How much does Super Visa insurance cost?

Super Visa insurance costs $1,500–$5,000+ per year depending on the applicant's age, pre-existing conditions, deductible chosen, and coverage amount. A healthy 60-year-old can expect $1,500–$2,500/year, while a 75-year-old with pre-existing conditions may pay $4,000–$8,000+/year.

What are the minimum requirements for Super Visa insurance?

Super Visa medical insurance must provide minimum coverage of $100,000, be valid for at least one year from the date of entry, cover health care, hospitalization, and repatriation, and be purchased from a Canadian insurance company. The policy must be paid in full before the visa application.

Can parents with pre-existing conditions get Super Visa insurance?

Yes, but coverage and cost will vary. Most providers offer policies with pre-existing condition coverage (often with a stability clause requiring conditions to be stable for 90–180 days before departure). Some providers exclude pre-existing conditions entirely but offer lower premiums. Always disclose all conditions honestly.

Super Visa Insurance in Canada 2026: Requirements, Costs & Best Providers

Super Visa Insurance Requirements (IRCC)

Requirement	Details
Minimum coverage	$100,000
Minimum validity	1 year from date of entry
Coverage must include	Health care, hospitalization, repatriation
Provider	Must be a Canadian insurance company
Payment	Must be paid in full before visa application
Proof	Letter of coverage must be submitted with application

Best Super Visa Insurance Providers Compared

Provider	Annual Cost (Age 60)	Annual Cost (Age 70)	Pre-Existing Coverage	Deductible Options	Refund Policy
Manulife	$1,600–$2,200	$2,800–$4,200	✅ (180-day stability)	$0–$10,000	Pro-rated
Blue Cross	$1,500–$2,100	$2,600–$4,000	✅ (180-day stability)	$0–$5,000	Pro-rated
21st Century	$1,400–$1,900	$2,400–$3,600	✅ (90-day stability)	$0–$10,000	Pro-rated
Destination Travel Group	$1,300–$1,800	$2,200–$3,400	✅ (90-day stability)	$0–$10,000	Pro-rated
GMS	$1,500–$2,000	$2,500–$3,800	✅ (180-day stability)	$0–$2,500	Pro-rated
Allianz	$1,600–$2,200	$2,800–$4,200	✅ (180-day stability)	$0–$5,000	Pro-rated
TuGo	$1,500–$2,100	$2,700–$4,000	✅ (180-day stability)	$0–$10,000	Pro-rated

Rates are estimates for $100,000 coverage. Actual costs depend on age, health, trip dates, and deductible.

Super Visa Insurance Cost by Age

Age Range	Annual Premium (No Pre-Existing)	Annual Premium (With Pre-Existing)
40–49	$800–$1,200	$1,200–$1,800
50–59	$1,100–$1,600	$1,600–$2,400
60–64	$1,400–$2,000	$2,000–$3,200
65–69	$1,800–$2,800	$2,800–$4,500
70–74	$2,400–$3,800	$3,800–$6,000
75–79	$3,200–$5,000	$5,000–$8,000
80+	$4,000–$7,000+	$6,000–$12,000+

How Deductible Affects Your Premium

Deductible	Approximate Annual Cost (Age 65)	Savings vs $0 Deductible
$0	$2,800	—
$250	$2,400	~14%
$500	$2,200	~21%
$1,000	$1,900	~32%
$3,000	$1,500	~46%
$5,000	$1,200	~57%
$10,000	$900	~68%

Strategy: Choosing a higher deductible can save thousands. If your parents are generally healthy and unlikely to make small claims, a $1,000–$3,000 deductible significantly reduces the premium while still covering catastrophic costs.

What Super Visa Insurance Covers

Covered	Not Covered
Emergency hospitalization	Routine medical checkups
Emergency surgery	Dental (unless caused by accident)
Prescription drugs (emergency)	Pre-existing conditions (if excluded)
Diagnostic tests (emergency)	Elective/cosmetic procedures
Ambulance services	Vision care
Repatriation to home country	Pregnancy/childbirth
Accidental dental (up to limit)	Mental health (varies by policy)
Follow-up visits for emergency	Travel to home country during policy

Pre-Existing Condition Coverage

Stability Period	What It Means	Who Offers It
90 days	Conditions must be stable for 90 days before departure	21st Century, Destination Travel Group
120 days	Conditions must be stable for 120 days	Some Blue Cross plans
180 days	Conditions must be stable for 180 days	Manulife, GMS, Allianz, TuGo
Excluded	Pre-existing conditions not covered (lower premium)	Most providers offer this option

“Stable” means: No new symptoms, no change in medication dosage, no hospitalization, and no new treatment related to the condition during the stability period.

Super Visa Application: Insurance Checklist

Step	Details
1. Determine parent/grandparent’s health status	List all medications and conditions
2. Get quotes from 3–5 providers	Compare with and without pre-existing coverage
3. Choose coverage amount	Minimum $100,000 (consider $150K–$200K for extra protection)
4. Select deductible	Balance premium savings vs out-of-pocket risk
5. Pay in full	Policy must be paid before visa application
6. Obtain proof of insurance letter	Include with IRCC application
7. Keep policy details accessible	Parent should carry proof when entering Canada

Super Visa vs Regular Visitor Visa Insurance

Feature	Super Visa Insurance	Regular Visitor Insurance
Minimum coverage	$100,000 (mandatory)	No minimum (recommended)
Minimum validity	1 year	Flexible
IRCC requirement	Yes	No (but recommended)
Stay duration	Up to 5 years per entry	Up to 6 months
Cost	Higher (longer coverage period)	Lower (shorter trips)
Must be Canadian provider	Yes	Recommended

Tips to Save on Super Visa Insurance

Strategy	Potential Savings
Choose a higher deductible ($1,000–$3,000)	25–50%
Apply when parent is in good health	Avoids pre-existing condition surcharges
Compare at least 5 providers	10–30% difference between providers
Buy annual plan (not monthly)	5–10%
Ask about family/couple discounts	5–10% (if both parents travelling)
Ensure stable medications before travel	Meets stability clause requirements
Choose appropriate coverage level (not excessive)	Stick to $100K unless specific need for more