Super Visa Insurance Premium Estimator
Calculate your annual or monthly emergency medical coverage premiums based on applicant age and deductible tier choices.
$100K CAD Coverage
Mandatory emergency medical insurance issued by an authorized Canadian insurer.
Deductible Options
A deductible from $1,000 up to $5,000 can reduce your annual premium by 10% to 45%.
Higher deductibles reduce your annual premium
Estimated Coverage Premium
Coverage Level: $100,000 Emergency Medical Allocation
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2026 Estimated Annual Premium Reference Table
Typical ranges by age bracket and deductible level. Use the calculator above for a personalised estimate.
| Age Bracket | No Deductible ($0) | $1,000 Deductible | $5,000 Deductible |
|---|---|---|---|
| 55 – 64 | 1 100 $ – 1 800 $ | 900 $ – 1 500 $ | 700 $ – 1 100 $ |
| 65 – 69 | 1 900 $ – 2 800 $ | 1 600 $ – 2 300 $ | 1 200 $ – 1 800 $ |
| 70 – 74 | 2 600 $ – 3 800 $ | 2 100 $ – 3 100 $ | 1 600 $ – 2 500 $ |
| 75 – 79 | 3 500 $ – 5 500 $ | 2 900 $ – 4 500 $ | 2 200 $ – 3 500 $ |
| 80+ | 5 500 $ – 10 000 $+ | 4 500 $ – 8 200 $+ | 3 300 $ – 6 100 $+ |
* Estimates only. Plans with pre-existing condition coverage cost approximately 20–50% more. Actual premiums vary by insurer, province, and health history.
How to Buy Super Visa Insurance: 5 Steps
Follow these steps to get compliant coverage before your visa application.
- 1
Confirm IRCC Requirements
Visit canada.ca to verify the current minimum: $100,000 emergency medical coverage, valid for at least 1 year from entry, issued by a Canadian insurer.
- 2
Get Quotes from Multiple Providers
Compare at least 3 insurers. Use this calculator as a benchmark, then request formal quotes. Prices for the same coverage can vary 20–35% between providers.
- 3
Compare Plan Details — Not Just Price
Check deductible options, pre-existing condition coverage, monthly payment availability, refund policy on visa refusal, and claim support.
- 4
Purchase Before Applying for the Visa
You need proof of insurance when you submit your Super Visa application. Most policies allow you to buy in advance with a future start date.
- 5
Submit Proof with Your Application
Include the insurance certificate or policy confirmation letter with your Super Visa application package sent to IRCC.
Provider Comparison Checklist
Ask each insurer these questions before you commit.
Pre-existing condition coverage
Is it included or an add-on? What stability clause applies (90, 180, or 365 days)?
Monthly payment option
Is monthly billing available? Is there a surcharge or upfront deposit required?
Refund policy on visa refusal
Full refund? Is proof of refusal required? What is the processing time?
Deductible range
What deductible tiers are available? How much does each tier reduce the premium?
Top-up / extension availability
Can you extend coverage if the visit is longer than expected?
24/7 claims support in Canada
Is there a Canadian claims hotline? Is it staffed around the clock?
Common Mistakes to Avoid
These errors can lead to visa refusal or uncovered medical bills.
Buying non-Canadian insurance
IRCC requires the policy to be issued by a Canadian insurance company. Foreign plans — even reputable ones — do not qualify (unless approved by the Minister).
Policy too short
The policy must be valid for at least 1 year from the entry date. A 6-month or 9-month plan will result in a refusal.
Not disclosing pre-existing conditions
Failing to declare a condition is not savings — it voids the policy. Medical bills from an undisclosed condition will not be paid.
Buying the cheapest plan without reading it
The lowest premium sometimes means a very high deductible, no pre-existing coverage, or a restrictive refund policy. Read the policy wording.
Assuming the policy auto-renews
Most Super Visa policies do not auto-renew. Set a reminder 60 days before expiry if the parent or grandparent is staying longer.
Insurance Buying Timeline
Plan your purchase relative to the visa application date.
8 – 12 weeks before applying
Research & get quotes
Compare at least 3 providers. Use the premium table and this calculator to shortlist plans.
4 – 6 weeks before applying
Purchase your policy
Buy with a future start date aligned to the expected entry date. You will receive the insurance certificate immediately.
On application day
Submit proof of insurance
Attach the insurance certificate to your Super Visa application package sent to IRCC.
Processing (4 – 8 weeks typical)
Wait for IRCC decision
If refused, request the refund before the policy start date per your insurer's refund terms.
On entry to Canada
Policy becomes active
Confirm the policy start date matches the actual arrival date. Contact your insurer if there is a gap.
Frequently Asked Questions
Answers to the most common questions about Super Visa insurance.
- How much does Super Visa insurance cost in 2026?
- For the mandatory $100,000 minimum coverage, typical 2026 annual premiums (no deductible) are roughly: $1,100–$1,800 for ages 55–64, $1,900–$2,800 for ages 65–69, $2,600–$3,800 for ages 70–74, $3,500–$5,500 for ages 75–79, and $5,500–$10,000+ for 80+. Age and pre-existing conditions are the biggest factors.
- Is medical insurance mandatory for a Super Visa?
- Yes. Applicants must show proof of medical insurance from a Canadian insurance provider (or a foreign insurer approved by the Minister) with at least $100,000 in emergency coverage, valid for at least one year from the date of entry.
- Can I pay Super Visa insurance monthly?
- Yes. IRCC allows the insurance to be paid in instalments. Most insurers offer monthly payment plans, usually with a small surcharge and an upfront deposit of one to two months. You must provide proof the policy is in force at the time of application.
- Can I get a refund if the Super Visa is refused?
- Most Canadian insurers provide a full refund if the visa is refused before the policy starts (proof of refusal required), and partial refunds if the visitor leaves Canada early with no claims. Check the policy's refund terms before buying.
- How can I lower the Super Visa insurance premium?
- Choose a higher deductible ($1,000–$5,000 can reduce the premium 10–45% depending on the level), compare at least three providers, buy only the coverage period you need, and consider whether stable pre-existing condition coverage is necessary — it raises premiums roughly 20–50%.