Confidence. Covered.
Compare plans that meet IRCC's Super Visa rules for parents and grandparents side by side and buy online, with prices from insurers including Secure Travel, JF, GMS, TruStone and Manulife. A licensed advisor can help whenever you want. Plans have at least $100K of coverage, some offer monthly payments, and same-day confirmation letters are available on some plans.
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Get my Super Visa priceWHAT YOU'LL SEE
Sample prices
1 visitor, age 67 · $100,000 · $0 deductible · stable conditions covered · 1 year
Real prices from EGE Insurance Quoter, run Oct 10, 2026. Yours depend on age, dates and health.
Quick answer: Super Visa insurance is the private medical insurance parents and grandparents need for a Super Visa. IRCC requires at least $100,000 of emergency coverage for health care, hospitalization and repatriation, valid for at least one year from entry, from a Canadian insurer or an eligible foreign insurer, and paid in full or in instalments with a deposit. Approximate Super Visa prices for one person ($100,000, $0 deductible, without pre-existing coverage): $1,015 to $1,595 a year at ages 40 to 49, $1,621 to $2,405 at 65 to 69 and $2,570 to $4,296 at 70 to 74. Quotes from Oct 11, 2026. Some insurers offer monthly payments, and if the visa is refused most insurers refund the premium less a fee.
Coverage Details
Super Visa applicants must carry private medical insurance that meets IRCC’s requirements. Depending on the policy, Super Visa insurance can help with eligible emergency expenses and services during your parents' or grandparents' stay in Canada. Some plans extend coverage to certain non-emergency situations.
Who Typically Needs Super Visa Insurance
Coverage is subject to policy terms, exclusions, eligibility, and insurer approval.
IRCC Rules
Before comparing prices, make sure every plan you look at meets what IRCC checks on the insurance.
The insurance is only one half of the application. The host child or grandchild must also meet the minimum income for their household size, and since March 31, 2026 either of the last two tax years can be used. The full checklist, income table and common refusal reasons are in our IRCC Super Visa requirements guide, and the step-by-step for hosts is in Super Visa insurance for parents and grandparents.
What It Costs
Premiums are set almost entirely by the visitor's age, the deductible you choose and whether a pre-existing condition needs to be covered. These are the ranges our advisors see on live quotes this year.
For a healthy applicant buying the IRCC minimum of $100,000 with no deductible, a full year of Super Visa insurance in 2026 runs from roughly $1,000 for a parent in their forties to $5,500 for a parent in their late seventies, before any pre-existing coverage. The age bands below are the same ones insurers use to price, so the jump at 65 and again at 70 is real and worth planning around.
| Age | Without pre-existing coverage | With stable pre-existing coverage |
|---|---|---|
| 40–49 | $1,015–$1,595 | $1,241–$2,008 |
| 50–59 | $1,156–$1,602 | $1,405–$2,165 |
| 60–64 | $1,156–$1,799 | $1,610–$2,529 |
| 65–69 | $1,621–$2,405 | $2,051–$2,874 |
| 70–74 | $2,570–$4,296 | $3,380–$4,181 |
| 75–79 | $2,920–$5,533 | $4,000–$5,427 |
| 80–85 | $4,349–$6,667 | $5,021–$7,647* |
Super Visa, $100,000, $0 deductible, 1 year, one person, CAD. *fewer insurers at 80+. Approximate, from quotes taken Oct 11, 2026. Your price depends on age, dates and health; get your exact price.
The deductible is the amount you pay out of pocket on a claim before the insurer pays. Deductibles range from $0 to $5,000 or more. A higher deductible can reduce your premium significantly. A $1,000 deductible may reduce the premium, but the best option depends on how much your family can afford to pay out of pocket. If your parent sees doctors often or has a complex health history, a lower or $0 deductible may be better value; for applicants over 75, discuss the options with a licensed EGE Insurance advisor.
Full breakdown, including what happens to the premium when a visa is refused or a parent goes home early, is further down this page and in the refund policy guide.
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Coverage Amount
Although IRCC only mandates $100,000 in coverage, that does not necessarily mean it is the right choice for every applicant. Medical costs in Canada can escalate rapidly, particularly for older visitors who are statistically more prone to serious emergency events during a year-long stay.
Coverage level recommendations by applicant age group.
To put the coverage amounts in context, consider the following approximate costs for uninsured visitors in Canada. An emergency room visit costs a visitor $794 to $1,635 before doctors’ fees, and a day in intensive care up to $13,110 at published 2026 hospital rates. Seven days in intensive care at British Columbia’s rate cost $91,770 before doctors’ fees, surgery or imaging. Sources are in our hospital and ER costs guide.
EGE Insurance recommendation: For applicants aged 70 and above, consider at least $200,000 in coverage. For applicants with a history of cardiac events, diabetes or respiratory conditions, $300,000 to $500,000 is worth discussing with an advisor; the right amount depends on health history, budget and each plan’s exclusions.
Pre-Existing Conditions
Many Super Visa insurance plans cover stable pre-existing conditions – however, the rules vary by insurer. Consequently, choosing the wrong plan can mean a claim is denied. Therefore, EGE Insurance reviews your parents’ health history and identifies which insurers are most likely to provide coverage.
A condition is generally considered stable when there has been no change in medication, treatment, symptoms, or medical visits within a defined period before the policy start date. This period is called the stability period and varies by insurer.
Because each insurer sets its own stability period, comparing policies carefully is essential. For example, a condition that qualifies as stable under one plan may not meet the threshold of another. As a result, working with an advisor who understands these differences can protect your family from a denied claim.
| Insurer | Rule for a pre-existing condition | Good to know |
|---|---|---|
| Manulife Basic | Not covered | Any age. No medical questionnaire. |
| Manulife Standard | Not covered if the condition existed, or needed medication or treatment, in the 180 days before coverage starts | Up to age 85. No medical questionnaire. |
| Manulife Enhanced | Covered if stable for the 180 days before coverage starts | Up to age 85. From age 55, every medical question must be answered "no". |
| Secure Travel (stable plan) | Stable 90 days up to age 69; 180 days at 70 to 84 | Every medical question must be answered "no". Ages 80 to 84 need a $500+ deductible. Not available at 85+. |
| TruStone | Visitors daily plans: stable 365 days, 180 to 365 days, or 90 to 180 days | None at 80+. The 180 to 365 day plan excludes heart and stroke. The Super Visa annual plan covers no pre-existing conditions. |
| TuGo | Stable 90 / 120 / 180 / 365 days for ages 59 and under / 60 to 69 / 70 to 85 / 86+ | Optional 7-day add-on for a condition that changed recently, ages 79 and under. |
| GMS | 180 days | For visitors under 80 on the start date. |
| JF | 120 days | Stable plan at a $0 deductible only. |
Checked October 11, 2026. Rules change, so an advisor confirms yours before you buy.
*Stability periods and coverage rules change. Always confirm with your advisor before purchasing.
Conditions that may be covered when stable
Important
If your parents have pre-existing conditions, the wrong plan could mean a denied claim. Therefore, EGE Insurance matches your family’s health history to the insurer most likely to provide coverage.
Choosing an Insurer
All of the insurers we quote offer policies that meet IRCC's Super Visa rules. They differ on how they treat pre-existing conditions, how they bill, and how they handle claims, and that is where a licensed advisor earns their keep. See how GMS, JF and Secure Travel compare in our guide to the best Super Visa insurance companies.
Because the government requirement is the same for every policy, families often pick on price alone. For a healthy 55-year-old that works. For a 68-year-old on two medications it can be the most expensive mistake of the application, because a plan with the wrong stability period will not pay for the exact condition most likely to cause a claim.
| Insurer | Typical stability period* | IRCC $100K minimum | Tends to suit |
|---|---|---|---|
| GMS | 180 days | Yes, on qualifying plans | Ask an advisor |
| Manulife | Enhanced: stable 180 days · Standard: none in the last 180 days · Basic: not covered | Yes, on qualifying plans | Stable health history, brand preference, broad hospital network |
*Typical 2026 market practice for standard plans, not a guarantee of underwriting. Plan wording, age limits and pricing change by product version; we confirm the current wording on every quote.
We also quote plans from GMS, Manulife, Secure Travel, TuGo, JF and TruStone and others. Our side-by-side of the two most requested names is in GMS vs Manulife for Super Visa, and the full stability rules are in the pre-existing conditions guide.
Pay Monthly
IRCC wants proof of a full year of coverage, but that does not mean paying a full year up front. Several insurers offer monthly billing, and it is one of the most searched questions we get.
With a monthly plan you pay a deposit at purchase (usually the first two months plus a small one-time setup fee) and the balance in monthly instalments. The policy itself is still issued for a full 365 days, so its confirmation letter can be used for the Super Visa application, as long as the policy meets every IRCC requirement. The trade-off is a modest financing cost, which varies by insurer.
Monthly billing makes the most sense when a parent is 70 or older, or when the family is paying for two parents at once. How each insurer handles deposits, missed payments, refunds and early departure is in the monthly payment guide.
Refunds
Understanding exactly what happens to your premium in different scenarios is critical before you purchase Super Visa insurance.
Refund eligibility and cancellation charges vary by insurer and policy. The scenarios below describe the usual outcomes, not guaranteed refunds; always review the specific policy’s cancellation conditions.
| Scenario | What Happens to Your Premium | Result |
|---|---|---|
| Visa refused by IRCC | Most insurers refund the premium less an administration fee, which varies by insurer. You must provide the official IRCC refusal letter. | Full Refund (less admin fee) |
| Visa approved but visitor decides not to come, or coverage is voluntarily cancelled | A cancellation penalty applies. This is not a full refund. The insurer calculates a short-period rate for the time the policy was active and deducts it. The remaining balance may be refunded but is significantly less than the full premium. | Partial Refund (penalty applies) |
| Visitor leaves Canada early with no claims made | A pro-rated refund is usually available for the unused months of coverage. You must provide proof of departure, and insurers usually require a minimum period of unused coverage before processing a refund. | Pro-Rated Refund (no claims) |
| Visitor leaves Canada early after making a claim | Usually no refund is available for any unused portion of the policy. Once a claim has been paid, the premium is considered fully earned regardless of whether the visitor stays for the full year. | No Refund |
For a full breakdown of all refund and cancellation scenarios, read our dedicated guide: Super Visa Insurance Refund Policy Explained
How It Works
Most families finish this in one sitting. Same-day policies are normal, and the confirmation letter is the document you upload with the IRCC application.
Enter the visitor's date of birth, coverage amount and deductible. Create your account with your mobile number to see every plan and price (we work with 15+ travel insurers; an advisor can check the rest). Your details go to EGE Insurance’s licensed advisors, and to an insurer only when you choose to buy.
List every condition and medication. This is what decides which plan is right, and an undisclosed condition is a common reason Super Visa claims are denied.
Pay in full or set up monthly instalments. Either way the policy is issued for 365 days and the letter says so.
The insurer emails the policy and confirmation letter, usually within the hour. Attach it to the IRCC application along with the income proof.
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Know the Difference
Understanding which coverage applies to your situation is important for a successful Super Visa application. In fact, using the wrong type of policy can result in a visa refusal.
This coverage is specifically required for eligible parents and grandparents applying for a Super Visa. It must meet minimum IRCC coverage and policy requirements.
Visitors insurance is used for general short-term or long-term visits to Canada. Although it provides medical protection during the visit, it is not specifically required by IRCC.
Not sure which applies? EGE Insurance can help confirm the right option based on your visa type.
Toronto and the GTA
EGE Insurance is a licensed Ontario brokerage based at 200 Yorkland Blvd in Toronto. Most of our Super Visa clients are in the GTA, and we serve families in Ontario, Alberta, British Columbia and Manitoba.
Advice is available in English, Turkish, Ukrainian, Russian and four other languages, which matters when the parent on the application does not read insurance wording in English. Same-day confirmation letters are standard: families who need one for an application deadline can usually have it the same afternoon, see same-day Super Visa insurance in Toronto.
Buying through EGE Insurance costs nothing extra. Insurers pay us from the same premium you would pay buying direct, and you get one place to compare all of them, one person to call if a claim goes wrong, and help with the year-two renewal and any claim.
Key Takeaways
Got Questions?
Still unsure? Ask EGE AI any time, or call (416) 477-1516, Monday to Friday 9 am to 8 pm, Saturday 9 am to 5 pm.
Yes. Create your account with your mobile number to compare every plan and price, then buy online. Some plans are completed with a licensed advisor, who can also help whenever you want. Online quotes are for Ontario, Alberta, British Columbia and Manitoba. See how buying insurance online works.
Yes. Super Visa applicants must have medical insurance that meets the program requirements set by IRCC. Therefore, EGE Insurance can help you confirm the correct coverage amount and policy structure for your application.
Many Super Visa insurance plans allow cancellation and refunds when the visa is refused, subject to the insurer's rules. Furthermore, EGE Insurance will guide you on the right plan and what documents are needed if a refund is requested.
IRCC requires a minimum of $100,000 in medical coverage. However, many families choose higher amounts for added protection. As a result, EGE Insurance can help you determine the right amount for your situation.
Many Super Visa insurance plans cover stable pre-existing conditions, provided there has been no change in medication, treatment, or symptoms within the insurer’s required stability period – typically 90 to 365 days before the policy start date. Consequently, EGE Insurance reviews your parents’ medical history and identifies which insurers are most likely to provide coverage for their specific conditions.
The policy must be valid for at least one year from the expected date of entry into Canada. The insurance must be from a Canadian insurance company, or from a foreign insurer authorized by OSFI under the Insurance Companies Act that issued the policy in the course of its insurance business in Canada, an option available since January 28, 2025.
Yes. Several insurers offer monthly billing: you pay a deposit of about two months plus a small setup fee, then equal monthly instalments. The policy is still issued for a full 365 days, so the confirmation letter can be used for the application, as long as the policy meets every IRCC requirement.
Only if that insurer is authorized by Canada's Office of the Superintendent of Financial Institutions (OSFI) under the Insurance Companies Act and the policy is issued in the course of its insurance business in Canada; the policy document must say so. Policies from unauthorized foreign insurers are not accepted by IRCC and are the most common reason an otherwise complete application is refused on insurance grounds.
Either can pay, but the policy is issued in the visitor's name and the health declaration must be the visitor's own. Most families have the host child or grandchild in Canada arrange and pay for it, because they are also the one submitting the IRCC application and proving income.
Before submitting the application, since IRCC requires proof of insurance with it. Set the coverage start date to the expected date of arrival; if the arrival date changes, every insurer we work with will move the start date at no cost as long as the policy has not yet begun.
Applicants over 70 or those with pre-existing conditions should expect significantly higher premiums. Approximate Super Visa prices for one person ($100,000, $0 deductible, without pre-existing coverage): $1,015 to $1,595 a year at ages 40 to 49, $1,621 to $2,405 at 65 to 69 and $2,570 to $4,296 at 70 to 74. Quotes from Oct 11, 2026; get your exact price.
Yes. A deductible is the amount you pay toward eligible medical expenses before the insurer pays. The trade-off is that you pay the deductible amount out of pocket before the insurer covers eligible expenses. A $1,000 deductible may reduce the premium, but the best option depends on how much your family can afford to pay out of pocket.
If the visa is approved but the visitor decides not to travel, or if the policy is voluntarily cancelled for any reason, a cancellation penalty applies. This is not a full refund. The insurer calculates a short-period rate for the time the policy was in force and deducts it from the premium. The remaining balance may be returned, but it will be significantly less than what was originally paid. The answer depends on whether a claim was made during the policy period. If no claim was made, a pro-rated refund is usually available for the unused months of coverage, subject to a minimum period of unused coverage and proof of departure. If a claim was made during the stay, usually no refund is available for any unused portion of the policy, regardless of how early the visitor departs.
Super Visa Insurance Guides
Written by our advisors from the questions families actually ask. Costs, IRCC rules, pre-existing conditions, refunds and renewals.
Also Available at EGE Insurance
EGE Insurance offers a full range of coverage options – therefore, you can compare and buy online or speak with a licensed advisor.
Ready to Get Started?
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