Super Visa Insurance for a Parent with Multiple Pre-Existing Conditions (Age 65-74) 2026: Real Cost Comparison Across All 5 Canadian Insurers
Real 2026 Super Visa insurance quotes for a parent age 65-74 with multiple pre-existing conditions. Complete pricing comparison across all 5 Canadian insurers, with and without pre-existing coverage, all deductible tiers, plus monthly payment plans.
Super Visa Insurance for a Parent with Multiple Pre-Existing Conditions (Age 65-74) 2026: Real Cost Comparison Across All 5 Canadian Insurers
If your parent has more than one pre-existing condition say, hypertension AND diabetes, or cardiac history AND thyroid Super Visa insurance underwriting becomes more complex. Every condition must be stable, and some insurers are stricter than others. This resource shows real 2026 pricing for a parent with multiple pre-existing conditions.
All prices below are verified from the DaddySafe live quote engine as of August 2026 for: Single parent age 65-74, $100,000 coverage, 365-day Super Visa policy, Alberta. Pricing is identical for every integer age within this band.
Real 2026 Cost Comparison: With vs Without Multiple Pre-Existing Conditions Coverage
The tables below compare each insurer's standard exclusion plan (does NOT cover multiple pre-existing conditions) versus the pre-existing coverage plan (covers stable multiple pre-existing conditions). The difference is the extra cost of buying protection for the condition.
$0 Deductible
Insurer | No Pre-Existing (Standard Plan) | With Pre-Existing (Enhanced Plan) | Extra Cost of Pre-Existing Coverage |
|---|---|---|---|
RIMI Standard | $2,576.64 | $3,389.16 | +$812.52 (+31.5%) |
Destination Canada | $2,869.44 | $4,315.14 | +$1,445.70 (+50.4%) |
RIMI Enhanced | $2,928.00 | $3,696.60 | +$768.60 (+26.2%) |
21st Century | $3,286.68 | $4,695.78 | +$1,409.10 (+42.9%) |
Manulife | $3,813.72 | $4,194.36 | +$380.64 (+10.0%) |
GMS | $4,307.82 | $4,307.82 | +$0.00 (+0.0%) |
$250 Deductible
Note: at the $250 deductible tier, some insurers may not offer coverage for this profile.
Insurer | No Pre-Existing (Standard Plan) | With Pre-Existing (Enhanced Plan) | Extra Cost of Pre-Existing Coverage |
|---|---|---|---|
RIMI Standard | $2,320.44 | $3,048.78 | +$728.34 (+31.4%) |
Destination Canada | $2,583.96 | $3,883.26 | +$1,299.30 (+50.3%) |
RIMI Enhanced | $2,635.20 | $3,326.94 | +$691.74 (+26.3%) |
21st Century | $2,958.01 | $4,226.20 | +$1,268.19 (+42.9%) |
$500 Deductible
Insurer | No Pre-Existing (Standard Plan) | With Pre-Existing (Enhanced Plan) | Extra Cost of Pre-Existing Coverage |
|---|---|---|---|
RIMI Standard | $2,188.68 | $2,880.42 | +$691.74 (+31.6%) |
Destination Canada | $2,437.56 | $3,667.32 | +$1,229.76 (+50.5%) |
RIMI Enhanced | $2,488.80 | $3,143.94 | +$655.14 (+26.3%) |
21st Century | $2,793.68 | $3,991.41 | +$1,197.73 (+42.9%) |
Manulife | $3,085.38 | $3,392.82 | +$307.44 (+10.0%) |
GMS | $3,136.62 | $3,136.62 | +$0.00 (+0.0%) |
$1,000 Deductible (Best Savings)
Insurer | No Pre-Existing (Standard Plan) | With Pre-Existing (Enhanced Plan) | Extra Cost of Pre-Existing Coverage |
|---|---|---|---|
RIMI Standard | $2,060.58 | $2,712.06 | +$651.48 (+31.6%) |
Destination Canada | $2,294.82 | $3,451.38 | +$1,156.56 (+50.4%) |
RIMI Enhanced | $2,342.40 | $2,957.28 | +$614.88 (+26.2%) |
21st Century | $2,629.34 | $3,756.62 | +$1,127.28 (+42.9%) |
Manulife | $2,906.04 | $3,195.18 | +$289.14 (+9.9%) |
GMS | $2,949.96 | $2,949.96 | +$0.00 (+0.0%) |
Cheapest Insurer for a Parent with Multiple Pre-Existing Conditions (Age 65-74)
RIMI Standard at $2,712.06 (with $1,000 deductible). This is the cheapest option across all 5 Canadian insurers for a single parent age 65-74 with multiple pre-existing conditions.
How Each Insurer Handles Multiple Pre-Existing Conditions
Manulife Plan B: Manulife Plan B requires ALL conditions to be stable per the 180-day rule. Underwriting evaluates the full profile.
GMS: GMS evaluates multiple conditions strictly may decline complex profiles.
21st Century Enhanced: 21st Century Enhanced evaluates each condition against 180-day stability rule.
Destination Canada Option 1: Destination Canada Option 1 is often more forgiving for multi-condition profiles at age 60-69 (120-day stability scale).
RIMI Enhanced with Pre-Existing Rider: RIMI Enhanced evaluates the full condition profile per policy wording.
For full policy language on how each insurer defines and treats pre-existing conditions, see our authoritative reference: Pre-Existing Conditions Across All 5 Canadian Insurers 2026.
The Stability Period What It Means for Multiple Pre-Existing Conditions
Every Canadian insurer requires your parent's multiple pre-existing conditions to have been stable for a specified period before the policy effective date. "Stable" typically means:
No changes in medication (dose, frequency, or drug type)
No new symptoms or worsening of existing symptoms
No hospitalizations or emergency room visits related to the condition
No new diagnostic tests or specialist referrals for the condition
Standard stability period is 180 days. Destination Canada Option 1 offers a more generous sliding scale 120 days at age 60-69, and 90 days at under 60. This can be the difference between coverage and exclusion if your parent's medication was recently adjusted.
💳 Monthly Payment Plans
Both RIMI and Destination Canada offer monthly payment plans helpful if paying $3,000-$6,000 upfront is difficult for your family.
RIMI Monthly Plan
RIMI charges a one-time $120 policy issue fee plus 10 monthly installments.
Formula: Monthly = Annual ÷ 12. Initial payment = (Monthly × 2) + $120. Next 10 payments = Monthly each. Total = Annual + $120.
Example: RIMI Standard at $2,712.06 (parent with multiple pre-existing conditions, $1,000 deductible):
Monthly premium: $226.00
Initial payment: $572.01
Next 10 payments: $226.00 each
Total paid over year: $2,832.06
Destination Canada Monthly Plan
Destination Canada spreads a $10 fee across every monthly installment.
Formula: Monthly installment = (Annual ÷ 12) + $10. Initial payment = Installment × 2. Total = Annual + $120.
Example: Destination Canada at $3,451.38 (parent with multiple pre-existing conditions, $1,000 deductible):
Monthly installment: $297.62
Initial payment: $595.23
Next 10 payments: $297.62 each
Total paid: $3,571.38
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Important Pricing Disclaimer
Prices shown are verified quotes from the DaddySafe live quote engine as of August 2026 for the profile described. The final price depends on your parent's exact date of birth (integer age at policy start) and the time of purchase (rate schedules update annually, typically July 1).
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, use the DaddySafe comparison tool at daddysafe.ca/supervisa.
Frequently Asked Questions
How much does Super Visa insurance cost for a parent with multiple pre-existing conditions (age 65-74) in 2026?
For a single parent age 65-74 with multiple pre-existing conditions, $100,000 coverage, 365-day Super Visa in Alberta: with pre-existing coverage plan and $0 deductible, prices range from approximately $3,389.16 (cheapest) to $4,695.78 (highest). $1,000 deductible saves about 20%.
Which insurer is cheapest for a parent with multiple pre-existing conditions?
RIMI Standard at $2,712.06 for a single parent age 65-74 with multiple pre-existing conditions, $100K coverage, $1,000 deductible.
Can my parent get Super Visa insurance with multiple pre-existing conditions?
Yes, all 5 major Canadian insurers offer pre-existing coverage plans that include multiple pre-existing conditions if the condition is stable (typically 180 days of no medication changes, no new symptoms, no hospitalizations). Choose the enhanced/pre-existing plan tier of your chosen insurer.
What is the stability period requirement for multiple pre-existing conditions?
Most Canadian insurers require multiple pre-existing conditions to have been stable for 180 days before the policy effective date. Destination Canada Option 1 is more generous — 120 days at age 60-69 and 90 days at under 60. Stability means unchanged medications, no new symptoms, no hospitalizations.
What happens if I buy the standard plan (not pre-existing) and my parent has a claim related to multiple pre-existing conditions?
The claim will be denied. The standard exclusion plan explicitly excludes ANY claim related to pre-existing conditions even if the claim seems minor or unrelated to the specific condition. You MUST buy the pre-existing/enhanced plan tier to cover claims related to multiple pre-existing conditions.
How much extra does pre-existing coverage cost?
For a parent age 65-74 with multiple pre-existing conditions, 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.
Does RIMI cover multiple pre-existing conditions pre-existing?
Yes. RIMI Enhanced plan with Pre-Existing Rider covers stable multiple pre-existing conditions per policy wording. Stability period requirements apply.
Does Destination Canada cover multiple pre-existing conditions pre-existing?
Yes. Destination Canada Option 1 covers stable multiple pre-existing conditions. DTC Option 1 has a unique sliding stability scale 90 days under age 60, 120 days at 60-69, 180 days at 70-79.
Does Manulife cover multiple pre-existing conditions pre-existing?
Yes. Manulife Plan B covers stable multiple pre-existing conditions with a 180-day stability requirement.
Does GMS cover multiple pre-existing conditions pre-existing?
Yes. GMS offers pre-existing rider for stable multiple pre-existing conditions. Note: GMS has a strict age 80 cutoff not available for parents over 80.
How is RIMI monthly payment calculated for a parent with multiple pre-existing conditions?
For a single parent age 65-74 with multiple pre-existing conditions, $100K coverage, $1,000 deductible: RIMI Standard monthly is $572.01 initial payment, then 10 payments of $226.00 each. Total paid: $2,832.06.
What deductibles are available?
Four options: $0, $250, $500, $1,000. Higher deductible = lower premium (about 20% savings from $0 to $1,000). Some insurers may not offer $250 deductible.
What if my parent's multiple pre-existing conditions medication was recently changed?
If the medication changed within the past 180 days, most insurers will consider the condition unstable and either exclude multiple pre-existing conditions-related claims or decline the pre-existing plan. Destination Canada Option 1 is more flexible 120 days at age 60-69 is enough. Check with a specific insurer's stability rules before purchasing.
What documents do I need to prove pre-existing condition stability?
Insurers typically ask for a signed medical questionnaire during application. In case of a claim, they may request medical records showing the condition was stable for the required period. Keep your parent's prescription records and doctor visit summaries.
Where can I get an exact quote for my parent with multiple pre-existing conditions?
Visit daddysafe.ca/supervisa and enter your parent's exact date of birth, coverage, deductible, start date, and province. Select 'yes' for pre-existing medical condition. All 5 insurers' quotes appear side by side in 60 seconds.