How Much Does Super Visa Insurance Cost in 2026?
Super visa insurance in Canada costs between $1,200 and $3,800 per yearin 2026, depending on the applicant's age, chosen deductible, coverage amount, and whether pre-existing medical conditions need coverage.
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Open CalculatorAverage Cost by Age Group (2026)
Here are typical annual premiums for super visa insurance with $100,000 coverage and a $0 deductible:
| Age | Annual Cost | Monthly |
|---|---|---|
| 40–50 | $1,000 – $1,400 | $85 – $115 |
| 51–60 | $1,300 – $2,000 | $110 – $165 |
| 61–65 | $1,800 – $2,500 | $150 – $210 |
| 66–70 | $2,200 – $3,000 | $185 – $250 |
| 71–75 | $2,800 – $3,500 | $235 – $290 |
| 76–80 | $3,200 – $4,200 | $265 – $350 |
| 80+ | $3,800 – $5,500+ | $315 – $460+ |
*Estimates based on average 2026 rates from major Canadian providers. Actual rates vary.
What Affects the Cost?
1. Age
Age is the biggest factor. Insurance companies assess higher risk for older applicants, so premiums increase significantly after age 65. A 75-year-old may pay 2–3 times more than a 55-year-old for the same coverage.
2. Deductible
The deductible is what you pay out-of-pocket before insurance kicks in. A $0 deductible means the insurance pays from the first dollar. Choosing a $1,000 deductible can reduce premiums by 25%, and a $5,000 deductible can save up to 50%.
3. Coverage Amount
The IRCC minimum is $100,000. Higher coverage ($150K or $300K) costs more but provides better protection. For visitors with chronic conditions, higher coverage is strongly recommended.
4. Pre-existing Conditions
Plans that cover pre-existing conditions cost 30–60% more. However, if your parent has conditions like diabetes, hypertension, or heart disease, having coverage for these is critical.
How to Save on Super Visa Insurance
- Compare multiple providers: Rates vary significantly between companies. Always get quotes from at least 3–4 providers.
- Consider a higher deductible: If you can afford $1,000–$2,500 out of pocket in an emergency, a higher deductible can save you hundreds.
- Buy early: Some providers offer early-purchase discounts.
- Ask about monthly payments: Some providers allow monthly payment plans, which can ease the upfront cost.
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