Deductible Scenario Calculator
Enter the two prices from your quote. We compare the total cost in real situations, using 2026 Ontario hospital rates for visitors.
| What happens | Medical bills | Total with $0 deductible | Total with deductible | Better choice |
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Totals = premium + what your family pays. Bills use Cambridge Memorial Hospital's 2026–2027 visitor rates (ER $850, ward $3,750 a day) and exclude doctors' fees; the insurer pays eligible costs above the deductible up to the policy limit.
6 Questions to Ask About Any Deductible
- Is it per claim or per policy?Per claim means you pay the deductible for every separate illness or injury. Per policy means once for the whole policy period.
- Can you pay it at the hospital?Choose an amount you could pay the same day without stress.
- How much does the deductible really save?Compare the two prices in your quote. Sometimes a $1,000 deductible saves only a little.
- How old is the visitor, and how healthy?Older visitors and anyone on regular medication are more likely to claim.
- How long is the stay?The longer the stay, the more chances of a claim.
- Does the plan apply it before or after other limits?Read the policy wording for how the deductible works with co-pays or pre-existing limits.
A younger, healthy visitor on a shorter trip, a big premium saving, a per-policy deductible, and money set aside to pay it.
Parents and grandparents, anyone on regular medication, long stays like a Super Visa year, and families who'd struggle to pay a bill on the spot.
The 12 mistakes that get Super Visa claims refused, and a 2-minute check.
12 Super Visa insurance mistakesDeductibles: FAQs
What is a deductible on visitor insurance?
It's the part of each covered claim (or of the whole policy) that you pay yourself before the insurer pays. In return the premium is lower. A $0 deductible means the insurer pays eligible costs from the first dollar.
Is a deductible worth it on Super Visa or visitor insurance?
Only if the premium saving is bigger than what you're likely to pay out of pocket. For older visitors, visitors on medication and long stays, a $0 or low deductible is usually safer. Use the calculator on this page with the two prices from your quote.
What's the difference between a per-claim and a per-policy deductible?
Per claim: you pay the deductible for each separate illness or injury, so three different problems mean three deductibles. Per policy: you pay it once for the policy period. Per-policy deductibles are friendlier if more than one claim happens.
Can I choose a deductible for Super Visa insurance?
Yes. IRCC sets the minimum coverage ($100,000, valid one year from entry), not the deductible. Many Super Visa plans offer deductibles from $0 up to several thousand dollars.
How much does an emergency visit cost a visitor?
One Ontario hospital charges visitors $850 for an emergency department visit and $3,750 a day for a ward bed in 2026–2027, plus doctors' fees. With a $1,000 deductible, a single ER visit would be paid entirely by you.
Does a deductible affect the refund if my visitor leaves early?
Refunds of unused days usually depend on whether a claim was made, not on the deductible. Ask us before claiming a small amount if an early return is possible.
Where These Numbers Come From
- Cambridge Memorial Hospital: Fee for service 2026-2027 (ER $850, ward $3,750/day)
- Ontario.ca: Apply for OHIP (visitors don't qualify)
- IRCC: Super visa insurance requirements
Last reviewed October 18, 2026 by Pankaj Bhatia, PFA, CHS. More: How to choose visitor insurance · Super Visa insurance cost · Claims guide
Not sure which deductible to pick?
Send us the visitor's age, dates and health on WhatsApp and we'll compare $0 and deductible options for you.