Super Visa Insurance for Couple Age 65 and Age 62 2026: With & Without Pre-Existing Conditions Comparison
Real 2026 Super Visa insurance quotes for a couple one parent age 65 and the other age 62. With & Without Pre-Existing Conditions Comparison across all 5 Canadian insurers, every deductible tier, plus monthly payment plans.
Super Visa Insurance for Couple Age 65 and Age 62 2026: With & Without Pre-Existing Conditions Comparison
When a Canadian sponsor family brings both parents to Canada on a Super Visa and one parent is age 65 and the other is age 62, this is the exact 2026 Super Visa insurance pricing across every insurer, every deductible, and every scenario with and without pre-existing medical conditions.
What this resource covers: This is a cross-band scenario: one parent is age 65 (in the 65-69 pricing band) and the other is age 62 (in the 60-64 pricing band). This creates a unique blended pricing that reflects both parents' individual age tiers. The numbers below are the actual couple premium for this specific age combination.
All prices verified from the DaddySafe live quote engine as of August 2026 for: Couple, one parent age 65 and the other age 62, 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 cholesterol, cardiac history, thyroid conditions, cancer history. Full reference: 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 |
|---|---|---|---|
RIMI Standard | $2,957.28 | $3,681.96 | +$724.68 (+24.5%) |
RIMI Enhanced | $3,363.54 | $4,018.68 | +$655.14 (+19.5%) |
Destination Canada | $3,714.90 | $4,611.60 | +$896.70 (+24.1%) |
21st Century | $3,841.56 | $5,430.38 | +$1,588.82 (+41.4%) |
GMS | $4,216.32 | $4,216.32 | +$0.00 (+0.0%) |
Manulife | $4,926.36 | $5,420.46 | +$494.10 (+10.0%) |
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 |
|---|---|---|---|
RIMI Standard | $2,664.48 | $3,315.96 | +$651.48 (+24.5%) |
RIMI Enhanced | $3,030.48 | $3,616.08 | +$585.60 (+19.3%) |
Destination Canada | $3,345.24 | $4,150.44 | +$805.20 (+24.1%) |
21st Century | $3,457.41 | $4,887.34 | +$1,429.93 (+41.4%) |
Side-by-Side Cost Comparison: $500 Deductible
Insurer | No Pre-Existing | With Pre-Existing | Pre-Existing Cost Impact |
|---|---|---|---|
RIMI Standard | $2,510.76 | $3,129.30 | +$618.54 (+24.6%) |
RIMI Enhanced | $2,858.46 | $3,418.44 | +$559.98 (+19.6%) |
Destination Canada | $3,158.58 | $3,919.86 | +$761.28 (+24.1%) |
21st Century | $3,265.33 | $4,615.82 | +$1,350.49 (+41.4%) |
GMS | $3,294.00 | $3,294.00 | +$0.00 (+0.0%) |
Manulife | $3,989.40 | $4,388.34 | +$398.94 (+10.0%) |
Side-by-Side Cost Comparison: $1,000 Deductible (Best Savings)
Insurer | No Pre-Existing | With Pre-Existing | Pre-Existing Cost Impact |
|---|---|---|---|
RIMI Standard | $2,364.36 | $2,946.30 | +$581.94 (+24.6%) |
RIMI Enhanced | $2,690.10 | $3,213.48 | +$523.38 (+19.5%) |
Destination Canada | $2,971.92 | $3,689.28 | +$717.36 (+24.1%) |
21st Century | $3,073.25 | $4,344.30 | +$1,271.05 (+41.4%) |
GMS | $3,081.72 | $3,081.72 | +$0.00 (+0.0%) |
Manulife | $3,755.16 | $4,128.48 | +$373.32 (+9.9%) |
Key Takeaway
Cheapest without pre-existing conditions: RIMI Standard at $2,364.36 (with $1,000 deductible)
Cheapest with pre-existing conditions: RIMI Standard at $2,946.30 (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 parents with 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
RIMI, Destination Canada, and 21st Century offer monthly payment plans. Here is how the two most popular monthly plans work for a couple age 65 and age 62.
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.
Example (No Pre-Existing) — RIMI Standard at $2,364.36:
Monthly premium: $197.03
Initial payment: $514.06
Next 10 payments: $197.03 each
Total paid: $2,484.36
Example (With Pre-Existing) — RIMI Standard at $2,946.30:
Monthly premium: $245.53
Initial payment: $611.05
Next 10 payments: $245.53 each
Total paid: $3,066.30
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.
Example (No Pre-Existing) Destination Canada at $2,971.92:
Monthly installment: $257.66
Initial payment: $515.32
Next 10 payments: $257.66 each
Total paid: $3,091.92
Example (With Pre-Existing) Destination Canada at $3,689.28:
Monthly installment: $317.44
Initial payment: $634.88
Next 10 payments: $317.44 each
Total paid: $3,809.28
21st Century Monthly Plan
21st Century also offers monthly. Run a live quote at daddysafe.ca for exact 21st Century monthly breakdown.
How Insurers Handle Pre-Existing Conditions
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 (90 days under 60, 120 days at 60-69, 180 days at 70-79)
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.
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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:
Exact date of birth (integer age at policy start): Canadian visitor insurers price by integer age. As long as your parent's age at the policy start date matches this resource, the price is identical. Crossing an age-band boundary (turning 55, 60, 65, 70, 75, or 80) moves you to the next pricing tier.
Time of purchase: Canadian insurers update rate schedules typically once per year (most commonly July 1). Buying just before a scheduled rate change locks in the older rate.
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 parents' specific dates of birth, use the DaddySafe comparison tool at daddysafe.ca/supervisa.
Frequently Asked Questions
How much does Super Visa insurance cost for a couple age 65 and age 62 in 2026?
For this couple with $100K coverage, 365-day Super Visa in Alberta: at $0 deductible, prices range from approximately $2,957.28 (no pre-existing, cheapest insurer) to $5,430.38 (with pre-existing, highest insurer). $1,000 deductible saves about 20%.
Which insurer is cheapest for a couple age 65 and age 62 with no pre-existing conditions?
RIMI Standard at $2,364.36 for $100K coverage, $1,000 deductible.
Which insurer is cheapest for a couple age 65 and age 62 WITH pre-existing conditions?
RIMI Standard at $2,946.30 for $100K coverage, $1,000 deductible.
Does a small age difference between parents change the Super Visa insurance price?
It depends. If both parents are within the same integer-age band (e.g., both in 45-54 or both in 65-69), pricing is the same as for a same-age couple in that band. If one parent has crossed into the next band, the couple premium blends the two age tiers. The tables above show the exact result for the specific age combination age 65 and age 62.
What is a pre-existing medical condition?
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 this specific age combination, adding pre-existing coverage typically costs 15% to 40% more than the standard exclusion plan. Exact impact varies by insurer see the side-by-side 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 for couples?
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 for couples?
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 this couple choose $100K or $200K coverage?
$100K is the IRCC minimum and is often sufficient for healthy parents. $200K adds approximately 90% more premium for a doubling of protection worth it for parents with health risks or families wanting catastrophic-event buffer.
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 parent's birthday crosses an age band during the policy year?
Pricing is locked at the policy effective date based on the parents' integer ages at that moment. Even if a parent turns another year during the coverage year, the premium does not change mid-policy. At renewal, the new age applies.
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.