Which Super Visa insurance is best?

It depends on the visitor's age and health. Manulife leads on claims experience, Sun Life on oldest-age eligibility, GMS on value for healthy 55–69 visitors, and 21st Century on price for the 70s. Compare for the specific applicant.

Is the most expensive Super Visa policy the best?

No. The best policy is the one whose pre-existing terms, deductible, and direct-pay network fit the visitor — not simply the priciest. A mid-priced policy with stable-condition coverage often beats a cheaper exclusionary one.

Super Visa · Best

Best Super Visa insurance, by need

"Best" depends on the visitor's age, health, and what matters most at claim time. Below are the carriers that lead each category — compare them for your specific applicant.

Best Super Visa carriers in 2026

Best overall claims experience

Manulife

Largest direct-pay hospital network and a strong multilingual claims team — the cleanest experience when something goes wrong.

Best for ages 80+

Sun Life

Writes up to age 89 where most carriers decline, with flexible deductibles.

Best value, ages 55–69

GMS

Consistently competitive on the healthy 60-something band; family-owned and responsive.

Best for clear pre-existing terms

Tugo

Plain-language pre-existing definitions and generous cancellation terms.

Best price, ages 70–79

21st Century

Often the lowest premium in the 70s with pre-existing coverage available.

How to choose between them

Match the carrier to the visitor: prioritise a broad direct-pay network and stable-condition coverage for older or higher-risk visitors, and value for younger healthy ones. For a deeper look at each carrier, see the Manulife Super Visa review, Sun Life Super Visa review, GMS Super Visa review, and 21st Century Super Visa review. The full Super Visa guide covers the 7-step framework and the IRCC requirements; see cost by age for pricing.

Compare the best carriers for your visitor

A licensed broker matches the right carrier to the visitor's age and health — free.

Get my Super Visa quotes 647-362-5511

Lowest Rates Hub connects consumers with licensed insurance brokers across Canada. Quotes are provided by partner brokers and the carriers they represent; LRH does not bind coverage or hold an insurance licence. Estimates are not bound coverage. Final premiums depend on the insurer's underwriting and the information disclosed in the application. Policies underwritten by IDC Worldsource and partner insurers. Privacy policy.