency visit rate; comparable Ontario schedules charge $850 to $1,242 a visit.
My parents are from Iran. How does the 265-day wait affect the insurance?
Iran had the longest processing of any major source country at 265 days in September 2026. The policy must still be bought before the application, because IRCC wants the certificate, not a quote. Choose a carrier that lets you move the start date and refund in full before the effective date, and set the start date generously.
Which plans cover a 76-year-old parent from China with stable diabetes?
Secure Travel (180 days stability 70 to 84, insures to 90), TuGo (180 days 70 to 85, no maximum age), Manulife CoverMe (180 days, to 85), Destination (180 days 70 to 79) and GMS (180 days, to 79). At 75 with stable conditions the lowest premium was $4,000 a year and the highest $9,910 in October 2026 tables.
Do I need to visit an office in Richmond Hill to buy?
No. The purchase is online: enter the parent's date of birth, planned entry date and health answers, compare live prices, pay annually or by deposit and instalments, and download the certificate naming the underwriter. Upload it with the IRCC application and send a copy to your parent for CBSA at Pearson.
Get the policy IRCC requires, in minutes
Three questions, one price, one button. The certificate your parent needs is emailed the same day.
Sources
- Statistics Canada, Census Profile 2021, Richmond Hill (City)
- Wikipedia, Richmond Hill, Ontario (2021 census demographics, citing Statistics Canada)
- IRCC, Super visa: documents and insurance requirement
- OSFI, Canadian and foreign insurance companies
- Mackenzie Health, accommodations and rates
- Queensway Carleton Hospital, fees for patients without health insurance (April 2026)
- Immigration.ca, Super visa processing times by country
- BestQuote, Super Visa Insurance rates