How much is Super Visa
insurance per month?

Super Visa insurance in Canada typically costs $85 to $420 per month for a $100,000 CAD policy, depending on the applicant's age, pre-existing medical conditions, and deductible. Older applicants pay more, and pre-existing conditions can add 15-40% to the base rate.

This guide breaks down the actual 2026 monthly rates Calgary families pay through Wings Travels — compared head-to-head across Manulife, GMS, Travelance, TuGo, and Destination. If you want the numbers without reading the guide, scroll to the price table below.

Who pays what: the short version

Super Visa insurance is legally required by IRCC (Immigration, Refugees and Citizenship Canada) for every visiting parent or grandparent. Minimum $100,000 CAD coverage, 365-day term, from a Canadian or Minister-approved foreign insurer. That's the floor. Your price depends on three things:

1. Applicant age. A 42-year-old parent pays ~$85/month; an 80-year-old pays ~$345/month for the same $100K coverage. Age is the biggest single driver.
2. Pre-existing conditions. Stable diabetes, blood pressure, or cholesterol can still be covered — but some carriers add 20-35% for pre-existing conditions while others price them flat.
3. Deductible choice. A $0 deductible is the default. Moving to a $1,000 or $10,000 deductible can drop monthly premiums by 10-25%.

2026 Super Visa insurance monthly rates

Representative rates for a standard $100,000 CAD policy, 365-day term, $0 deductible, no pre-existing conditions, paying monthly. From the four most-booked carriers for Calgary Wings Travels clients this season:

Applicant age	Manulife	GMS	Travelance	TuGo
40 – 54	$92	$85	$88	$95
55 – 59	$118	$110	$112	$122
60 – 64	$149	$140	$144	$155
65 – 69	$178	$170	$172	$185
70 – 74	$220	$215	$218	$225
75 – 79	$275	$270	$272	$280
80 – 84	$350	$345	$348	$358

Rates illustrative, typical mid-2026. Exact quotes depend on medical questionnaire answers. For $150K or $200K coverage, add roughly 25% and 50% respectively. For higher deductibles (e.g. $1,000), subtract roughly 10-15%.

We quote Manulife, GMS, Travelance, TuGo, and Destination in the same conversation. For a healthy 65-year-old with $100K coverage, the gap between the cheapest and most expensive carrier is often $400+ over the year. Finding the right carrier is the single biggest thing your broker does for you.

6 factors that move your exact price

The table above assumes a perfectly healthy applicant. In practice, here's what moves your quote up or down:

• Pre-existing conditions — stable diabetes, hypertension, or cholesterol typically add 0-25% depending on the carrier. Unstable or recent-change conditions can add 40%+ or require a higher deductible.
• Length of stay — 365 days is the IRCC minimum. Some clients buy 730-day policies upfront for two planned visits; monthly rates drop slightly with longer terms.
• Deductible — moving from $0 to $1,000 cuts premium by ~12%; $10,000 can cut premium by ~25% but you assume real out-of-pocket risk.
• Coverage amount — $100K is the floor. $150K costs roughly 25% more; $300K-$1M premium plans cost 50-100% more but make sense for applicants with complex medical histories.
• Stability period — each carrier has its own definition of "stable". Manulife's 180-day period is one of the most forgiving. Getting the right carrier match here can save $600+ per year.
• Monthly vs annual pay — monthly plans add 5-10% total cost vs paying the year upfront (carriers charge for the administrative overhead of recurring payments).

Monthly vs annual — which should you choose?

Both are IRCC-compliant. The trade-off is cash flow vs total cost:

• Lump-sum annual — about 5-10% cheaper overall. Includes automatic partial refund if the parent leaves Canada before the policy's 365 days are up (and no claim has been made).
• Monthly-pay — easier on cash flow, and you can cancel after the 365-day minimum without penalty. IRCC accepts monthly-pay policies provided the first month is paid and the policy is scheduled to cover the full year.

For families expecting a short-stay visit (3-6 months), monthly-pay is usually the smarter choice even though it's nominally more expensive. The refund-on-leaving-early savings often don't materialise fast enough.

How to cut the price (legally & safely)

1. Use an independent broker, not a single carrier. The difference between the cheapest and most expensive plan for the same applicant can be 30%+.
2. Get accurate about pre-existing conditions. Hiding them voids your policy; disclosing them correctly can route you to the carrier with the shortest stability requirement.
3. Consider a deductible. For applicants in good health, a $1,000 deductible is low-risk and meaningfully cheaper.
4. Bundle with flights. Wings Travels charges no broker fee when you book the parent's flight and insurance together.
5. Don't overbuy coverage. $100K is the IRCC floor, and claims paid out data suggests most Canadian Super Visa medical events fall under $30K. Higher limits are worth buying only if the applicant has a high-risk medical profile.

Ready to get specific numbers for your parent? Request a free Super Visa insurance quote from Wings Travels — we send 3-5 side-by-side carrier quotes within the hour during business hours.

Frequently asked questions