Super Visa Insurance Cost 2026

Super visa insurance is one of the biggest costs in the whole application, so it makes sense to understand what you are paying for. The good news is that the price is driven by a short list of clear factors. Once you know them, you can compare quotes fairly and avoid overpaying.

What you are paying for

The super visa requires emergency medical insurance of at least CAD $100,000, from a Canadian insurer, valid for at least one year, covering the parent or grandparent for the whole stay. See the full rules on our requirements page and insurance guide.

The policy is meant to cover sudden, unexpected medical care — hospital stays, emergency treatment, and similar costs. It is travel medical insurance, not the kind of full provincial health coverage residents get.

What drives the price

A handful of factors explain almost the entire premium. The biggest one is usually age.

• Age of the parent or grandparent. Older applicants pay more, and prices often step up sharply past age 70 and again past 80.
• Coverage amount. $100,000 is the minimum; many families choose $150,000 or higher, which raises the premium.
• Deductible. A higher deductible (the amount you pay before the insurer pays) lowers the premium, but means more out of pocket if a claim happens.
• Trip length. A policy must cover at least one year, but the exact number of days of coverage affects the total.
• Pre-existing conditions. Stable, well-managed conditions may be covered for a higher price; unstable ones can raise the cost or be excluded. See our pre-existing conditions page.

How to compare quotes fairly

Two quotes are only comparable if they cover the same things. Before you compare price, make sure the coverage amount, deductible, trip length, and pre-existing condition treatment all match.

1. Pick one coverage amount (for example $100,000) and use it for every quote.
2. Pick one deductible and keep it the same across quotes.
3. Check how each policy handles pre-existing conditions and the stability period.
4. Confirm the insurer is Canadian and the policy meets all super visa requirements.
5. Only then compare the final premium.

Ways to lower the cost honestly

There are a few legitimate ways to reduce the premium without breaking the rules. The main trade-off is a higher deductible, which lowers the price but raises your risk if a claim happens.

• Choose a higher deductible if you can afford the out-of-pocket risk.
• Buy only the coverage amount you need, but never below the $100,000 minimum.
• Compare monthly versus annual payment plans — see our monthly payments page.
• Apply while the parent's health is stable, since unstable conditions cost more.