Super Visa Insurance Cost for a Couple (Both Parents Age 85 and Above) 2026: With & Without Pre-Existing Conditions Comparison
Real 2026 Super Visa insurance quotes for a couple where both parents are in the Age 85 and Above age band. With & Without Pre-Existing Conditions Comparison across all 5 Canadian insurers, every deductible tier, plus monthly payment plans. Pricing identical for every age in this band.
Super Visa Insurance Cost for a Couple (Both Parents Age 85 and Above) 2026: With & Without Pre-Existing Conditions Comparison
What this resource covers, in plain language: if your mother and father are BOTH within the age band Age 85 and Above (meaning both are ages 85, 86, 87, ... up to 89), Canadian insurers use IDENTICAL pricing for every age within this band. The prices you see below apply equally whether both parents are 85, 89, or any age in between.
This resource shows every real 2026 Super Visa insurance price for this profile with and without pre-existing conditions side by side, every insurer, every deductible tier.
All prices verified from the DaddySafe live quote engine as of August 2026 for: Couple, both parents in Age 85 and Above band, Alberta, 365-day Super Visa policy, $100,000 coverage.
What Counts as a Pre-Existing Condition?
A pre-existing condition is any medical condition your parent has been diagnosed with, treated for, or taken medication for before the policy effective date. Common examples: diabetes, hypertension (high blood pressure), high cholesterol, cardiac history, thyroid conditions, cancer history. Full reference here: Pre-Existing Conditions Across All 5 Canadian Insurers 2026.
Side-by-Side Cost Comparison: $0 Deductible
Insurer | No Pre-Existing | With Pre-Existing | Pre-Existing Cost Impact |
|---|---|---|---|
Manulife | $10,072.32 | $11,075.16 | +$1,002.84 (+10.0%) |
21st Century | $11,323.20 | $14,150.69 | +$2,827.49 (+25.0%) |
RIMI Standard | $12,531.84 | — | — |
RIMI Enhanced | $13,219.92 | — | — |
Side-by-Side Cost Comparison: $250 Deductible
Note: at the $250 deductible tier, some insurers may not offer coverage for this profile.
Insurer | No Pre-Existing | With Pre-Existing | Pre-Existing Cost Impact |
|---|---|---|---|
21st Century | $10,190.88 | $12,735.63 | +$2,544.75 (+25.0%) |
Side-by-Side Cost Comparison: $500 Deductible
Insurer | No Pre-Existing | With Pre-Existing | Pre-Existing Cost Impact |
|---|---|---|---|
Manulife | $8,154.48 | $8,967.00 | +$812.52 (+10.0%) |
21st Century | $9,624.72 | $12,028.09 | +$2,403.37 (+25.0%) |
Side-by-Side Cost Comparison: $1,000 Deductible (Best Savings)
Insurer | No Pre-Existing | With Pre-Existing | Pre-Existing Cost Impact |
|---|---|---|---|
Manulife | $7,671.36 | $8,439.96 | +$768.60 (+10.0%) |
21st Century | $9,058.56 | $11,320.56 | +$2,262.00 (+25.0%) |
RIMI Standard | $10,650.60 | — | — |
RIMI Enhanced | $11,236.20 | — | — |
Same Pricing Applies for Every Age in This Band
To be absolutely clear: the pricing above applies IDENTICALLY for a couple where both parents are age 85, 86, 87, 88, 89. Canadian visitor insurers use integer-age bands, and every year within the Age 85 and Above band prices exactly the same. If your parent's birthday will cross into the next age band before the policy starts, expect a step-up in premium.
Key Takeaway
Cheapest without pre-existing conditions: Manulife at $7,671.36 (with $1,000 deductible)
Cheapest with pre-existing conditions: Manulife at $8,439.96 (with $1,000 deductible)
The pre-existing coverage plan tier typically costs 15% to 40% more than the standard exclusion plan depending on the insurer. For families with parents who have controlled diabetes, hypertension, or other stable conditions, this extra cost is essential without pre-existing coverage, ANY claim related to the condition is denied.
💳 Monthly Payment Plans
Not every family can pay $2,000 to $5,000 upfront. RIMI, Destination Canada, and 21st Century offer monthly payment plans. Here is how the two most popular monthly plans work for a couple in the Age 85 and Above band.
RIMI Monthly Plan
RIMI charges a one-time $120 policy issue fee. Then 10 equal monthly installments.
Formula: Monthly = Annual ÷ 12. Initial payment = (Monthly × 2) + $120. Next 10 payments = Monthly each. Total = Annual + $120.
RIMI Standard example (No Pre-Existing) — annual $10,650.60:
Monthly premium: $887.55
Initial payment: $1,895.10
Next 10 payments: $887.55 each
Total paid over year: $10,770.60
Destination Canada Monthly Plan
Destination Canada spreads a $10 fee across every monthly installment ($120 total per year).
Formula: Monthly installment = (Annual ÷ 12) + $10. Initial payment = Installment × 2. Total = Annual + $120.
21st Century Monthly Plan
21st Century also offers monthly. Contact DaddySafe or run a live quote for exact 21st Century monthly breakdown.
How Insurers Handle Pre-Existing at This Age Band
Manulife Plan B — covers stable pre-existing with a 180-day stability requirement
21st Century Enhanced — covers stable pre-existing (180-day stability), underwritten by Manulife
Destination Canada Option 1 — sliding stability scale (varies by age)
RIMI Enhanced with Pre-Existing Rider — covers stable pre-existing per policy wording
GMS — pre-existing rider for stable conditions
Full policy language: Pre-Existing Conditions Complete Reference.
Higher Coverage Amounts
$200,000 coverage: All 5 insurers offer. Expect premiums approximately 90% higher than $100K.
$300,000 coverage: Manulife, RIMI, Destination Canada, GMS offer. 21st Century caps at $200K.
$500,000 coverage: Only RIMI Standard and RIMI Enhanced offer this.
$1,000,000 coverage: Only RIMI offers this ultra-premium tier — the highest available in Canada.
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Important Pricing Disclaimer
Prices shown are verified quotes from the DaddySafe live quote engine as of August 2026 for the exact profile described. The final price you pay depends on two variables that you should understand clearly:
Exact date of birth (integer age at policy start): Canadian visitor insurers price by integer age at the policy start date. As long as your parent is within the age band shown, the price is identical. But crossing an age-band boundary (turning 55, 60, 65, 70, 75, or 80 before the policy starts) moves you to the next pricing tier.
Time of purchase: Canadian insurers typically update their rate schedules once per year (most commonly effective July 1). Buying just before a scheduled rate change locks in the older rate for the full coverage year.
DaddySafe.ca is committed to providing open, transparent, and current pricing for comparison purposes. Quotes are not guaranteed or binding and may change without notice. A quotation is not an insurance contract or confirmation of coverage. Coverage begins only after insurer approval, payment of the required premium, and issuance of official policy documents or written confirmation.
For an exact quote for your parent's specific date of birth and preferred start date, use the DaddySafe comparison tool at daddysafe.ca/supervisa.
Frequently Asked Questions
How much does Super Visa insurance cost for a couple where both parents are in the Age 85 and Above age band in 2026?
For a couple where both parents are within the age band Age 85 and Above, $100K coverage, 365-day Super Visa in Alberta: at $0 deductible, prices range from approximately $10,072.32 (no pre-existing, cheapest insurer) to $14,150.69 (with pre-existing, highest insurer). Canadian insurers use identical pricing for every age within this band.
Does the price change if my parents are different ages within the Age 85 and Above band?
No. Canadian visitor insurers use integer-age bands, and every year within the Age 85 and Above band prices identically. Only when a parent crosses into the next age band (e.g., turning 90 before policy start) does the premium step up.
Which insurer is cheapest for a couple in the Age 85 and Above band with no pre-existing conditions?
Manulife at $7,671.36 for $100K coverage, $1,000 deductible.
Which insurer is cheapest for a couple in the Age 85 and Above band WITH pre-existing conditions?
Manulife at $8,439.96 for $100K coverage, $1,000 deductible.
What is a pre-existing medical condition?
A pre-existing condition is any medical condition your parent has been diagnosed with, treated for, or taken medication for before the policy effective date. Common examples: diabetes, hypertension, cardiac history, thyroid, cancer history.
How much extra does pre-existing coverage cost?
For a couple in the Age 85 and Above band, adding pre-existing coverage typically costs 15% to 40% more than the standard exclusion plan. Exact impact varies by insurer — see the comparison tables above.
Do I need pre-existing coverage if my parents take daily medication?
Yes. If your parents take daily medication for any condition, you MUST select the pre-existing coverage plan. Otherwise any claim related to that condition — even a minor one — will be denied.
Does RIMI offer monthly payment plans?
Yes. RIMI monthly: Monthly premium = Annual ÷ 12. Initial payment = (Monthly × 2) + $120 policy issue fee. Then 10 equal monthly payments. Total = Annual + $120.
Does Destination Canada offer monthly payment plans?
Yes. DTC monthly: Monthly installment = (Annual ÷ 12) + $10. Initial payment = Installment × 2. Then 10 equal monthly installments. Total = Annual + $120.
What deductibles are available?
Four options: $0, $250, $500, $1,000. Higher deductible = lower premium (about 20% savings from $0 to $1,000).
Should couples in this age band choose $100K or $200K coverage?
For healthy couples in the Age 85 and Above band, $100K is typically sufficient. Jump to $200K if you want extra buffer for catastrophic events or if the parents have significant health risks.
What is the stability period for pre-existing conditions?
Most insurers require the condition to have been stable (no medication changes, no new symptoms, no hospitalizations) for 180 days before the policy effective date. Destination Canada Option 1 offers a sliding scale (90 days under 60, 120 days at 60-69, 180 days at 70-79).
Do these prices change during the year?
Canadian insurers typically update rates annually (July 1). Prices shown are current as of August 2026 and are locked in for the full coverage year once purchased.
What happens if one of my parents will turn 90 before the policy starts?
If a parent will be age 90 or older on the policy effective date, they cross into the next age band and pricing changes. Insurers use integer age at policy start. If buying close to a birthday that crosses a band, consider starting the policy before the birthday to lock in current-band pricing.
Where can I get an exact quote for my parents' specific dates of birth?
Visit daddysafe.ca/supervisa and enter exact date of birth for both parents, coverage, deductible, start date, and province. All 5 insurers' quotes appear side by side in 60 seconds.