The Short Answer
If you’re bringing your parents or grandparents to Canada on a Super Visa, here’s the question every family asks first: how much does Super Visa insurance cost?
The honest short answer: most families pay somewhere between $100 and $300 per month per parent for the required $100,000 coverage — but your exact price depends on age, health, and a few choices you control.
In this guide, I’ll show you real 2026 Super Visa insurance price ranges by age, explain the five factors that decide your premium, and show you why the cheapest provider is different for every family — with real examples from my quote desk here in Brampton.
Super Visa Insurance Cost by Age: 2026 Price Table
Below are typical annual ranges for $100,000 coverage, 365 days, $0 deductible, for a healthy applicant. These are examples as of September 2026 — individual quotes will vary:
| Age at application | Typical annual range | Roughly per month |
|---|---|---|
| 41-60 | $1,155 – $1,800 | $96 – $150 |
| 61–64 | $1,512 – $2,800 | $126 – $233 |
| 65-69 | $1,710-$3,000 | $143 – $250 |
| 70–74 | $2,500 – $4,000 | $208 – $333 |
| 75 | $2,898 – $5,500+ | $242 – $458+ |
| 76-79 | $3,610- $6,000+ | $301 – $500+ |
Please note: these rates are for reference only. Insurance rates change frequently — discuss with your broker to know the latest rates for your parents’ exact age and health situation.
Two things to notice. First, age is the single biggest driver — a 74-year-old can pay more than double what a 55-year-old pays for the same coverage. Second, these are ranges, not quotes. The spread exists because every provider prices age and health differently — which brings us to the most important part of this guide.
5 Factors That Decide Your Super Visa Insurance Cost
1. Age. The biggest factor, as the table shows. Each birthday band brings a jump in premium.
2. Pre-existing conditions. Stable diabetes or hypertension can usually be covered, but it costs more — and each provider defines “stable” differently (typically 90–180 days with no new symptoms or medication changes).
3. Deductible. Choosing a $500 or $1,000 deductible instead of $0 can cut the premium by roughly 15–20%. It means paying more out of pocket if you claim, so it’s a trade-off worth thinking through.
4. Coverage amount. IRCC requires a minimum of $100,000. Bumping to $150,000 costs more but gives extra peace of mind for older parents.
5. Monthly vs annual payments. Monthly plans cost a little more over the full year, but they only need the first and last month upfront — helpful for cash flow.
Why the Cheapest Provider Changes With Age
Here’s what most cost guides won’t tell you: no single provider is cheapest for everyone. Here are three real quotes from my desk in September 2026 — all $100,000 coverage, 365 days, $0 deductible:
- A couple, aged 73 and 68, both with stable diabetes (pre-existing covered): cheapest option around $5,330/year (about $444/month).
- A single 62-year-old with controlled hypertension on daily tablets (pre-existing covered): cheapest around $1,621/year (about $135/month) — from a different provider than the couple above.
- A couple, 66 and 59, with mixed health (one pre-existing covered, one not): cheapest around $3,088/year.
Three families, three different winners. This is exactly why I compare 10+ providers for every quote — the “best” company on paper is rarely the cheapest for your parents’ specific age and health situation.
Did You Know? 5 Details That Can Change Your Price and Coverage
- A few providers offer up to 5% discount for couples on the same policy.
- You can get up to 40–45% discount by adding a deductible, depending on the provider.
- Some providers do not include accidental death coverage — check before you assume it’s there.
- Some providers do not refund the unused premium for an early return if you have made a claim.
- Some providers cover side trips to the US during the stay in Canada, subject to their applicable terms.
That’s why it’s important to discuss your situation with a broker — the cheapest quote on paper isn’t always the best option for your family.
How to Lower Your Super Visa Insurance Cost (Without Losing Protection)
- Consider a higher deductible if your family can handle $500 or $1,000 out of pocket on a claim.
- Match the pre-existing terms to reality. Don’t pay extra for stability terms your parent doesn’t need — but never skip coverage for a condition they do have.
- Compare at least 3 providers — or have a broker do it. Comparing costs you nothing and routinely saves families hundreds.
- Buy before you apply. Last-minute changes and rework after a visa submission cost time and money.
- Don’t go below $100,000 coverage to save money — it’s the IRCC minimum, and going without enough protection is the most expensive mistake of all.
Monthly vs Annual Payments: Which Costs Less?
Paying annually is cheaper overall and usually comes with more flexible refund terms. Monthly plans cost a bit more across the year plus a small setup fee — but with only the first and last month due upfront, many families prefer the cash flow. IRCC accepts both, so it’s purely a budget decision.
Super Visa Insurance Cost FAQs
What is the cheapest Super Visa insurance in Canada?
There is no single cheapest company — it changes with age and health, as the examples above show. The cheapest approach is comparing multiple providers for your exact situation.
Can I pay for Super Visa insurance monthly?
Yes. Most providers offer monthly plans with the first and last month payable upfront plus a small setup fee.
Does Super Visa insurance cover pre-existing conditions?
Often yes, if the condition has been stable for the provider’s required stability period (usually 90–180 days). Always disclose everything — non-disclosure can void a claim.
What if the visa is denied — do I get a refund?
Yes. Most providers give a full refund with proof of visa denial, as long as coverage hasn’t started.
How much is Super Visa insurance for a 70-year-old?
For a healthy 70-year-old with $100,000 coverage and $0 deductible, expect roughly $2,500–$4,000 per year. With pre-existing conditions covered, it will be higher.
Get Your Exact Price in 15 Minutes
Ranges are useful — but your parents aren’t a range. Message me on WhatsApp with their ages and health details, and I’ll compare 10+ providers and send you the three cheapest options. Free, no obligation, and you’ll have real numbers the same day.