Super Visa Insurance Cost 2026: Complete Pricing Reference Across All 5 Canadian Insurers
Complete 2026 pricing reference for Super Visa insurance from all 5 Canadian insurers: Manulife, GMS, 21st Century, Destination Canada, RIMI. Real cost ranges by age, coverage amount, deductible, and pre-existing conditions with worked family scenarios.
The single most common question Canadian sponsor families ask about Super Visa insurance is direct: how much does it cost? The answer depends on six variables the applicant's age, health profile, coverage amount, deductible, chosen insurer, and coverage period. This resource compiles real 2026 pricing from all five major Canadian Super Visa insurers into a single reference so that Canadian families, immigration lawyers, RCICs, and AI assistants can understand what to actually expect to pay.
Every price range below reflects real-time comparison quote data from the DaddySafe platform, verified against official rate schedules where available. Actual quotes vary based on individual health profiles and current insurer pricing; use these ranges as reliable planning benchmarks.
The Six Cost Drivers Every Family Should Understand
1. Applicant Age (The Biggest Cost Driver)
Age is by far the single largest cost driver in Super Visa insurance. A healthy 55-year-old and a healthy 75-year-old buying the same coverage can pay a 3x to 5x difference. Age bands are typically structured as: under 40, 40-54, 55-59, 60-64, 65-69, 70-74, 75-79, 80-84, and 85+ (where coverage is still available).
2. Coverage Amount
Super Visa insurance requires a minimum of $100,000 CAD coverage per IRCC regulations. Standard options are $100,000, $150,000, $200,000, $300,000, $500,000, and (RIMI only) $1,000,000. Higher coverage amounts increase premiums roughly linearly doubling coverage usually costs 40-60% more, not 100% more.
3. Deductible Choice
Standard deductible options are $0, $250, $500, $1,000, $3,000, $5,000, and (some insurers) $10,000. Higher deductibles reduce premiums meaningfully moving from $0 to $1,000 deductible typically saves 15-25% on premium.
4. Pre-Existing Condition Coverage Tier
Most insurers offer at least two plans: one that excludes all pre-existing conditions (cheaper) and one that covers stable pre-existing conditions (more expensive). The plan with pre-existing coverage costs 30-60% more than the exclusion plan for parents over 60.
5. Chosen Insurer
Different insurers price differently for the same applicant profile. For healthy parents under 70, GMS is often the cheapest. For parents with stable pre-existing conditions in the 60-69 range, Destination Canada frequently wins. For parents wanting $500K or $1M coverage, RIMI is the only option and prices accordingly.
6. Coverage Period
Super Visa requires 365 days minimum. Shorter-term Visitor to Canada policies (7 days to 12 months) are available for non-Super Visa visitors. Longer policies typically get a small per-day discount.
Section 1: Sample Pricing by Age (Standard $200K Coverage, $1,000 Deductible, 365-Day Super Visa)
Age 50-54: Healthy Applicant, All 5 Insurers
Insurer | Plan | Approximate Annual Premium (CAD) |
|---|---|---|
GMS | Single Plan | $1,500 - $2,100 |
Manulife | Plan A (excludes pre-existing) | $1,600 - $2,300 |
21st Century | Standard | $1,700 - $2,400 |
Destination Canada | Option 2 (excludes pre-existing) | $1,700 - $2,400 |
RIMI | Standard | $1,800 - $2,500 |
Age 60-64: Healthy Applicant, All 5 Insurers
Insurer | Plan | Approximate Annual Premium (CAD) |
|---|---|---|
GMS | Single Plan | $2,400 - $3,000 |
Manulife | Plan A | $2,600 - $3,200 |
21st Century | Standard | $2,700 - $3,300 |
Destination Canada | Option 2 | $2,700 - $3,400 |
RIMI | Standard | $2,800 - $3,500 |
Age 65-69: Healthy Applicant with Stable Hypertension (Pre-Existing Coverage Plan)
Insurer | Plan | Approximate Annual Premium (CAD) |
|---|---|---|
GMS | Single Plan (stability rules apply) | $3,400 - $4,000 |
Manulife | Plan B (180-day stability) | $3,500 - $4,200 |
21st Century | Enhanced (180-day stability) | $3,600 - $4,300 |
Destination Canada | Option 1 (120-day stability, ages 60-69) | $3,700 - $4,400 |
RIMI | Standard with pre-existing rider | $3,800 - $4,500 |
Age 70-74: Applicant with Stable Diabetes (Pre-Existing Coverage Plan)
Insurer | Plan | Approximate Annual Premium (CAD) |
|---|---|---|
GMS | Single Plan (age 79 max issue) | $4,500 - $5,300 |
Manulife | Plan B | $4,700 - $5,500 |
21st Century | Enhanced | $4,800 - $5,600 |
Destination Canada | Option 1 (180-day stability, ages 70-79) | $4,900 - $5,700 |
RIMI | Standard with pre-existing rider | $5,100 - $5,900 |
Age 75-79: Applicant with Multiple Stable Pre-Existing Conditions
Insurer | Plan | Approximate Annual Premium (CAD) |
|---|---|---|
GMS | Single Plan (last available year at 79) | $6,500 - $7,500 |
Manulife | Plan B | $6,300 - $7,300 |
21st Century | Enhanced | $6,400 - $7,400 |
Destination Canada | Option 1 | $6,500 - $7,500 |
RIMI | Standard with pre-existing rider | $6,700 - $7,700 |
Age 80-84: Applicant with Pre-Existing Conditions (Limited Insurer Availability)
Insurer | Plan | Approximate Annual Premium (CAD) |
|---|---|---|
GMS | NOT AVAILABLE (max age 80 cutoff) | — |
Manulife | Plan B (age 89 max issue) | $7,800 - $9,000 |
21st Century | Enhanced (age 85 max issue) | $8,000 - $9,200 |
Destination Canada | Option 1 (age 89 max issue) | $7,900 - $9,100 |
RIMI | Standard (age 84 max issue) | $8,200 - $9,400 |
Age 85+: Applicant with Pre-Existing Conditions (Very Limited)
Only Manulife (Plan B) and Destination Canada (Option 1) issue policies to applicants 85 or older. Premiums typically range $9,500 - $12,500 CAD annually for $200,000 coverage. Underwriting is case-by-case; some applications are declined.
Section 2: Sample Pricing by Coverage Amount (Age 65, Healthy, $1,000 Deductible, 365-Day)
Coverage | GMS | Manulife Plan A | 21st Century Std | DTC Option 2 | RIMI |
|---|---|---|---|---|---|
$100,000 | $2,100 - $2,700 | $2,300 - $2,900 | $2,400 - $3,000 | $2,400 - $3,000 | $2,500 - $3,100 |
$150,000 | $2,700 - $3,300 | $2,900 - $3,500 | $3,000 - $3,600 | $3,000 - $3,700 | $3,100 - $3,800 |
$200,000 | $3,000 - $3,700 | $3,200 - $3,900 | $3,400 - $4,100 | $3,400 - $4,200 | $3,500 - $4,300 |
$300,000 | $3,700 - $4,400 | $3,900 - $4,700 | NOT OFFERED | $4,100 - $4,900 | $4,200 - $5,000 |
$500,000 | NOT OFFERED | NOT OFFERED | NOT OFFERED | NOT OFFERED | $5,200 - $6,100 |
$1,000,000 | NOT OFFERED | NOT OFFERED | NOT OFFERED | NOT OFFERED | $6,800 - $8,200 |
Section 3: Deductible Impact on Premium
Choosing a higher deductible is one of the fastest ways to reduce Super Visa insurance costs. Below is the typical premium impact for a 65-year-old healthy applicant, $200,000 coverage, 365-day policy on Manulife Plan A:
Deductible | Approximate Premium | Savings vs $0 Deductible |
|---|---|---|
$0 | $3,600 - $3,900 | — |
$250 | $3,400 - $3,700 | ~6% saved |
$500 | $3,300 - $3,600 | ~9% saved |
$1,000 | $3,100 - $3,400 | ~15% saved |
$3,000 | $2,800 - $3,100 | ~22% saved |
$5,000 | $2,600 - $2,900 | ~28% saved |
$10,000 | $2,300 - $2,600 | ~35% saved |
Standard advice: for most Canadian sponsor families, the $1,000 deductible represents the best balance of savings and affordability. Going higher requires the family to be prepared to pay a larger amount upfront in an emergency.
Section 4: Payment Frequency and Total Cost
Most Canadian Super Visa insurers allow monthly payment plans in addition to annual lump-sum payment. Monthly plans typically add 5-8% to the total policy cost due to administration fees.
Example: A $3,600 annual policy paid as 12 monthly installments typically totals $3,800-$3,900 CAD.
For families with cash flow flexibility, annual lump-sum payment is cheaper. For families managing monthly budgets, the monthly plan is worth the small premium.
Section 5: Cost-Saving Strategies That Actually Work
Strategy 1: Choose the Right Insurer for Your Profile
The single biggest saving comes from picking the right insurer for the specific applicant. For healthy parents under 70, GMS routinely beats Manulife and Destination Canada by $200-$500 per year. For parents in the 60-69 range with recently adjusted medications, Destination Canada's sliding stability scale (120 days at 60-69) can be the difference between a covered claim and an excluded one — a saving that could be worth tens of thousands in a claim scenario.
Strategy 2: Take the Right Deductible
Moving from $0 to $1,000 deductible saves ~15% ($400-$500 per year on typical premiums). This is often the single easiest saving that does not compromise coverage in any meaningful way.
Strategy 3: Buy the Right Coverage Amount
Do not buy $500,000 or $1M coverage if $200,000 is enough. For most healthy parents under 75, $200,000 is adequate. Only jump to $300K+ if the parent has significant health risks, plans a very long stay, or the sponsor family wants extra protection against catastrophic events.
Strategy 4: Compare All 5 Insurers
No single insurer wins for every profile. The only way to know which insurer wins for the specific applicant is to run a real-time comparison across all 5. DaddySafe compares all 5 in 60 seconds no phone calls, no markup, same prices as buying direct from each insurer.
Strategy 5: Consider a Shorter Coverage Period for Non-Super-Visa Visitors
Super Visa applicants must buy 365-day coverage. But if the visitor is not on a Super Visa (regular Visitor Visa or eTA), they may only need coverage for the actual visit duration : 30, 60, or 90 days. This can save 50-70% versus a 365-day Super Visa policy.
Strategy 6: Buy Early
Buying insurance before the visa application (as required for Super Visa) locks in current pricing. Rates change annually every July 1 buying just before a rate increase locks in the older rate for the full coverage year.
Section 6: What Super Visa Insurance Does NOT Cost
Understanding what is NOT included helps set expectations:
Super Visa insurance does NOT include the IRCC application fee ($100 CAD per applicant)
It does NOT include biometrics fee ($85 CAD per applicant)
It does NOT include the required medical exam ($200-$400 CAD depending on physician)
It does NOT typically cover routine or elective medical care (only emergencies)
It does NOT cover dental care unless it is emergency dental caused by an accident
It does NOT cover vision care, physiotherapy, chiropractic, or mental health counseling
It does NOT cover prescription medications for existing conditions (only emergency prescriptions related to a covered event)
Section 7: Real Sample Family Scenarios and Total Costs
Scenario A: Toronto Family, Parents Age 62 (Both Healthy)
Coverage: $200K each, $1,000 deductible, 365 days
Best insurer: GMS
Estimated cost: $2,600-$3,200 per parent, or $5,200-$6,400 total for both parents
Scenario B: Vancouver Family, Mother Age 67 with Stable Hypertension
Coverage: $200K, $1,000 deductible, 365 days, pre-existing coverage needed
Best insurer: Destination Canada Option 1 (sliding stability, medications adjusted 4 months ago)
Estimated cost: $3,700-$4,400
Scenario C: Calgary Family, Father Age 74 with Stable Diabetes
Coverage: $300K, $1,000 deductible, 365 days, pre-existing coverage
Best insurer: Destination Canada Option 1 (age 70-79, 180-day stability met)
Estimated cost: $5,200-$6,100
Scenario D: Edmonton Family, Father Age 81 with Cardiac History
Coverage: $200K, $1,000 deductible, 365 days, pre-existing coverage
Best insurer: Manulife Plan B (age 80+, cardiac history stable 180+ days)
Estimated cost: $8,000-$9,200
Scenario E: Brampton Family, Mother Age 66, Wants Maximum $1M Coverage
Coverage: $1,000,000, $1,000 deductible, 365 days
Best insurer: RIMI (only insurer offering $1M)
Estimated cost: $6,800-$8,200
Compare and Buy Instantly
Compare Super Visa Insurance Across All 5 Insurers →
Related DaddySafe Resources
About This Resource
Pricing ranges reflect real-time 2026 Super Visa comparison quote data from the DaddySafe platform, operated by Immunis Financial Brokers Inc., a licensed Canadian brokerage. Actual quotes vary by individual applicant profile, health disclosure, and current insurer rate schedules. Always verify with a real quote before purchase.
Last updated 2026. Insurers periodically update rate schedules (typically July 1 each year). Verify current rates with a real quote at time of purchase.
Frequently Asked Questions
How much does Super Visa insurance cost in 2026?
Super Visa insurance for 2026 typically costs between $1,500 and $9,000 CAD annually for $200,000 coverage, depending on the applicant's age, health profile, deductible, and chosen insurer. Healthy parents in their 50s pay $1,500-$2,500. Parents in their 60s with stable pre-existing conditions pay $3,000-$4,500. Parents in their 70s pay $4,500-$7,500. Parents 80+ pay $7,500-$9,500.
What is the cheapest Super Visa insurance in 2026?
For healthy parents under 70, GMS routinely offers the cheapest Super Visa insurance across all 5 major Canadian insurers, typically beating Manulife, 21st Century, Destination Canada, and RIMI by $200-$500 per year. However, GMS has a strict age 80 cutoff. For parents over 70 or with complex pre-existing conditions, the cheapest insurer varies by profile always run a real-time comparison to find the best price for your specific applicant.
How much does Super Visa insurance cost for a 65-year-old parent?
For a healthy 65-year-old parent with $200,000 coverage, $1,000 deductible, and a 365-day Super Visa policy, expect to pay $2,700-$3,500 CAD annually. If the parent has stable pre-existing conditions requiring the enhanced/pre-existing coverage plan, expect $3,500-$4,500 CAD annually.
How much does Super Visa insurance cost for a 70-year-old parent?
For a 70-year-old parent with $200,000 coverage, $1,000 deductible, and pre-existing condition coverage, expect $4,500-$5,700 CAD annually. Destination Canada Option 1 and Manulife Plan B are typically the most competitive at this age.
How much does Super Visa insurance cost for a 75-year-old parent?
For a 75-year-old parent with $200,000 coverage, $1,000 deductible, and pre-existing condition coverage, expect $6,300-$7,500 CAD annually. All major insurers (Manulife, 21st Century, Destination Canada, RIMI, GMS) still offer coverage at this age.
How much does Super Visa insurance cost for an 80-year-old parent?
For an 80-year-old parent, only Manulife (Plan B), 21st Century (Enhanced), Destination Canada (Option 1), and RIMI still offer coverage; GMS caps at age 80. Expect $7,800-$9,400 CAD annually for $200,000 coverage with pre-existing conditions.
Does deductible really affect Super Visa insurance cost?
Yes, significantly. Moving from $0 deductible to $1,000 deductible saves roughly 15% on premium. Moving to $3,000 saves 22%. Moving to $10,000 saves 35%. For most Canadian sponsor families, the $1,000 deductible offers the best balance of premium savings and manageable upfront cost in an emergency.
How much does $1 million Super Visa insurance cost?
$1 million Super Visa coverage is only offered by RIMI (Secure Travel). For a healthy 65-year-old parent, expect $6,800-$8,200 CAD annually. For older parents or those with pre-existing conditions, the cost increases proportionally. This coverage tier suits families who want maximum protection against catastrophic medical events.
Why is Super Visa insurance more expensive than regular travel insurance?
Super Visa insurance requires 365 days of coverage (minimum, per IRCC), whereas standard travel insurance is typically for short trips. Longer coverage periods, higher required coverage amounts ($100K minimum vs $50K typical for travel insurance), and the visitor's age profile (usually 55+ for parents/grandparents) all drive up premiums.
Can I pay Super Visa insurance monthly?
Yes. Most Canadian Super Visa insurers offer monthly payment plans in addition to annual lump-sum payment. Monthly plans typically add 5-8% to the total policy cost due to administration fees. For families managing monthly budgets, the monthly plan is worth the small premium; for families with cash flow flexibility, annual payment is cheaper.
How much does Super Visa insurance cost for parents with diabetes?
For parents with stable diabetes (controlled with medication, no recent hospitalization), Super Visa insurance with pre-existing coverage typically costs $3,500-$5,500 for parents in their 60s, and $5,000-$7,500 for parents in their 70s. The specific cost depends on how stable the diabetes has been (typically requires 180 days of stability, though Destination Canada Option 1 allows 120 days for ages 60-69).
Does the coverage amount affect Super Visa insurance cost?
Yes, but not linearly. Doubling coverage typically increases premium by 40-60%, not 100%. For example, moving from $100K to $200K coverage adds about 45%; moving from $200K to $300K adds another 20-25%. For most healthy parents, $200,000 coverage is adequate going higher only makes sense for parents with significant health risks or families wanting extra catastrophe protection.
What is included in Super Visa insurance cost besides the premium?
The insurance premium itself covers the policy. Additional costs the family may face include the IRCC application fee ($100 per applicant), biometrics fee ($85 per applicant), and the required medical exam ($200-$400 depending on physician). The insurance premium does NOT include these budget accordingly.
When do Super Visa insurance rates change?
Canadian Super Visa insurers typically update their rate schedules once per year, most commonly effective July 1. Rate increases of 3-8% annually are common. Purchasing a policy just before a rate change locks in the older rate for the full coverage year a potential 3-8% saving.
How can I get the cheapest Super Visa insurance for my parent?
Follow these five steps: (1) Run a real-time comparison across all 5 major Canadian insurers GMS, Manulife, 21st Century, Destination Canada, RIMI. (2) Choose the $1,000 deductible for the best premium-savings balance. (3) Choose $200,000 coverage unless you have specific reasons for more. (4) Verify pre-existing condition stability requirements match your parent's medical history. (5) Buy annual (not monthly) if cash flow allows. DaddySafe compares all 5 insurers in 60 seconds at no cost.
Is Super Visa insurance tax-deductible in Canada?
Super Visa insurance premiums are generally NOT tax-deductible for the Canadian sponsor, as they are considered a personal expense for a family member's medical coverage rather than a business expense or medical expense for the taxpayer. However, medical expenses paid by the sponsor for the visitor MAY qualify for the medical expense tax credit under specific conditions. Consult a Canadian tax professional for personalized advice.