Super Visa Insurance Cost: Real 2026 Prices by Age
Super Visa insurance costs between $1,296 and $3,325 per year for the required $100,000 coverage, depending on the applicant's age. These are official Canadian insurer rates (effective March 1, 2026), not estimates. Monthly payment plans accepted by IRCC start around $117 per month. Here is exactly what you will pay — and five ways to pay less.
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Get My Super Visa QuoteAnnual cost by age ($100,000 coverage)
Best available price across our plans, 365 days, $0 deductible:
| Age | Annual premium | ≈ Monthly instalment* | With pre-existing coverage |
|---|---|---|---|
| 41-60 | $1,295.75 | $116.62/mo | $1,609.65 |
| 61-64 | $1,522.05 | $136.98/mo | $1,803.10 |
| 65-69 | $1,949.10 | $175.42/mo | $2,394.40 |
| 70-74 | $2,679.10 | $241.12/mo | $3,744.90 |
| 75-79 | $3,325.15 | $299.26/mo | $4,664.70 |
| 80-85 | $5,343.60 | $480.92/mo | $7,646.75 |
*Monthly figure includes the typical 8% instalment surcharge, divided over 12 months. IRCC accepts monthly-paid Super Visa insurance.
Cost by coverage amount
$100,000 is the IRCC minimum, but many families choose more — a single serious hospitalization can exceed $100,000. Annual premiums without pre-existing coverage:
| Age | $100,000 | $150,000 | $200,000 |
|---|---|---|---|
| 41-60 | $1,295.75 | $1,554.90 | $2,343.30 |
| 61-64 | $1,522.05 | $1,803.10 | $2,587.85 |
| 65-69 | $1,949.10 | $2,091.45 | $2,836.05 |
| 70-74 | $2,679.10 | $3,449.25 | $4,792.45 |
| 75-79 | $3,325.15 | $3,931.05 | $5,204.90 |
| 80-85 | $5,343.60 | $5,942.20 | $7,227.00 |
5 ways to lower the cost
- Take a deductible. A $500 deductible saves 15%, $1,000 saves 20%, and $3,000 saves 30% — on a $2,679 premium (age 70–74) that's up to $804 back.
- Skip pre-existing coverage if it isn't needed. If the applicant has no ongoing medical conditions, the standard schedule costs 20–45% less.
- Compare plans — same coverage, different price. Two insurers can differ by hundreds of dollars for an identical $100,000 policy. Our quote tool sorts them by price automatically.
- Pay monthly if cash flow matters. The ~8% surcharge is usually worth it versus delaying the application, and early-return refunds still apply.
- Claim your refund when plans change. Visa refused → full refund. Parent returns home early → the unused months are refundable (no claims, proof of departure).
Frequently asked questions
How much does Super Visa insurance cost per year?
For the required $100,000 coverage with $0 deductible, real 2026 annual premiums are about $1,296 for ages 41–60, $1,522 for ages 61–64, $1,949 for ages 65–69, $2,679 for ages 70–74, and $3,325 for ages 75–79. Covering stable pre-existing conditions raises these by roughly 20–45%.
How much is Super Visa insurance per month?
On a monthly instalment plan, $100,000 coverage costs roughly $117 per month for ages 41–60, $137/month for 61–64, $175/month for 65–69, $241/month for 70–74, and $299/month for 75–79, including the typical 8% financing surcharge. IRCC accepts monthly-paid policies.
What is the cheapest Super Visa insurance?
The lowest premiums come from choosing the minimum $100,000 coverage, taking a deductible ($500 saves 15%, $1,000 saves 20%, $3,000 saves 30%), and skipping pre-existing condition coverage if the applicant has no ongoing conditions. Comparing insurers matters too — prices for identical coverage can differ by several hundred dollars per year.
Why is Super Visa insurance so expensive for ages 70+?
Premiums are priced on medical risk, and claim costs rise steeply with age — a hospital stay in Canada costs $3,000–$5,000 per day, which the insurer must cover up to $100,000 or more. A deductible and a claims-free year make the next year's renewal more affordable.
Do both parents need separate Super Visa insurance policies?
Each applicant needs their own coverage, but both parents can be included on one application, and couples' policies are priced per person by each person's age. Submitting together keeps the paperwork simple and the coverage dates aligned.
Is cheaper insurance from my home country acceptable for a Super Visa?
Generally no. IRCC requires insurance from a Canadian insurance company, or from an international provider on IRCC's approved list. Policies from unapproved foreign insurers are rejected, so buying Canadian coverage is the safe route.
New to the Super Visa process? Start with the full Super Visa insurance guide or the friendly parents' first-visit checklist.
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