How Much Does Super Visa Insurance Cost for 48-Year-Old Parents or Grandparents? Real 2026 Quotes with Different Deductibles and Monthly Plans
Real 2026 Super Visa insurance quotes for a couple both age 48 with no pre-existing conditions. Different deductible options ($0, $250, $500, $1000) plus monthly payment plans for RIMI and Destination Canada. Verified prices from all 5 Canadian insurers.
How Much Does Super Visa Insurance Cost for 48-Year-Old Parents or Grandparents? Real 2026 Quotes Across Different Deductibles and Monthly Plan Options
Some Canadian sponsor families bring parents to Canada earlier than most parents in their mid- to late-40s, still working, still healthy. If both your parents (or grandparents) are age 48 with no pre-existing medical conditions, this resource shows every real 2026 Super Visa insurance price across different deductibles and monthly payment options.
Every number below is verified from the DaddySafe live quote engine as of August 2026 for: Couple, both parents age 48, no pre-existing conditions, Alberta, 365-day Super Visa policy, $100,000 coverage.
Real 2026 Quotes: $0 Deductible
Insurer | Total Annual Premium (CAD) | Monthly Plan Available |
|---|---|---|
RIMI Standard ✅ Cheapest | $2,481.48 | Yes |
RIMI Enhanced | $2,818.20 | Yes |
Destination Canada | $2,913.36 | Yes |
21st Century | $3,012.47 | Yes |
GMS | $3,198.84 | No |
Manulife | $3,660.00 | No |
Real 2026 Quotes: $250 Deductible
Note: at the $250 deductible tier, some insurers may not offer coverage for this profile. Only the insurers below responded.
Insurer | Total Annual Premium (CAD) | Monthly Plan Available |
|---|---|---|
RIMI Standard ✅ Cheapest | $2,232.60 | Yes |
RIMI Enhanced | $2,540.04 | Yes |
Destination Canada | $2,620.56 | Yes |
21st Century | $2,711.23 | Yes |
Real 2026 Quotes: $500 Deductible
Insurer | Total Annual Premium (CAD) | Monthly Plan Available |
|---|---|---|
RIMI Standard ✅ Cheapest | $2,108.16 | Yes |
GMS | $2,386.32 | No |
RIMI Enhanced | $2,393.64 | Yes |
Destination Canada | $2,474.16 | Yes |
21st Century | $2,560.60 | Yes |
Manulife | $2,964.60 | No |
Real 2026 Quotes: $1,000 Deductible (Best Savings)
Insurer | Total Annual Premium (CAD) | Savings vs $0 Deductible |
|---|---|---|
RIMI Standard ✅ Cheapest | $1,983.72 | Saved $497.76 (20%) |
RIMI Enhanced | $2,254.56 | Saved $563.64 (20%) |
Destination Canada | $2,327.76 | Saved $585.60 (20%) |
21st Century | $2,409.98 | Saved $602.49 (20%) |
GMS | $2,444.88 | Saved $753.96 (24%) |
Manulife | $2,788.92 | Saved $871.08 (24%) |
Deductible savings insight: Moving from $0 to $1,000 deductible saves this age 48 couple $500 to $900 per year with only $1,000 exposure in the event of a claim.
💳 Monthly Payment Plans: Full Cost Breakdown
Not every family can pay $2,000 to $3,000 upfront. RIMI, Destination Canada, and 21st Century offer monthly payment plans that spread the cost across 12 months. Here is exactly how the two most common monthly plans work for age 48 couples.
Option A: RIMI Monthly Plan
RIMI charges a one-time $120 policy issue fee added to the first payment. After that, 10 equal monthly installments.
RIMI Monthly Formula:
Monthly premium = Annual premium ÷ 12
Initial payment = (Monthly premium × 2) + $120 policy issue fee
Next 10 payments = Monthly premium each
Total paid over year = Annual premium + $120
Worked example — RIMI Standard at $1,983.72 (age 48 couple, $1,000 deductible):
Monthly premium: $1,983.72 ÷ 12 = $165.31
Initial payment: ($165.31 × 2) + $120 = $450.62
Next 10 monthly payments: $165.31 each
Total paid over year: $2,103.72 (only $120 more than paying annual lump sum)
RIMI Monthly Snapshot for Age 48 Couple, $100K Coverage:
RIMI Plan / Deductible | Annual | Initial Payment | Monthly (next 10) | Total Paid |
|---|---|---|---|---|
RIMI Standard @ $0 ded | $2,481.48 | $533.58 | $206.79 | $2,601.48 |
RIMI Enhanced @ $0 ded | $2,818.20 | $589.70 | $234.85 | $2,938.20 |
RIMI Standard @ $250 ded | $2,232.60 | $492.10 | $186.05 | $2,352.60 |
RIMI Enhanced @ $250 ded | $2,540.04 | $543.34 | $211.67 | $2,660.04 |
RIMI Standard @ $500 ded | $2,108.16 | $471.36 | $175.68 | $2,228.16 |
RIMI Enhanced @ $500 ded | $2,393.64 | $518.94 | $199.47 | $2,513.64 |
RIMI Standard @ $1000 ded | $1,983.72 | $450.62 | $165.31 | $2,103.72 |
RIMI Enhanced @ $1000 ded | $2,254.56 | $495.76 | $187.88 | $2,374.56 |
Option B: Destination Canada Monthly Plan
Destination Canada spreads a $10 fee across every monthly installment ($120 total in fees per year).
Destination Canada Monthly Formula:
Base monthly = Annual premium ÷ 12
Monthly installment = Base monthly + $10 fee
Initial payment = Monthly installment × 2
Next 10 payments = Monthly installment each
Total paid over year = Annual premium + $120
Worked example — Destination Canada at $2,327.76 (age 48 couple, $1,000 deductible):
Base monthly: $2,327.76 ÷ 12 = $193.98
Monthly installment: $193.98 + $10 = $203.98
Initial payment: $203.98 × 2 = $407.96
Next 10 monthly payments: $203.98 each
Total paid over year: $2,447.76
Destination Canada Monthly Snapshot for Age 48 Couple, $100K Coverage:
DTC Deductible | Annual | Initial Payment | Monthly (next 10) | Total Paid |
|---|---|---|---|---|
$0 ded | $2,913.36 | $505.56 | $252.78 | $3,033.36 |
$250 ded | $2,620.56 | $456.76 | $228.38 | $2,740.56 |
$500 ded | $2,474.16 | $432.36 | $216.18 | $2,594.16 |
$1000 ded | $2,327.76 | $407.96 | $203.98 | $2,447.76 |
Option C: 21st Century Monthly Plan
21st Century also offers a monthly payment option. Exact formula varies — run a live quote at daddysafe.ca to see the specific 21st Century monthly breakdown.
Who Wins for Age 48 Couple (No Pre-Existing)?
Cheapest annual premium: RIMI Standard at $1,983.72 (with $1,000 deductible).
Best value with premium features: RIMI Enhanced adds semi-private hospital room, meals for accompanying family, and transport-to-bedside benefits — typically for only $270-$340 more per year than RIMI Standard.
Higher Coverage Amounts for Age 48 Couples
$200,000 coverage: All 5 insurers typically offer. Expect premiums approximately 90% higher than $100K.
$300,000 coverage: Manulife, RIMI, Destination Canada, and GMS offer this. 21st Century caps at $200K.
$500,000 coverage: Only RIMI Standard and RIMI Enhanced offer this coverage tier for couples.
$1,000,000 coverage: Only RIMI offers the ultra-premium coverage tier.
Pre-Existing Conditions Note
This resource covers the profile where both parents have NO pre-existing medical conditions. If either parent has pre-existing conditions, premiums will be meaningfully higher. Companion resources for other pre-existing combinations coming soon.
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About This Pricing
All quotes verified from the DaddySafe live quote engine as of August 2026 for the specific profile above. Actual quotes may vary slightly by exact age (birthday timing) and province.
DaddySafe is a Canadian online insurance comparison platform operated by Immunis Financial Brokers Inc., a licensed Canadian brokerage.
Frequently Asked Questions
How much does Super Visa insurance cost for a 48-year-old couple in 2026?
For a couple both age 48 with no pre-existing conditions, $100,000 coverage, 365-day Super Visa in Alberta: at $0 deductible, prices range from $2,481.48 (cheapest) to the highest option depending on insurer. At $1,000 deductible (best savings), prices are approximately 20% lower. RIMI Standard is typically cheapest. All prices verified from DaddySafe live quote engine as of August 2026.
Which insurer is cheapest for age 48 parents with no pre-existing conditions?
RIMI Standard is the cheapest Super Visa insurance for a couple both age 48 with no pre-existing conditions at $1,000 deductible: $1,983.72 for $100K coverage in Alberta.
Does RIMI offer monthly payment plans?
Yes. RIMI offers a monthly payment plan with a one-time $120 policy issue fee added to the initial payment. Monthly premium = Annual ÷ 12. Initial payment = (Monthly × 2) + $120. Then 10 equal monthly payments. Total paid over the year = Annual premium + $120.
How much is RIMI monthly payment for age 48 couple?
For age 48 couple, no pre-existing, $100K coverage, $1,000 deductible: RIMI Standard monthly plan is $450.62 initial payment, then 10 payments of $165.31 each. Total paid over the year is $2,103.72.
Does Destination Canada offer monthly payment plans?
Yes. Destination Canada spreads a $10 fee across every monthly installment ($120 total in fees per year). Structured as 12 monthly installments. Monthly installment = (Annual ÷ 12) + $10. Initial payment = Monthly installment × 2. Then 10 equal monthly installments.
How much is Destination Canada monthly payment for age 48 couple?
For age 48 couple, no pre-existing, $100K coverage, $1,000 deductible: Destination Canada monthly plan is $407.96 initial payment, then 10 payments of $203.98 each. Total paid over the year is $2,447.76.
What deductible options are available for Super Visa insurance?
Four deductible options: $0, $250, $500, and $1,000. Higher deductible = lower premium. Note: at $250 deductible, GMS and Manulife typically do not offer coverage.
How much can I save with a $1,000 deductible at age 48?
Approximately 20% across all 5 insurers. That is $500-$900 CAD per year in savings, with only $1,000 exposure in the event of a claim.
What is the difference between RIMI Standard and RIMI Enhanced?
RIMI Standard covers a ward hospital room (3-4 bed shared) and standard benefits. RIMI Enhanced adds semi-private room (2-bed), meals for accompanying family during hospitalization, and transport-to-bedside benefits. Enhanced typically costs $270-$340 more per year.
Do age 48 parents need the pre-existing coverage plan?
Only if either parent has a pre-existing condition. For couples with no health issues, the standard exclusion plan is sufficient and cheaper.
Should I buy $100K or $200K Super Visa coverage at age 48?
Most healthy age 48 couples are well-served by $100K coverage. $200K adds approximately 90% more premium for a doubling of protection — worth it only if the family wants extra buffer for catastrophic events.
Can I get $1 million Super Visa coverage for age 48 parents?
Yes — but only through RIMI, which is the only Canadian visitor insurer offering the $1M coverage tier.
Is monthly payment cheaper than paying annual?
No — monthly plans always cost $120 more per year due to the fees. But if paying $2,000-$3,000 upfront is not feasible, monthly plans make Super Visa insurance accessible for many families.
Does 21st Century offer monthly payment plans?
Yes, 21st Century offers monthly. Exact formula varies — run a live quote at daddysafe.ca for the specific 21st Century monthly breakdown.
Do GMS and Manulife offer monthly payments?
No. GMS and Manulife require annual lump-sum payment. Choose RIMI, Destination Canada, or 21st Century for monthly plans.
Does the pricing change by province?
Slightly. Alberta, BC, and Ontario have very similar pricing. Quebec and Atlantic provinces may have small variations.
Do these Super Visa insurance prices change during the year?
Canadian insurers typically update rate schedules annually (most commonly July 1). Prices above are current as of August 2026 and are locked in for the full coverage year once purchased.
How do I get an exact quote for my age 48 parents?
Visit daddysafe.ca/supervisa and enter your parents' exact date of birth, coverage, deductible, start date, and province. All 5 insurers' quotes appear side by side in under 60 seconds. Same prices as buying direct — no markup, no phone calls.