Super Visa QuoteSuper Visa Insurance Cost Report 2026
Our 2026 Super Visa insurance cost report: estimated monthly and annual premium ranges by age band, what moves the price, and how deductible, coverage, and pre-existing conditions change it.
- Estimated 2026 premium ranges by age band, for $100,000 coverage
- What actually moves the price — age, deductible, coverage, and health
- How pre-existing conditions and coverage amount change the number
- Estimates only, not quotes — get a personalized comparison for real figures
Super Visa insurance is one of the required costs of sponsoring a parent or grandparent to visit Canada, and "how much does it cost?" is usually the first question families ask. There is no single fixed price. What an applicant pays depends mainly on their age, the coverage amount and deductible chosen, how long the policy runs, and their medical history. IRCC requires a qualifying policy valid for at least 365 days from the date of entry, with minimum emergency medical coverage, so the lowest number on a comparison screen is not always an eligible policy.
This 2026 cost report pulls those factors together into estimated premium ranges by age, so families can budget before they request quotes. The figures are illustrative estimates, not quotes — see the methodology note below.
How to read this report
The ranges here are estimated typical figures for illustration and budgeting. They are not quotes, do not represent any single insurer, and individual pricing can fall outside them. The only accurate number is a personalized quote based on the applicant's age, health, travel dates, and the coverage and deductible you choose.
2026 Super Visa insurance cost at a glance
- Typical monthly premium (one parent, $100K): ~$100-200 / month
- Typical annual premium (one parent, $100K): ~$1,200-$4,600 / year
- IRCC minimum policy length: 365 days from entry
- Common coverage amounts: $100,000 - $1,000,000
- Common deductible range: $0 - $10,000
- Biggest price driver: Applicant age + health
Estimated Super Visa insurance cost by age (2026)
The table below shows estimated premium ranges for a single applicant at $100,000 coverage with a standard deductible and no significant pre-existing conditions. Age is the strongest driver of price, so the ranges widen as applicants get older. Treat these as budgeting estimates — a personalized quote is the only way to see real numbers.
Estimated 2026 premium ranges by age band ($100,000 coverage)
| Applicant age | Estimated monthly | Estimated annual |
|---|---|---|
| 40-59 | $55 - $95 | $650 - $1,100 |
| 60-64 | $85 - $140 | $1,000 - $1,650 |
| 65-69 | $105 - $170 | $1,250 - $2,000 |
| 70-74 | $135 - $215 | $1,600 - $2,550 |
| 75-79 | $175 - $290 | $2,100 - $3,450 |
| 80-84 | $235 - $400 | $2,800 - $4,700 |
| 85+ | $300 - $520 | $3,600 - $6,200 |
Illustrative 2026 estimates for a healthy single applicant at $100,000 coverage with a standard deductible. Not quotes. Actual premiums vary by insurer, health, deductible, coverage amount, and underwriting.
Get Your Personalized Super Visa Insurance Cost
The ranges below are estimates. Share the visitor age, travel date, deductible preference, coverage amount, and any medical-history notes, and a licensed advisor can compare suitable options for a real number.
What moves the price up or down
Four levers explain almost every difference between two Super Visa quotes: the applicant's age, the deductible, the coverage amount, and health/underwriting. Understanding them helps you compare like for like instead of chasing the lowest headline number.
The main cost factors
- Age — the single biggest factor. Premiums rise with each age band, and pricing becomes more sensitive to health after 70.
- Deductible — choosing a higher deductible (for example $1,000-$10,000 instead of $0) typically lowers the premium, because you agree to pay more before coverage begins.
- Coverage amount — moving from $100,000 to $150,000 or higher raises the premium; IRCC requires a minimum, but many families choose more.
- Health and pre-existing conditions — stable, well-managed conditions can often be covered, usually at a higher premium or with a stability-period requirement.
- Policy length and trip dates — the required 365-day minimum, and when the coverage starts, affect the total.
- Payment option — monthly plans spread the cost but the annual total can differ slightly from paying up front.
How pre-existing conditions change the estimate
Many parents visiting Canada manage conditions such as high blood pressure, diabetes, or heart history. Stable, controlled conditions can often be covered, but the premium is usually higher than the standard ranges above, and the policy may require the condition to have been stable for a defined period before travel. As a rough guide for budgeting, coverage that includes stable pre-existing conditions often adds meaningfully to the base premium, depending on the condition, the insurer, and the stability period. Because this varies widely, a personalized quote is especially important when a medical condition is involved.
Does province change the cost?
Super Visa insurance covers emergency medical care for a visitor anywhere in Canada, so the premium is driven far more by the applicant's age, health, coverage, and deductible than by the province they will stay in. Where you live matters more for finding a local licensed advisor than for the premium itself. Families in Ontario cities such as Toronto, Brampton, and Mississauga, and across other provinces, generally see pricing shaped by the same factors in this report.
Super Visa insurance cost — frequently asked questions
How much does Super Visa insurance cost in 2026?
For one parent at $100,000 coverage, estimated premiums commonly fall in the range of about $100-$200 per month, or roughly $1,200-$4,600 per year, depending mainly on age and health. Older applicants and higher coverage push the number up. These are estimates — request a personalized quote for an accurate figure.
Why do two quotes for the same parent differ so much?
Insurers price age, deductible, coverage amount, and pre-existing conditions differently, so the same applicant can receive very different numbers. Comparing several providers on the same coverage and deductible is the only way to see which is genuinely lower for your situation.
Is the cheapest Super Visa insurance the best choice?
Not necessarily. The lowest premium may carry a high deductible, exclude a relevant medical condition, or not meet IRCC requirements. The policy has to be eligible for the Super Visa application and appropriate for the applicant's health.
Can paying monthly instead of annually lower the cost?
Monthly plans spread the cost into instalments, which helps cash flow, but the total you pay over the year can differ slightly from paying the full annual premium up front. Compare both when you request a quote.
Dig into the details
Related Insights and Guides
Get Your Personalized Super Visa Insurance Cost
The ranges below are estimates. Share the visitor age, travel date, deductible preference, coverage amount, and any medical-history notes, and a licensed advisor can compare suitable options for a real number.