Super Visa Insurance Rates 2026: Compare, Save, and Protect
Bringing your parents or grandparents to Canada is a milestone. At BestQuote, we make sure the mandatory insurance requirement is the easiest part of your application. In 2026, Super Visa insurance isn't just a "paperwork requirement" - it’s your family’s safety net. We compare 20+ IRCC-approved insurance plans to find you the lowest rates, the most flexible payment plans, and exclusive benefits you won’t find anywhere else.
1. Financial Flexibility: Monthly Payment Plan
Don't let a large upfront cost delay your family reunion. In 2026, IRCC continues to accept monthly installment plans for Super Visa applications.
- Pay Only for What You Need: Start your policy with a small deposit (usually 2 months' premium + a small fee).
- Budget-Friendly: Spread the remaining balance over the duration of the stay.
- Easy Cancellation: If the visa is denied, we help you secure a refund quickly.
- How to see these rates: On our quote engine, simply toggle the plan type to "Monthly Payments."
Note: While monthly plans help with cash flow, they are typically more expensive over the full year compared to upfront plans. Additionally, refunds for monthly plans are usually calculated by whole months, whereas annual plans often offer pro-rated daily refunds.
2. The BestQuote "MedEC" Advantage: Save Time and Money while in Canada, not just on the initial premium!
We offer our exclusive MedEC Visitors Health & Repatriation policy, which includes 'Pre-paid' Doctor Access 24/7 via Maple, Canada's top virtual care medical provider.
Why is this a super (visa) and (mastercard) game-changing cost-saver? Because once in Canada our super visa insurance policyholders:
- Avoid $200 Clinic Fees: Use a licensed Canadian doctor via phone app (including video) for minor issues (colds, rashes, prescriptions, renewals, etc.) at no cost.
- No 8-Hour Medical Clinic or ER wait times: Don't spend time sitting in a waiting room. Consult a doctor in (average) 10 minutes.
- 3 Free Visits Included: These are pre-paid consultations built into your MedEC policy - saving both money and time navigating the Canadian healthcare system.
3. 2026 Rate Glance: Canada's Top Super Visa Insurance Providers ($100,000 Coverage):
The following are starting rates for a 365-day policy with a $0 deductible. Choosing a deductible ($100, $250, $500, $1,000, and more) can lower these prices significantly.
Glance #1: No coverage for pre-existing medical conditions; $100,000 maximum:
| Age | $0 deductible |
| 45-50 | $905.20 / year |
| 51-60 | $905.20 / year |
| 61-64 | $1,168.00 / year |
| 65 | $1,401.60 / year |
| 66-69 | $1,481.90 / year |
| 70 | $1,711.85 / year |
| 71-74 | $2,069.55 / year |
| 75 | $2,529.45 / year |
| 76-79 | $2,576.90 / year |
| 80 | $3,084.25 / year |
| 81-85 | $3,938.35 / year |
| 86-89 | $5,756.05 / year |
Glance #2: Stable pre-existing medical conditions covered*; $100,000 maximum
| Age | $0 deductible |
| 45-60 | $1,200.85 / year |
| 61-64 | $1,620.60 / year |
| 65 | $1,697.25 / year |
| 66-70 | $1,949.10 / year |
| 71-75 | $2,847.00 / year |
| 76-79 | $3,602.55 / year |
| 80 | $3,252.15 / year |
| 81-84 | $4,124.50 / year |
| 85 | $4989.55 / year |
| 86-89 | $5,657.50 / year |
*Rates for 90+ are available depending on medical stability; please call for a custom quote.
4. The Secret to Lower Rates: Understanding Deductibles
A deductible is the amount you pay out-of-pocket before the insurance takes over. Selecting a higher deductible is the easiest way to lower the premium you pay.
The BestQuote Difference: Per Policy vs. Per Claim
Not all deductibles are created equal. This is the "hidden cost" most sites won't tell you:
- Per Claim Deductible: You pay your deductible every single time you go to the doctor. If your parent goes 3 times, you pay 3 times.
- Per Policy Deductible: You pay the deductible only once for the entire year. This is almost always the better value for seniors.
Deductible Savings Guide:
- $0 Deductible: Highest premium, but $0 out-of-pocket for you at the time of a claim.
- $1,000 Deductible: Saves you ~20% on your premium. Our most popular choice.
- $2,500 - $5,000 Deductible: Saves you up to 35%. Best for healthy travelers who only want protection against major emergencies.
5. Pre-Existing Conditions & Stability
If your parents take medication for high blood pressure, diabetes, or a heart condition, etc., they have a "pre-existing condition."
What you need to know if you are buying coverage that includes 'stable pre-existing medical conditions':
- Stability Periods: Most plans require the pre-exisitng condition to be "stable" (no new meds, symptoms, or Dr. consults) for 90 - 180 days (depends on policy).
- Expert Review: Don't guess. One wrong answer on an application can lead to a denied claim later. You may need to ask the family doctor!
- Free Advice: Call or e-mail us! We will review your parents' specific health history and find the company that provides the best coverage for their situation.
Why Choose BestQuote in 2026?
Over 14 years of helping families reunite in Canada. We aren't just an automated quote engine; we are a dedicated Canadian travel insurance agency. We’ve helped thousands of visitors and Canadian navigate the complexities of their Super Visa insurance choices.
- The "Human Error" Safety Net: Unlike big automated sites, we don't just "issue and forget." Our experts carefully review every application before the policy is finalized. If we spot a potential error - we reach out to you before the policy is issued to ensure your super visa insurance requirements remain perfect.
- Zero-Cost Flexibility: Life happens. If your parents’ travel dates change before your effective date, we update your effective dates at no additional cost. Plus, we send automated reminder emails as your policy nears its expiry, so you don't have to worry about an accidental gap in coverage that could jeopardize your personal finances.
- Fast-Response: Support Time is critical for visa applications. Our team is known for fast response times and instant policy generation. Once your application is reviewed and approved, your IRCC-ready documents land in your inbox quickly and easily.
Professional Service at No Extra Cost
By law, insurance rates are regulated—meaning you pay the same price whether you buy through us or directly from the insurance company. As your broker, we work for you at no additional fee, earning a commission from the insurance company instead.
Why should you work with BestQuote?
- Expert Advice: We help you efficiently navigate complex medical questions and the top insurance companies and their policy benefits.
- Full Support: We manage your policy dates, process refund requests, and advocate for you during claims.
- Exclusive Options: Access specialized policies like MedEC (which includes pre-paid Maple telehealth) that aren't available through standard channels.
Your Best Advice?
Fill in and submit the price comparison quote form to get your own free instant quote.
Then review prices and benefit details, and contact us with any questions at 1-888-888-0510 (toll-free) or 647-799-2032 (Toronto), 403-800-1582 (Calgary) or 604-259-2544 (Vancouver), or info@bestquotetravelinsurance.ca.
We'll be glad to help you save money and find the proper coverage you need.
View: Super Visa insurance FAQ