Factor 01
Age
The biggest factor. Insurers price in age bands, so a parent who has just moved into an older band pays noticeably more. Quote with the exact date of birth.
Real quotes, October 17, 2026
What Super Visa Insurance Costs Today
We ran a live quote for a 66-year-old visitor (born January 1, 1960) with $100,000 of coverage, a $0 deductible, a 365-day policy starting October 17, 2026, and no pre-existing condition cover. These are the prices our engine returned.
| Plan | Pay once (1 year) | Monthly plan | Monthly plan deposit |
|---|---|---|---|
| Secure Travel — Standard | $1,620.60 | $135.05/month | First and last month + $120 setup fee |
| 2Visit Canada — Standard | $1,661.12 | $138.43/month | First and last month + $120 setup fee |
| TruStone Health — Association Plan | $1,692.00 | $141.00/month | First and last month + $50 setup fee |
| MSH Discover Canada | $1,711.85 | $142.65/month | First and last month + $90 setup fee |
| Travcare — Essential | $1,726.45 | $143.87/month | 65 days' premium + $50 setup fee |
| Travel Shield — Starr Plan | $1,746.01 | $155.50/month | Ask us |
| Manulife — Basic | $1,806.75 | Ask us | Two months' premium + $50 setup fee |
| Secure Travel — Enhanced | $1,843.25 | $153.60/month | Ask us |
| Travcare — Extended | $1,876.10 | $156.34/month | 65 days' premium + $50 setup fee |
| Travelance — Essential | $1,996.55 | $166.38/month | Last two months + $100 setup fee |
| 21st Century | $2,642.60 | $220.22/month | Two months' premium + $50 setup fee |
| Manulife — Top-rated plan | $2,801.56 | Ask us | Ask us |
One more plan was quoted at $1,949.10 a year. Prices are examples from one date and one traveller profile, include no pre-existing condition cover, and change with age, dates, coverage and medical answers. Plan availability and terms are set by each insurer.
Same coverage, very different prices. The most expensive plan cost $1,180.96 more for the year than the cheapest, for the same $100,000 of coverage. The difference is in the benefits, stability rules and claim limits, so compare the benefit summary before you choose.
What changes the price
Six Things That Set Your Super Visa Premium
Factor 02
Coverage amount
$100,000 is the IRCC minimum. $150,000 or $200,000 costs more but leaves more room for a serious hospital stay.
Factor 03
Deductible
Plans offer deductibles from $0 up to several thousand dollars. A higher deductible lowers the premium, and you pay that amount yourself per claim.
Factor 04
Pre-existing conditions
Covering stable conditions such as diabetes or high blood pressure adds to the premium. Stability periods differ, for example 90 days for younger ages and 180 days for older ages on some plans.
Factor 05
Plan level
Standard, enhanced and premium versions of the same insurer's plan differ in benefits and limits. In our example, an enhanced plan cost $222.65 more than the standard version.
Factor 06
How you pay
Paying once is usually cheapest overall. Monthly plans add a deposit and a setup fee, typically $50 to $120.
Paying monthly
How Monthly Super Visa Payments Work
IRCC accepts a policy paid in full or paid in instalments with a deposit. Here is what the deposit looked like on the plans above.
- Several plans ask for the first and last month up front, plus a setup fee of $50 to $120.
- Others ask for two months' premium or about 65 days' premium plus a setup fee.
- The balance is then paid monthly. On some plans that is 10 payments.
- Send the policy and proof of the deposit with the visa application. A quote is not accepted.
Example: one plan, two ways to pay
Secure Travel Standard for a 66-year-old: $1,620.60 paid once, or $135.05 a month with the first and last month plus a $120 setup fee paid up front.
Check monthly prices for your parentSource for payment rules: IRCC super visa forms and documents.
Lower the cost safely
How to Pay Less Without Losing Protection
Compare every plan at once
Prices for the same coverage varied by $1,180.96 in our example. One quote shows them all side by side.
Pick a deductible you can afford
A deductible lowers the premium. Choose an amount your family could pay comfortably in an emergency.
Check the age band
If a birthday falls just before the start date, compare prices before and after it.
Answer medical questions accurately
A cheaper plan that excludes your parent's condition can leave the family paying the hospital bill.
Going home early? Most insurers refund unused time when there were no claims, minus a fee. A refused visa usually earns a refund before the policy starts. See our Super Visa cancellation guide.
Super Visa cost questions
Super Visa Insurance Cost FAQs
How much does Super Visa insurance cost in 2026?
It depends mostly on age. For a 66-year-old with $100,000 of coverage, no deductible and no pre-existing condition cover, live quotes on October 17, 2026 ranged from $1,620.60 to $2,801.56 for one year, with a middle price of $1,806.75. Older applicants, higher coverage and pre-existing condition cover all raise the price.
How much is Super Visa insurance per month?
In the same example, monthly instalment plans ranged from about $135 to $220 a month. Most insurers also ask for a deposit when you buy, often the first and last month or two months of premium, plus a setup fee of $50 to $120.
Does IRCC accept monthly Super Visa insurance payments?
Yes. IRCC accepts insurance that is paid in full or paid in instalments with a deposit. A quote alone is not accepted. Send the policy and proof of the deposit with the application.
Why do quotes for the same coverage differ so much?
Each insurer prices risk differently and includes different benefits, stability rules and claim limits. In our example the most expensive plan cost $1,180.96 more per year than the cheapest for the same $100,000 of coverage, so compare the benefit summary, not only the price.
Does a deductible lower the cost?
Yes. Choosing a deductible lowers the premium, and you pay that amount yourself if there is a claim. A deductible does not affect the visa decision as long as the policy meets IRCC's rules.
Does covering pre-existing conditions cost more?
Usually yes. Plans that cover stable pre-existing conditions such as diabetes or high blood pressure cost more than plans that exclude them. If your parent has a condition, the cheaper exclusion plan may not pay for an emergency related to it.
Is Super Visa insurance cheaper for a couple?
Each person is priced on their own age and health. Quoting both parents together lets you compare the two premiums side by side and keeps both policies on the same dates.
Can I get money back if my parent goes home early or the visa is refused?
Most insurers refund the premium if the visa is refused before the policy starts, and refund unused time if your parent returns early with no claims. Fees and conditions differ by insurer, so check the policy wording or ask us.
General information only. The insurer's policy wording decides coverage, and IRCC decides visa applications.
See your parent's exact price
Prices on this page are one example. Get live quotes for your parent's age and dates in about a minute, or call us to compare them together.