Super Visa Insurance Cost in Canada
Bringing your parents or grandparents to Canada? Estimate the cost in seconds, understand exactly what IRCC requires, and get a compliant policy that protects your family reunion.
Super Visa Insurance Cost Estimator
Estimate the annual premium for a visiting parent or grandparent.
IRCC requires a minimum of $100,000.
A higher deductible lowers the premium.
How much does Super Visa insurance cost?
For the mandatory $100,000 of coverage, most families pay between $1,000 and $6,000+ per year. Age is the single biggest factor. The table below shows representative 2026 annual premiums for a healthy applicant at the minimum coverage level.
| Applicant Age | Est. Annual Premium ($100k) | Notes |
|---|---|---|
| Under 55 | $700 – $1,100 | Lowest premiums; widest insurer choice |
| 55 – 59 | $900 – $1,350 | Still very affordable |
| 60 – 64 | $1,100 – $1,650 | Most common applicant band |
| 65 – 69 | $1,450 – $2,300 | Pre-existing coverage adds cost |
| 70 – 74 | $1,950 – $3,300 | Medical questionnaire matters |
| 75 – 79 | $2,800 – $4,900 | Fewer insurers; compare carefully |
| 80+ | $4,500 – $8,500+ | Specialist plans required |
Figures are illustrative estimates for planning only, not quotes. Final premiums vary by insurer, health, coverage amount, deductible, and travel dates.
Super Visa insurance requirements (IRCC)
To approve a Super Visa, which allows parents and grandparents to stay in Canada for up to 5 years per visit, IRCC requires proof of valid medical insurance that meets all of the following:
Minimum $100,000 CAD in emergency medical coverage
Valid for at least 1 year (365 days) from the date of entry to Canada
Coverage for healthcare, hospitalization, and repatriation
Issued by a Canadian insurance company, or an insurer authorized by IRCC
Proof of paid coverage available for the visa application
Requirements can change. Always confirm the current rules on the official Government of Canada (IRCC) website before applying.
Super Visa insurance, answered
How much does Super Visa insurance cost in Canada in 2026?
Super Visa insurance typically costs between $1,000 and $6,000+ per year for the mandatory $100,000 of coverage. The price depends almost entirely on the applicant’s age and whether pre-existing conditions are covered. A healthy applicant aged 55-64 often pays around $900-$1,650 per year, while applicants aged 80+ with pre-existing conditions can pay $6,000-$10,000 or more.
What are the Super Visa insurance requirements?
IRCC requires medical insurance with at least $100,000 in emergency coverage, valid for a minimum of one year from the date of entry, covering healthcare, hospitalization, and repatriation, from a Canadian insurance company or an insurer authorized by IRCC. Proof of paid coverage must accompany the Super Visa application.
Can I pay for Super Visa insurance monthly?
Yes. IRCC accepts monthly installment plans for Super Visa insurance. Monthly plans help with cash flow, though they usually cost slightly more over the full year than paying the annual premium upfront.
Is Super Visa insurance refundable if the visa is denied?
Most Super Visa insurance policies are fully refundable if the visa application is denied, provided you supply proof of the refusal and have not made a claim. Partial refunds are also generally available if a covered visitor leaves Canada early.
Can I lower my Super Visa insurance premium?
Yes. Choosing a higher deductible reduces the premium, and buying coverage at the minimum required $100,000 rather than a higher amount lowers cost. An independent broker can compare multiple Canadian insurers to find the best price for the applicant’s exact age and health profile.
Get a compliant Super Visa policy
We compare Canadian insurers to find the right coverage at the best price, with monthly-pay and refundable options. Free, no-obligation quote.
