Super Visa Insurance
in Canada

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 $900 for a parent in their late forties to $4,500 for a parent in their late seventies. 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.

Approximate ranges for healthy applicants with no pre-existing conditions, $100,000 coverage, no deductible. Actual premiums vary by insurer, health declaration and policy terms.

Three things that move the price

• Deductible. Taking a $1,000 deductible typically cuts the premium by 20 to 25 percent; $3,000 cuts it by 30 to 40 percent. For a 65-year-old that is several hundred dollars a year, in exchange for paying the first part of any claim yourself.
• Coverage amount. $100,000 is the IRCC minimum and what most families buy. $150,000 or more costs more but matters if a hospital stay runs long; a single week in a Canadian hospital without coverage can exceed $30,000.
• Pre-existing conditions. Covering a stable condition such as controlled blood pressure or diabetes is often possible at a modest surcharge; the insurer you pick matters more than the price, see the stability table further down.

Full breakdown, including what happens to the premium when a visa is refused or a parent goes home early, is in our Super Visa insurance cost guide and the refund policy guide.

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 the confirmation letter satisfies the Super Visa application exactly as an annual policy would. The trade-off is a modest financing cost:

Approximate figures based on $100,000 coverage with no deductible. Fees vary by insurer.

Monthly billing makes the most sense when a parent is 70 or older and the annual premium is several thousand dollars, or when the family is paying for two parents at once. If the visa is refused, most insurers refund the instalments already paid (the setup fee is usually kept). How each insurer handles deposits, missed payments and early departure is covered in the monthly payment guide.

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.

*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 TuGo, 21st Century, Destination Canada, Travelance 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.

What our advisors check before recommending a plan

• The policy wording says emergency medical and names Canada as the destination, with at least $100,000 and 365 days of validity from the entry date.
• Every condition on the application matches the stability period of that specific plan, not the insurer's best plan.
• The refund clause covers a visa refusal in full, less a small administration fee.
• Claims are handled in Canada, in a language your parents can use, and direct billing with hospitals is available.

What IRCC checks on the insurance

• At least $100,000 in emergency medical coverage, covering health care, hospitalization and repatriation.
• Valid for at least one year from the date of entry, and in force on the day the parent arrives.
• Issued by a Canadian insurance company, or by a foreign insurer authorized by Canada's Office of the Superintendent of Financial Institutions (OSFI) to sell in Canada.
• Proof that it is paid in full or in instalments; a quote on its own is not accepted.

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.

Advice is available in English, Turkish, Ukrainian, Russian and five other languages, which matters when the parent on the application does not read insurance wording in English. Same-day coverage is standard: families who need a confirmation letter for an application deadline can usually have it the same afternoon, see same-day Super Visa insurance in Toronto.

Buying through a broker costs nothing extra. Insurers pay brokers 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.