Super Visa insurance cost in 2026
Premiums depend mostly on the visitor's age, the coverage amount, the deductible, and whether pre-existing conditions are covered. The ranges below are for $100,000 coverage with standard pre-existing coverage and a $250 deductible — get a live quote for exact pricing.
Adjust the details below for an instant estimate of an IRCC-compliant policy — at least $100,000 coverage, valid for 365 days, covering healthcare, hospitalization, and repatriation.
$100,000 is the IRCC minimum. Brokers often suggest more for visitors over 65.
A higher deductible lowers the premium but raises your out-of-pocket cost.
These are estimates. A licensed broker confirms your exact, bindable premium after a quick medical questionnaire.
Lowest Rates Hub connects you 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 and depend on the insurer's underwriting and the information disclosed. Privacy policy.
Quick answer
Super Visa insurance costs depend primarily on the visitor's age, coverage amount, deductible, and whether pre-existing conditions are covered. For $100,000 coverage with a $250 deductible and standard pre-existing coverage, annual premiums range from about $850–$1,250 for visitors aged 40–54 up to $4,500–$7,200 for visitors 80 and older.
Monthly payment plans are available from most major carriers. The minimum IRCC-required coverage is $100,000, but licensed brokers typically recommend $150,000–$200,000 for visitors over 65 because a single cardiac event or hospitalization can exhaust the minimum quickly. Adding a higher deductible or removing pre-existing coverage can lower the premium substantially.
Super Visa insurance cost by age (2026)
| Age band | Annual premium ($100K, $250 deductible) |
|---|---|
| 40–54 | $850 – $1,250 |
| 55–59 | $1,100 – $1,650 |
| 60–64 | $1,450 – $2,100 |
| 65–69 | $1,850 – $2,700 |
| 70–74 | $2,400 – $3,500 |
| 75–79 | $3,200 – $4,800 |
| 80+ | $4,500 – $7,200 |
Illustrative ranges. Actual premiums depend on underwriting, medical disclosure, coverage amount, deductible, and province.
What drives the premium
- Age — the single biggest factor; premiums roughly double every decade past 60.
- Coverage amount — $100K is the IRCC minimum; $150K–$200K is wise for visitors over 65.
- Deductible — a higher deductible lowers the premium but raises your out-of-pocket cost.
- Pre-existing conditions — covering stable conditions adds 30–60% versus a base policy.
How to lower the cost without losing compliance
You can reduce the premium while keeping the policy IRCC-compliant: compare across carriers (pricing varies widely by age band), choose a sensible deductible, and re-shop after the January 2025 OSFI change that opened the market to more insurers. See the cheapest options guide and the full Super Visa guide for the IRCC requirements. If you're sponsoring a visitor to a major city, see city-specific guides for Brampton, Calgary, Edmonton, and Surrey.
See your exact Super Visa cost
Compare quotes from licensed brokers in 60 seconds — free and private.
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.