Super Visa insurance for parents and grandparents visiting Canada costs approximately ~$1,000–$3,500 per year, depending on the insurer, age, coverage amount, deductible, and whether pre-existing conditions need to be covered. The IRCC minimum required coverage is $100,000 CAD. All Super Visa insurance policies available through BestQuote are from Canadian or IRCC-approved insurers and meet government requirements .
Comparing Super Visa insurance prices is the fastest way to save your family hundreds of dollars a year. This page shows indicative 2026 rates from 14 Canadian insurers in a side by side comparison, so you can find the cheapest policy for your parent or grandparent's age, health profile, and budget. Use the quote tool on this page (above) to see live prices and purchase your chosen policy online. All plans available through BestQuote meet IRCC requirements for the Parent and Grantparent Super Visa.
Looking for monthly payment options? BestQuote offers Super Visa insurance on a monthly payment plan with no large upfront premium required. See monthly payment plans
How Much Does Super Visa Insurance Cost in Canada (2026)?
Super Visa insurance costs vary significantly based on five factors: your parent or grandparent's age, the coverage amount selected, the deductible chosen, whether pre-existing conditions need to be covered, and which insurer you choose. Understanding each factor helps you find the cheapest plan that still gives your family the protection they need.
| Factor | How it affects your premium | How to use it so save money |
|---|---|---|
Age | The biggest cost driver. Premiums roughly double between age 55 and age 75. A 65-year-old typically pays 40–60% more than a 55-year-old for the same plan. | No way to reduce age-related cost, but comparing insurers at each age bracket can reveal significant price differences. |
Pre-existing conditions | Adding stable pre-existing condition coverage typically increases the annual premium by 20–50% depending on the insurer and the condition. | If your parent's condition has been fully stable for 180+ days, compare insurers - stability period requirements vary and some are significantly cheaper than others. |
Deductible | Choosing a $1,000 deductible instead of $0 typically reduces your annual premium by 18–22%. A $5,000 deductible can save up to 38%. | For healthy applicants with no pre-existing conditions, a $1,000 deductible is our most recommended balance of savings and manageable risk. |
Coverage Amount | IRCC requires a minimum of $100,000. Choosing $150,000 or $200,000 increases the premium modestly - often less than 10–15%. | Most families stick with $100,000. Consider $150,000 or $200,000 if your parent is older or has a complex health history. |
Insurer | For the same age and profile, prices between the cheapest and most expensive insurer can differ by 30–50% or more. | Always compare at least 3-4 insurers. Use BestQuote's quote engine to see all options side by side. |
Annual Cost Range Summary
As a general guide, here is what a family typically pays per person for a 365-day Super Visa insurance policy with $100,000 coverage and a $0 deductible in 2026:
| Age Range | No pre-existing Conditions | Stable Pre-existing conditions | Notes |
|---|---|---|---|
45–54 | ~$900–$1,400/year | ~$1,200–$1,800/year | Widest range of affordable options |
55–64 | ~$1,100–$2,000/year | ~$1,500–$2,400/year | Pre-ex cost increases more steeply in this bracket |
65–69 | ~$1,400–$2,600/year | ~$1,700–$3,100/year | Most common Super Visa applicant age range |
70–74 | ~$1,700–$3,400/year | ~$2,400–$4,200/year | Age 70 is a significant premium inflection point |
75–79 | ~$2,500–$4,500/year | ~$3,600–$6,000/year | Fewer competitively priced options - compare carefully |
80+ | ~$3,000–$6,000+/year | ~$4,000–$8,000+/year | Call BestQuote for guidance - not all insurers cover this bracket |
Note: Ranges shown above are approximate market ranges based on rates as of May 2026, for a 365-day policy, $100,000 coverage, $0 deductible. Actual prices depend on the applicant's exact age, health history, and policy chosen. Use the quote engine on this page for exact prices.
Compare Super Visa Insurance Plans: No Pre-Existing Conditions (2026)
If your parent or grandparent does not have pre-existing medical conditions - or has not required medical treatment, medication changes, or doctor visits for their health conditions in the past 90–180 days - they may qualify for a standard no pre-existing conditions policy. These are typically the lowest-cost Super Visa insurance options available. The table below shows indicative annual rates from all insurers available through BestQuote for a sample 55, 65, and 75-year-old applicant. All prices shown are for $100,000 coverage, $0 deductible, 365-day annual policy.
Annual rates: No pre-existing conditions | $100,000 coverage | $0 deductible | 365 days | Indicative rates - get a quote for exact prices
| Insurer / Plan | Age 55 | Age 65 | Age 75 | Notable feature |
|---|---|---|---|---|
BestQuote MedEC | $1000.10 | $1,332.25 | $2,701.00 | Maple virtual care (3 free visits), early return refund, visa refusal full refund. Exclusive to BestQuote. |
RIMI Secure Travel | $1026.00 | $1,620.60 | $2,920.00 | Flexible deductible options. Monthly payment available. |
TruStone Health (Hospital Medical Care) | $1339.55 | $1,515.60 | $2,736.00 | Monthly payment available. Medical screening required for some profiles. |
Destination Canada | $1452.70 | $2,080.50 | $3,551.45 | Established Canadian insurer. Monthly payment available. |
Travelance Essential | $1,328.60 | $1,996.55 | $4,686.60 | Dedicated monthly payment plan available. Strong refund policy. |
Manulife Plan A | $1,969.91 | $2,613.77 | $4,932.43 | Canada's most recognized brand. Widely accepted by IRCC officers. |
Travel Shield (Starr) | $1,335.90 | $1,985.60 | $3,427.35 | Competitive pricing. Answer Medical questionnaire required for some profiles. |
JF Insurance (Royal Visitors Plan) | $1,295.75 | $1,949.10 | $3,325.15 | Budget-friendly option for no pre-ex applicants. |
MSH (Discover Canada Essential) | $1,306.70 | $1,412.55 | $2,711.95 | International group insurer. Solid coverage for long-term stays. |
21st Century (Basic Plan) | $1,387.00 | $1,806.75 | $3,347.05 | Monthly payment available. Competitive at lower age brackets. |
AwayCare (TrueNorth Visitors Plan) | N/A | N/A | $3,159.08 | Priced competitvely for older age brackets. |
21st Century (Standard Plan) | $1,752.00 | $2,642.60 | $4,854.50 | Better benefits than the Basic Plan. |
* Rates are indicative and based on a healthy applicant with no pre-existing conditions, $0 deductible, $100,000 coverage, 365-day policy. Prices vary by exact age, health profile, and coverage options selected. Get a live quote for your exact price. All plans are IRCC-compliant and meet Super Visa insurance requirements.
What is the Cheapest Policy for Travellers with No Pre-Existing Conditions?
Which Super Visa insurance is cheapest for applicants with no pre-existing conditions? For most age brackets, BestQuote MedEC is among the most competitively priced options — and is the only plan that includes three prepaid Maple virtual care consultations and BestQuote's visa refusal full refund policy. For a personalized comparison, use the quote engine on this page to see all available plans ranked by price for your parent's specific age and travel dates.
Compare Super Visa Insurance Plans: Stable Pre-Existing Conditions (2026)
If your parent or grandparent has a managed health condition - such as high blood pressure, diabetes, a previous heart condition, or similar - they need a policy that includes coverage for stable pre-existing conditions. These policies are more expensive, but they protect your family from having a claim denied because of an undisclosed or excluded condition. All pre-existing condition policies available through BestQuote require the condition to have been stable for a defined period before the policy start date - typically 90, 180, or 365 days depending on the insurer and condition. The table below shows indicative annual rates for the same sample profiles.
Annual rates: Stable pre-ex conditions | $100,000 coverage | $0 deductible | 365 days | Indicative rates - get a quote for exact prices
| Insurer/Plan | Age 55 | Age 65 | Age 75 | Notes |
|---|---|---|---|---|
BestQuote MedEC (Stable Pre-Ex) | $1,551.25 | $1,952.75 | $3,806.95 | Maple virtual care included. Visa refusal full refund policy. Exclusive to BestQuote. |
RIMI Secure Travel (Stable Pre-Ex) | $1,576.80 | $2,051.30 | $4,000.40 | Monthly payment available. Competitive pricing at mid-age brackets. |
TruStone Health (HMC - Stable Pre-Ex) | $1,334.34 | $1,867.32 | $3,371.76 | 90/180/365-day stability periods depending on condition. Medical screening required. |
Destination Canada (Stable Pre-Ex) | $1,635.20 | $2,624.35 | $5,183.00 | Monthly payment available. No side trip coverage outside Canada. |
Travelance Premier (Stable Pre-Ex) | $1,715.50 | $3,029.50 | $6,161.20 | Monthly payment available. Broad pre-ex coverage with standard stability periods. |
Manulife Plan B (Stable Pre-Ex) | $2,165.36 | $2,874.38 | $5,426.82 | Canada's most recognized brand. Strong claims infrastructure. |
Travel Shield Starr (Stable Pre-Ex) | $1,748.35 | $2,416.30 | $4,847.20 | Answer Medical questionnaire required. Competitive for ages 60–74. |
JF Visitors Plan (Stable Pre-Ex) | $1,609.65 | $2,394.40 | $4,664.70 | Budget option for pre-ex coverage at lower age brackets. |
MSH Discover Canada (Stable Pre-Ex) | $1,861.50 | $2,259.35 | $4,387.30 | Good option for families needing international service support. |
GMS Visitors Plan (Stable Pre-Ex) | $1,602.35 | $2,405.35 | $5,533.40 | Saskatchewan-based. Reputable for pre-ex claims handling. |
TuGo Visitors Plan (Stable Pre-Ex) | $2,092.54 | $2,986.06 | $5,295.42 | Monthly payment available. 21 available add-ons |
Travel Guard (Stable Pre-Ex) | $1,795.80 | $2,847.00 | N/A | Monthly payment available. 21 available add-ons |
21st Century Enhanced (Stable Pre-Ex) | $1,890.70 | $3,095.20 | $5,712.25 | Monthly payment available. Standard stability periods. |
Allianz (Stable Pre-Ex) | $2,372.50 | $4,201.15 | $9,909.75 | Highest-cost option but strong for complex international cases. |
* Rates are indicative and based on a sample applicant with stable pre-existing conditions, $0 deductible, $100,000 coverage, 365-day policy. Pre-existing condition coverage is subject to the stability period and conditions defined in each policy's wording. Actual prices vary by applicant's exact age, health history, specific conditions, and selected options. Always review policy wording carefully and contact BestQuote if you are unsure which policy is right for your parent's health profile.
Do You Have Questions About Stability Periods?
Not sure whether your parent's condition qualifies as 'stable'? Do not guess. One incorrect answer on a pre-existing condition declaration can result in a denied claim when your family needs coverage most. Call BestQuote at 1-888-888-0510 and our advisors will review your parent's health history at no cost and recommend the right policy.
For a full guide to pre-existing condition coverage for Super Visa insurance, including what 'stability' means and which plans have the most flexible stability periods, see: Visitors to Canada Insurance for Pre-Existing Conditions.
Monthly vs Annual Super Visa Insurance Payment: What's the Difference?
Super Visa insurance can be paid as a single annual premium upfront, or split into monthly instalments. Both payment options are accepted by the IRCC for Super Visa applications - your parent or grandparent is covered either way. The right choice depends on your family's cash flow and preferences.
Annual Payment
✓ Lower total cost — no admin fees
✓ Pro-rated daily refund if parent returns early
✓ Available from all 14 insurers on BestQuote
✗ Full premium required upfront
Best for: families who can pay upfront and want the lowest total cost
Monthly Payment
✓ Lower upfront cost - start with a deposit
✓ Easier for families managing multiple expenses
✓ Accepted by IRCC for Super Visa applications
✗ Slightly higher total annual cost (admin fees)
✗ Only 5 insurers offer monthly payment on BestQuote
Best for: families who prefer to spread the cost over time
Super Visa Insurance with Monthly Payment (No Pre-Existing Conditions) - Indicative Rates
The following insurers offer monthly payment Super Visa insurance through BestQuote's quote engine. Rates shown are indicative monthly premiums for $100,000 coverage, no pre-existing conditions, annual plan paid monthly. Select 'Monthly Payments' in the Category dropdown on the quote tool to see all available monthly plans. Note: monthly payment plan options are also available for travellers with stabe pre-exsting medical conditions.
| Insurer / Plan | Age 55 | Age 65 | Age 75 | Notes |
|---|---|---|---|---|
BestQuote MedEC | Coming Soon! | Coming Soon! | Coming Soon! | Monthly Payments for the BestQuote MedEC Plan will be available soon! |
TruStone (HMC) | Initial Premium: $233.96
Monthly Rate:
$91.98 | Initial Premium:
$321.56
Monthly Rate:
$135.78 | Initial Premium:
$540.12
Monthly Rate: 245.06 | Initial payment includes 2 month's premium and a $50 per policy non-refundable set-up fee. |
RIMI Secure Travel | Initial Premium:
$343.23
Monthly Rate:
$111.63 | Initial Premium:
$390.10
Monthly Rate:
$135.05 | Initial Premium:
$606.67
Monthly Rate:
$243.33
| Initial payment includes 2 month's premium and a $120 per policy non-refundable set-up fee. |
Destination Canada | Initial Premium:
$252.12
Monthly Rate:
$131.06 | Initial Premium:
$356.75
Monthly Rate:
$183.38 | Initial Premium:
$601.91
Monthly Rate:
$305.95 | Initial payment includes 2 month's premium with an extra $10 surcharge. |
Travelance Premier Plan | Initial Premium:
$321.43
Monthly Rate:
$110.72 | Initial Premium:
$432.76
Monthly Rate:
$166.38 | Initial Premium:
$881.10
Monthly Rate:
$390.55 | Initial payment includes 2 month's premium and a $100 per policy non-refundable set-up fee. |
21st Century Basic Plan | Initial Premium:
$281.16
Monthly Rate:
$115.58 | Initial Premium:
$351.13
Monthly Rate:
$150.56 | Initial Premium:
$607.84
Monthly Rate:
$278.92 | Initial payment includes 2 month's premium and a $50 per policy non-refundable set-up fee. |
21st Century Standard Plan | Initial Premium:
$342.00
Monthly Rate:
$146.00 | Initial Premium:
$490.43
Monthly Rate:
$220.22 | Initial Premium:
$859.06
Monthly Rate:
$404.53 | Initial payment includes 2 month's premium and a $50 per policy non-refundable set-up fee. |
To toggle between annual and monthly payment on BestQuote's quote engine, select your insurance type as 'Super Visa' and change the Category dropdown from 'Annual Payment' to 'Monthly Payments'. All plans that offer monthly payment for your parent's profile will appear in the results. Note: Monthly payment plans are also available for travellers with stable pre-existing medical conditions.
How to Lower Your Super Visa Insurance Premium: Understanding Deductibles
A deductible is the amount you pay out of pocket before your insurance policy covers the rest. Choosing a higher deductible is the most reliable way to reduce your Super Visa insurance premium, but there is an important detail most comparison sites do not explain: not all deductibles work the same way
Per-Claim vs Per-Policy Deductibles: The Difference That Matters
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: How Much Can You Save
Here is how choosing a higher deductible affects your premium:
| Deductible | Est. premium saving | Best For | What to consider |
|---|---|---|---|
$0 | Baseline - highest premium | Families who want zero out-of-pocket costs at time of claim | Maximum financial certainty. Best if parents have health conditions and are likely to need care. |
$500 | ~10–12% | Cost-conscious buyers who can absorb a small first-payment | Good middle ground. $500 is manageable for most families if a claim occurs. |
$1,000 | ~18–22% - most popular choice | Most Super Visa applicants balancing cost and risk | Our most recommended deductible for healthy travellers. Saves meaningfully without high exposure. |
$2,500 | ~28–32% | Healthy, younger parents with no pre-existing conditions | High savings, but you take on the first $2,500 of any claim. Suitable for low-risk applicants. |
$5,000 | ~33–38% | Healthy travellers who want catastrophic coverage only | Significant savings, but a minor hospitalization could cost you $5,000 out of pocket. Not suitable for older or less healthy applicants. |
Note: Savings percentages in the deductible table above (20%, 35%) are approximate market averages based on quote data.
Super Visa Insurance for Pre-Existing Conditions: What You Need to Know
If your parent or grandparent takes medication for high blood pressure, diabetes, a heart condition, arthritis, or similar chronic conditions, they have a pre-existing condition. This does not mean they cannot be insured - most insurers available through BestQuote offer policies that cover stable pre-existing conditions.
The key requirement is a stability period - a defined period during which the condition must have been stable before the policy start date. 'Stable' means no new symptoms, no changes to medication or dosage, no hospitalizations, and no new tests or investigations during that period. Stability periods typically range from 90 to 180 days depending on the insurer and the specific condition.
Important Note: One wrong answer on a pre-existing condition application can result in a denied claim at the worst possible moment. If you are unsure whether a condition qualifies as stable, call BestQuote before purchasing. Our advisors review applications at no extra cost.
The BestQuote MedEC Policy: What Makes It Different
Among the 14 Super Visa insurance options available through BestQuote, we offer our exclusive BestQuote MedEC Visitors Health and Repatriation policy, which includes pre-paid doctor access 24/7 via Maple, Canada's top virtual care medical provider.
While MedEC is not the right choice for every family, and we always recommend comparing all available options, it is worth understanding what makes it unique before you buy.
BestQuote MedEC for Super Visa Standout Features
Maple Virtual Care
Use a licensed Canadian doctor via phone app - including video - for minor issues like colds, rashes, prescriptions, and renewals at no cost.
Visa Refusal Full Refund
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 doctor consultations are built directly into your MedEC policy - saving both money and time navigating Canadian healthcare.
To see whether MedEC is available for your parent or grandparent's profile and trip length, use the quote engine on this page. If it is available, it will appear in your results alongside all other qualifying plans so you can compare price, deductible options, and key benefits side by side.
Why Use BestQuote to Compare Super Visa Insurance?
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 info@bestquotetravelinsurance.ca. 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.
Canada’s Super Visa is only available to parents and grandparents of Canadian citizens or permanent residents. Applicants must show proof of relationship, meet income and support requirements, and have valid medical insurance from a Canadian provider. For additional information, please visit the Canadian Government’s Super Visa eligibility page.
The best Super Visa insurance provider depends on your age, health history, and coverage needs. Since prices and benefits vary by company, the easiest way to find the right policy is to generate a Super Visa insurance quote, which lets you compare multiple providers side by side to see both costs and coverage options.
The insurance company will review your request, and in most cases, the policy can be extended.
Some plans allow monthly payments - please select “monthly payment” when getting a quote. Keep in mind that monthly payment plans usually include a set-up fee, while annual plans do not.
Yes, you must buy Super Visa insurance before applying. Proof of coverage is required to submit a Super Visa application.