Super Visa Insurance Rates
Bringing your parents or grandparents to Canada is a milestone. At BestQuote, we make sure the mandatory insurance requirement is the easiest part of your application. In 2026, Super Visa insurance isn't just a "paperwork requirement" - it’s your family’s safety net. We compare 20+ IRCC-approved insurance plans to find you the lowest rates, the most flexible payment plans, and exclusive benefits you won’t find anywhere else.
Financial Flexibility: Monthly Payment Plan
Do not let a large upfront cost delay your family reunion. In 2026, IRCC continues to accept monthly installment plans for Super Visa applications. On our quote engine, simply toggle the plan type to "Monthly Payments" to see these rates.
Note: While monthly plans help with cash flow, they are typically more expensive over the full year compared to upfront plans. Additionally, refunds for monthly plans are usually calculated by whole months, whereas annual plans often offer pro-rated daily refunds.
The BestQuote MedEC Advantage: Save Time and Money While in Canada
We offer our exclusive MedEC Visitors Health and Repatriation policy, which includes pre-paid doctor access 24/7 via Maple, Canada's top virtual care medical provider. Why is this a Super Visa and cost-saving game changer? Because once in Canada, our Super Visa insurance policyholders can:
Avoid $200 Clinic Fees
Use a licensed Canadian doctor via phone app - including video - for minor issues like colds, rashes, prescriptions, and renewals at no cost.
No 8-Hour Wait Times
Skip the medical clinic or ER waiting room entirely. Consult a doctor in an average of 10 minutes from your smartphone, tablet, or computer.
3 Free Visits Included
Three pre-paid consultations are built directly into your MedEC policy - saving both money and time navigating Canadian healthcare.
2026 Rate Glance: Canada's Top Super Visa Insurance Providers ($100,000 Coverage):
The following are starting rates for a 365-day policy with a $0 deductible. Choosing a deductible ($100, $250, $500, $1,000, and more) can lower these prices significantly.
Glance #1: No coverage for pre-existing medical conditions - $100,000 maximum
| Age | $0 deductible |
|---|---|
45-50 | $905.20 / year |
51-60 | $905.20 / year |
61-64 | $1,168.00 / year |
65 | $1,401.60 / year |
66-69 | $1,481.90 / year |
70 | $1,711.85 / year |
71-74 | $2,069.55 / year |
75 | $2,529.45 / year |
76-79 | $2,576.90 / year |
80 | $3,084.25 / year |
81-85 | $3,938.35 / year |
86+ | $5,756.05 / year |
Glance #2: Stable pre-existing medical conditions covered - $100,000 maximum
| Age | $0 deductible |
|---|---|
45-60 | $1,200.85 / year |
61-64 | $1,620.60 / year |
65 | $1,697.25 / year |
66-70 | $1,949.10 / year |
71-75 | $2,847.00 / year |
76-79 | $3,602.55 / year |
80 | $3,252.15 / year |
81-84 | $4,124.50 / year |
85 | $4989.55 / year |
86-89 | $5,657.50 / year |
*Rates for 90+ are available depending on medical stability; please call for a custom quote.
The Secret to Lower Rates: Understanding Deductibles
A deductible is the amount you pay out of pocket before the insurance takes over. Selecting a higher deductible is the easiest way to lower the premium you pay. However not all deductibles are created equal - this is the hidden cost most sites will not tell you:
Per Claim Deductible
You pay your deductible every single time you go to the doctor. If your parent goes 3 times in a year, you pay the deductible 3 times. This can add up quickly for older travellers who need regular care.
Per Policy Deductible
You pay the deductible only once for the entire policy year regardless of how many times you visit a doctor. This is almost always the better value for seniors and is what BestQuote recommends.
Deductible Savings Guide
Here is how choosing a higher deductible affects your premium:
| Deductible | Premium Impact | Best For |
|---|---|---|
$0 | Highest premium - but $0 out of pocket at time of claim | Those who want maximum financial certainty |
$1,000 | Saves approximately 20% on your premium - our most popular choice | Most Super Visa applicants balancing cost and risk |
$2,500 – $5,000 | Saves up to 35% on your premium | Healthy travellers who want protection against major emergencies only |
Pre-Existing Conditions an Stability
If your parents take medication for high blood pressure, diabetes, a heart condition, or similar conditions, they have a pre-existing condition. What you need to know if you are buying coverage that includes stable pre-existing medical conditions:
Stability Periods
Most plans require the pre-existing condition to be stable - meaning no new medications, symptoms, or doctor consultations - for 90 to 180 days depending on the policy.
Expert Review
Do not guess. One wrong answer on an application can lead to a denied claim later. You may need to ask the family doctor to confirm stability before purchasing.
Free Advice Available
Call or email us and we will review your parents' specific health history and find the company that provides the best coverage for their situation at no extra cost.
Why Choose BestQuote in 2026?
Over 14 years of helping families reunite in Canada. We are not just an automated quote engine - we are a dedicated Canadian travel insurance agency. We have helped thousands of visitors and Canadians navigate the complexities of their Super Visa insurance choices.
The Human Error Safety Net
Unlike big automated sites, we do not just issue and forget. Our experts carefully review every application before the policy is finalized - and reach out if we spot a potential error.
Zero-Cost Flexibility for Changes
If your parents' travel dates change before the effective date, we cand update your policy for no additional cost. We also send you automated reminder emails as your policy nears expiry.
Fast Response Times
Time is critical for visa applications. Our team is known for fast response times and instant policy generation. Once reviewed and approved, your IRCC-ready documents arrive quickly.
Professional Service at No Extra Cost
By law, insurance rates are regulated - meaning you pay the same price whether you buy through us or directly from the insurance company. As your broker, we work for you at no additional fee, earning a commission from the insurance company instead.
Expert Advice
We help you efficiently navigate complex medical questions and the top insurance companies and their policy benefits to find the right fit for your family.
Hands-on Support
We manage your policy dates, process refund requests, and advocate for you during claims - from purchase through the duration of your policy.
Exclusive Options
Access specialized policies like MedEC - which includes pre-paid Maple virtual care - that are not available through other insurers or websites.
Your Best Advice
Fill in and submit the price comparison quote form to get your own free instant quote. Then review prices and benefit details, and contact us with any questions at 1-888-888-0510 (toll-free), 647-799-2032 (Toronto), 403-800-1582 (Calgary), or 604-259-2544 (Vancouver), or email [email protected]. We will be glad to help you save money and find the proper coverage you need.
Get a Free Super Visa Insurance Price Comparison Quote
Use the quote tool on this page to compare Super Visa insurance options from multiple providers. You will see real prices, deductible options, and key coverage details. After comparing policy options you can purchase online and receive your proof of insurance documents.
If you have any problems receiving your quote, or have some specific questions you need to ask, please call us at 1-888-888-0510 and an advisor can walk you through the policy benefits, exclusions, stability periods, refund rules, and more.
How to Buy Super Visa Insurance
Get a Quote: Enter your parents' or grandparents' trip details into the quote tool on this page. You will see real prices, deductible options, and key coverage details from multiple providers side by side. Toggle between Annual Payment and Monthly Payments to compare both options.
Compare Plans: Review the available policies. Pay attention to the sum insured, deductible type (per claim vs per policy), refund conditions, pre-existing condition coverage, and any secondary benefits like Maple virtual care. If MedEC is available for their profile and trip length it will appear in your results.
Complete Medical Information (if required) and Purchase: Some policies require you to complete a medical questionnaire before purchasing. Complete any required information and purchase your chosen policy online securely.
Receive Documents: Your proof of insurance documents will be emailed to you as soon as your purchase is processed. Print a copy and carry it with your Super Visa application documents and other travel papers to show as proof of insurance when entering Canada.
Learn More About Super Visa Insurance
Stay informed with our latest guides and blog posts on Super Visa insurance. From understanding coverage requirements, to travel tips, we cover everything you need to know to choose the right plan for your parents or grandparents.
Frequently Asked Questions
Find answers to the most commonly asked questions about our services.
