Super Visa Insurance: Requirements, Cost & Best Plans (2026)
Super Visa insurance is mandatory medical insurance of at least $100,000, valid for one year, required for parents and grandparents applying for a Canada Super Visa. Most applicants pay between $1,200 and $2,800 per year, and monthly payment plans are accepted by IRCC. Below is everything you need to qualify — and a tool to compare real premiums in under a minute.
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Official insurer rates, sorted by price — buy before the IRCC application with free date changes.
Get Instant QuotesIRCC requirements at a glance
- Minimum $100,000 emergency medical coverage
- Valid for at least 365 days from date of entry to Canada
- Issued by a Canadian insurance company (or IRCC-approved international provider)
- Covers health care, hospitalization, and repatriation
- Proof of full payment or monthly instalment plan
Exact annual premiums by age
Official insurer rates for $100,000 coverage over 365 days with $0 deductible (best available price across our plans, effective March 1, 2026):
| Age | No pre-existing conditions | With stable pre-existing conditions |
|---|---|---|
| 41-60 | $1,295.75 / year | $1,609.65 / year |
| 61-64 | $1,522.05 / year | $1,803.10 / year |
| 65-69 | $1,949.10 / year | $2,394.40 / year |
| 70-74 | $2,679.10 / year | $3,744.90 / year |
| 75-79 | $3,325.15 / year | $4,664.70 / year |
| 80-85 | $5,343.60 / year | $7,646.75 / year |
Choosing a deductible reduces these premiums by 5–30%. Final premium is confirmed at application.
Want monthly payment amounts, prices for higher coverage, and ways to pay less? See the full Super Visa insurance cost breakdown.
Frequently asked questions
How much does Super Visa insurance cost?
Super Visa insurance typically costs between $1,200 and $2,800 per year for applicants aged 60 to 75, depending on age, coverage amount, deductible, and whether pre-existing conditions are covered. Applicants aged 40 to 60 usually pay $800 to $1,500 per year.
What are the Super Visa insurance requirements?
IRCC requires Super Visa applicants to hold medical insurance from a Canadian insurance company (or approved international provider) with at least $100,000 in emergency medical coverage, valid for at least one year from the date of entry, covering health care, hospitalization, and repatriation.
Can I pay for Super Visa insurance monthly?
Yes. Since 2022, IRCC accepts Super Visa insurance paid in monthly instalments. Several Canadian insurers offer monthly payment plans, typically with a small deposit (first two months) and a financing surcharge of around 8%.
When should I buy Super Visa insurance — before or after booking flights?
Buy it before submitting the Super Visa application: IRCC requires proof of insurance with the application, long before flights are booked. Choose an estimated start date when you buy — the start date can be changed free of charge any time before the coverage begins, so a delayed visa or a different flight date is never a problem.
Is Super Visa insurance refundable if the visa is refused?
Yes. All major Canadian insurers provide a full refund if the Super Visa application is refused and no claim has been made, provided you supply the refusal letter.
What if my parent leaves Canada earlier than one year?
The unused portion of the premium is refundable if no claim has been made. Provide proof of the departure date, such as a boarding pass, and the refund is processed for the remaining coverage period — subject to the policy's minimum-premium and administration conditions.
Does Super Visa insurance cover pre-existing conditions?
Many plans can cover pre-existing medical conditions if they have been stable for a defined period, usually 90 to 180 days before the effective date. Expect a premium increase of roughly 30 to 45 percent for this coverage.
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