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- Super Visa insurance is a mandatory requirement by IRCC and must provide at least $100,000 in emergency medical coverage for one year from either a Canadian insurer or a company recognized by the Office of the Superintendent of Financial Institutions (OSFI)
- The cost of Super Visa insurance depends on several factors, including the applicant’s age, stability of pre-existing conditions, length of stay, deductible amount, and optional add-ons such as dental or vision coverage
- In 2025, some of the most affordable Super Visa insurance providers include 21st Century, TuGo, Manulife, Destination Canada, GMS, and RIMI (Secure Travel), each offering unique advantages for seniors and long-term visitors
- Applicants can reduce their insurance premiums by choosing higher deductibles, selecting only the mandatory $100,000 coverage, avoiding optional add-ons, and comparing multiple quotes to make the best choice
- What is Super Visa insurance in Canada?
- What factors can impact the cost of your Super Visa insurance in Canada?
- Which are the cheapest Super Visa insurance options in Canada?
- What does Super Visa insurance cover?
- Does the cheapest Super Visa insurance cover pre-existing medical conditions?
- Does a higher deductible lower the cost of Super Visa insurance in Canada?
- How can I lower the cost of my Super Visa insurance?
- How to get the best Super Visa insurance quotes in Canada?
- Frequently asked questions
The Canadian Immigration, Refugees and Citizenship Canada (IRCC) launched the Super Visa program in 2011 to help Canadian families bring their parents and grandparents for extended visits, up to five years at a time.
In 2023, IRCC issued over 73,000 Super Visas, nearly double the number approved in the previous year, according to Statistics Canada. As demand continues to rise, families are actively searching for the cheapest Super Visa insurance in Canada to meet visa requirements without overspending.
In this blog, we break down the most affordable Super Visa insurance providers for 2025, explain who they’re best suited for, and share smart ways to reduce costs while ensuring your loved ones stay fully protected during their visit.
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What is Super Visa insurance in Canada?
Super Visa insurance is a mandatory medical insurance policy required for parents and grandparents who want to visit their family in Canada under the Super Visa program. This insurance protects visitors from high out-of-pocket expenses related to emergency healthcare during their stay and ensures that they receive necessary medical attention without becoming a financial burden on their Canadian host.
The IRCC enforces strict rules for Super Visa insurance. To be eligible for a Super Visa, each applicant must:
- Provide proof of private medical insurance from a Canadian insurance company
- Show that the insurance offers a minimum of $100,000 in emergency medical coverage
- Ensure the policy is valid for at least one year from the date of entry
What factors can impact the cost of your Super Visa insurance in Canada?
Several key factors affect how much you’ll pay for Super Visa insurance in Canada. While all plans must meet IRCC’s minimum coverage of $100,000 for one year, your parents’ age, health, and coverage options can significantly change the premium. Here are the main factors that influence Super Visa insurance costs:
- Applicant’s age: Insurance companies charge higher premiums as the applicant gets older, with sharp increases after age 60 or 70
- Pre-existing medical conditions: If you include coverage for stable conditions like diabetes or hypertension, insurers will raise the cost of the plan
- Stability period: Plans that accept shorter stability periods typically come with higher premiums due to greater risk
- Coverage amount: Choosing higher coverage amounts, such as $200,000 or $300,000, increases your premium compared to the $100,000 minimum
- Deductible chosen: Selecting a higher deductible lowers your premium, while opting for a $0 deductible raises it
- Coverage duration: Extending coverage beyond 365 days or buying multi-year policies pushes up the total cost
- Payment method: Paying monthly may help with cash flow, but it ends up costing more than paying the full amount upfront
- Add-on benefits: Plans that include extra benefits like dental care or prescription drugs coverage increase the base premium
Which are the cheapest Super Visa insurance options in Canada?
Finding the cheapest Super Visa insurance in Canada depends on the visitor’s age, health condition, duration of stay, and budget. In 2025, the most affordable Super Visa insurance providers include RIMI (Secure Travel), 21st Century, GMS, Destination Canada, Tugo, and Manulife.
- Cheapest for older travellers: RIMI (Secure Travel)
- Cheapest for the lowest base premiums: 21st Century
- Cheapest for low deductibles: GMS
- Cheapest comprehensive benefits: Destination Canada
- Cheapest for unstable pre-existing conditions: TuGo
- Cheapest for value-added services: Manulife
1. Cheapest Super Visa insurance for older travellers: RIMI (Secure Travel)
For older travellers, especially those aged 60 and above, RIMI (also known as Secure Travel) stands out as one of the most affordable and straightforward Super Visa insurance options in Canada. With consistently low monthly premiums and a flexible structure, RIMI offers a “no-nonsense plan” that delivers both value and ease.
RIMI is especially well-suited for seniors aged 60 to 75, even if they have mild pre-existing medical conditions. Applicants can choose to include or exclude coverage for pre-existing conditions, depending on their needs and budget. With the option to pay in monthly installments, families don’t need to worry about paying the full annual premium upfront.
Key features of RIMI
- It offers the lowest monthly premium options for Super Visa applicants aged 60–75
- Monthly payment plan available with this Super Visa insurance plan, making it ideal for budget-conscious families
- It covers pre-existing conditions (optional) with just 90 days of stability for those under 70
- RIMI offers flexible deductible options to reduce premiums
- This company meets all IRCC requirements for Super Visa medical insurance
Why PolicyAdvisor recommends RIMI
- Helps older travellers and their families find the most affordable Super Visa insurance quickly
- Ideal for seniors with or without stable pre-existing conditions
- Offers flexible plans that cater to a wide range of medical and financial needs
- Easy claims process and responsive customer support
- One of the most cost-effective travel insurance solutions for visiting parents or grandparents
Monthly cost of Super Visa insurance for RIMI (Secure Travel)
| Age | Monthly premium without pre-existing conditions | Monthly premium with stable pre-existing conditions |
| 55 years | $111.63/month | $131.40/month |
| 60 years | $110.72/month | $135.05/month |
| 65 years | $135.05/month | $170.94/month |
| 70 years | $214.13/month | $281.66/month |
| 75 years | $243.33/month | $333.37/month |
*Depicting the monthly cost of premium for an individual seeking $100k in coverage for Super Visa insurance
2. Cheapest Super Visa insurance for the lowest base premiums: 21st Century
21st Century offers some of the lowest base premiums in the Super Visa insurance market, especially for healthy parents and grandparents. Their plans provide excellent value for standard $100,000 or $150,000 medical coverage without unnecessary add-ons. They have maintained a solid reputation for competitive pricing and streamlined application processes.
Key features of 21st Century
- Affordable pricing for healthy visitors
- Deductible options ranging from $0 to $10,000
- Simple application with minimal paperwork
- Offers up to two years of Super Visa insurance coverage for longer stays
- Quick and responsive claims processing
Why PolicyAdvisor recommends 21st Century
- The company delivers consistently low premiums without compromising on essential coverage
- Sponsors can reduce costs further by selecting custom deductibles based on their risk tolerance
- The plan is ideal for families who want standard IRCC-compliant coverage at the best possible rate
Monthly cost of Super Visa insurance for 21st Century
| Age | Monthly premium without pre-existing conditions | Monthly premium with stable pre-existing conditions |
| 55 years | $113.76/month | $191.63/month |
| 60 years | $127.14/month | $228.43/month |
| 65 years | $163.03/month | $271.62/month |
| 70 years | $224.17/month | $390.25/month |
| 75 years | $278.01/month | $485.15/month |
| 80 years | $427.35/month | $651.53/month |
*Depicting the monthly cost of premium for an individual seeking $100k in coverage for Super Visa insurance
3. Cheapest Super Visa insurance for low deductibles: GMS
If you’re looking for Super Visa insurance with a low deductible, GMS consistently ranks as one of the most affordable and reliable options in Canada. For families who want to minimize out-of-pocket expenses during a medical emergency, GMS offers exceptional value without compromising on coverage.
Unlike many other insurers that increase premiums significantly for lower deductibles, GMS maintains competitive rates, even at deductibles of $0 or $100. This makes it a smart choice for Super Visa applicants who prefer cost predictability and broader benefits.
Key features of GMS
- Offers low-deductible options (as low as $0) at highly competitive rates
- Annual coverage available up to $150,000 for Super Visa holders
- Offers comprehensive benefits such as vision, dental, and prescription drugs coverage
- Simple online application and responsive customer service
- Trusted brand with a strong presence in Western Canada
Why PolicyAdvisor recommends GMS
- One of the most budget-friendly choices for low-deductible Super Visa insurance
- Reduces financial risk for families by minimizing upfront medical costs
- Ideal for those who want comprehensive coverage without high out-of-pocket payments
- GMS strikes a strong balance between affordability and valuable health benefits
- Excellent fit for seniors and families prioritizing predictable, worry-free coverage
4. Cheapest Super Visa insurance for comprehensive benefits: Destination Canada
Destination Canada is often the best value for price in terms of additional perks such as Accidental Death & Dismemberment (AD&D) coverage, dental plans, etc. They offer notable premium discounts for those willing to choose a higher deductible, making them one of the most cost-effective options for elderly visitors with or without stable conditions.
Key features of Destination Canada
- Competitive premiums for seniors aged between 50 to 79
- Deductibles up to $10,000 to reduce base costs
- Flexible plan durations for multiple-entry travel
- Monthly payment options are available in this plan
- Optional coverage for pre-existing conditions
- Strong bilingual customer support
Why PolicyAdvisor recommends Destination Canada
- Destination Canada provides age-friendly pricing that many competitors don’t match
- Families can take advantage of deductible-based discounts to save hundreds in annual premiums
- The insurer is reliable for older applicants, offering clear, transparent policies with minimal exclusions
Monthly cost of Super Visa insurance for Destination Canada
| Age | Monthly premium without pre-existing conditions | Monthly premium with stable pre-existing conditions |
| 55 years | $131.06/month | $146.27/month |
| 60 years | $131.06/month | $146.27/month |
| 65 years | $183.38/month | $228.70/month |
| 70 years | $248.47/month | $358.27/month |
| 75 years | $305.95/month | $441.92/month |
*Depicting the monthly cost of premium for an individual seeking $100k in coverage for Super Visa insurance
5. Cheapest Super Visa insurance for unstable pre-existing conditions: TuGo
TuGo Insurance stands out as one of the most affordable options for Super Visa applicants with controlled pre-existing conditions, such as diabetes, blood pressure, or heart disease. TuGo offers a stability period of 180 days to travellers who are below 70 years of age. They also offer a special rider plan that provides coverage for unstable pre-existing conditions, making their Super Visa insurance policy a reliable option for people with medical conditions.
Key features of TuGo
- Additional rider option providing added coverage to individuals with unstable pre-existing conditions
- No medical questionnaire needed in many cases
- Competitive pricing even for higher-risk age brackets
- Strong support for travel and medical emergencies
- Direct billing network and multilingual claims assistance
Why PolicyAdvisor recommends TuGo
- Tugo is one of the few insurers that includes pre-existing coverage at a reasonable cost
- Their straightforward stability clause removes confusion for families dealing with chronic illnesses
- The company has a reliable claims track record, especially important when medical history is involved
6. Cheapest Super Visa insurance for value-added services: Manulife
Manulife may not have the lowest base premium, but their plans are packed with value-added services, making them the most affordable for those seeking comprehensive protection. The brand’s global footprint and responsive emergency assistance make it a reliable choice for families who want to ensure coverage quality without compromise.
Key features of Manulife
- Broad emergency medical, dental, and evacuation coverage
- Global 24/7 emergency support with multilingual services
- Highly rated claims settlement and fraud protection
- Digital tools for submitting claims and tracking status
Why PolicyAdvisor recommends Manulife
- Manulife’s brand reputation and service quality instill trust among sponsors and applicants
- The company supports digital claims and renewals, making it easy to manage from overseas
What does Super Visa insurance cover?
Super Visa insurance provides essential emergency medical coverage for parents and grandparents visiting Canada, helping them access healthcare without facing overwhelming expenses. To qualify under IRCC’s Super Visa program, applicants must purchase insurance that meets specific coverage criteria.
Every Super Visa insurance plan must offer at least $100,000 in coverage and remain valid for a minimum of one year. These requirements ensure that visitors remain protected throughout their stay and that Canadian sponsors meet immigration obligations.
All approved Super Visa insurance policies must include the following coverage features:
- Emergency medical treatment: Covers costs if the insured falls sick or gets injured unexpectedly during their stay in Canada
- Hospitalization expenses: Includes hospital room charges, ICU care, surgeries, and other necessary medical services
- Doctor visits and diagnostic tests: Pays for consultations, blood tests, X-rays, and other diagnostics prescribed during emergency care
- Prescription medications: Reimburses the cost of drugs prescribed to treat illness or injury during the visit
- Emergency dental services: Covers limited dental treatments resulting from an accident or sudden pain
- Ambulance transportation: Pays for emergency ground or air ambulance services when medically necessary
- Repatriation of remains: Covers the cost of transporting the insured’s remains to their home country in the unfortunate event of death
- Medical evacuation: Provides coverage for flying the insured back home if they require treatment that is unavailable in Canada
Does the cheapest Super Visa insurance cover pre-existing medical conditions?
The cheapest Super Visa insurance plans usually offer basic emergency medical coverage and often exclude pre-existing conditions to keep premiums low. However, some affordable policies do cover pre-existing medical conditions, but only if the condition is stable for a certain period (typically 90, 180, or 365 days before the policy start date).
If your parent or grandparent has conditions like diabetes, hypertension, or heart disease, and those conditions are stable, insurers like Tugo, Manulife, and Destination Canada offer relatively low-cost options that include this coverage.
What are the cheapest Super Visa insurance options for seniors over 70?
Seniors over 70 often face higher Super Visa insurance premiums, but some insurers offer competitive rates tailored to their age and health profile. Choosing a higher deductible or basic coverage plan can significantly reduce costs. Below are the most affordable providers for seniors in 2025:
- Destination Canada offers some of the lowest premiums for seniors aged 70–79 and includes options for stable pre-existing conditions
- 21st Century keeps costs low for healthy seniors aged 70–79 by offering simple emergency coverage without extras
- Manulife offers one of the most competitively priced Super Visa insurance options for seniors aged 80–86, even for those with pre-existing health conditions
- Tugo gives competitive pricing for seniors with stable chronic conditions like diabetes or high blood pressure
Does a higher deductible lower the cost of Super Visa insurance in Canada?
Yes, choosing a higher deductible can significantly lower the cost of Super Visa insurance in Canada. A deductible is the amount the insured person agrees to pay out of pocket before the insurance coverage begins. When applicants select a higher deductible, such as $1,000, $2,500, or even $5,000, insurance companies reduce the overall premium because the financial risk to the insurer decreases.
This option works well for healthy parents or grandparents who are unlikely to make a claim or who want to save on upfront insurance costs. However, applicants must weigh the savings against their ability to afford the deductible in case of a medical emergency. Always read the policy carefully to understand how the deductible applies in real-life situations.
Can I pay monthly for Super Visa insurance in Canada?
Yes, you can pay monthly for Super Visa insurance in Canada, but only a few providers offer this option. Companies like RIMI, Destination Canada and 21st Century allow monthly Super Visa payment plans, which help reduce the upfront financial burden of buying a full year’s coverage. This is especially useful for families sponsoring parents or grandparents on a tight budget.
However, monthly payment plans often come with slightly higher total costs due to administrative fees. Always review the full terms before choosing the monthly payment option for your Super Visa insurance.
Is there a no-medical Super Visa insurance option for elderly applicants?
Yes, some Canadian insurers, such as Destination Canada and Allianz, offer no-medical-exam Super Visa insurance options for seniors. These plans typically don’t require a physical exam but do ask for a health questionnaire or stability declaration.
However, the eligibility requirements vary across providers, especially for older applicants or those with pre-existing conditions. If you want to avoid denied claims or complications, it’s best to work with a licensed insurance advisor (such as our experts at PolicyAdvisor) who can help match you with the most suitable and compliant policy options. This approach ensures your family gets the right coverage without unnecessary risks, especially when applying for visitor insurance for elderly parents.
How can I lower the cost of my Super Visa insurance?
Lowering the cost of your Super Visa insurance in Canada is possible with a few smart strategies. Since premiums vary based on age, health, and coverage choices, selecting the right plan can make a big difference without sacrificing essential protection.
- Choose a higher deductible: Opting for a $1,000, $2,500, or even $5,000 deductible can significantly reduce your monthly or annual premium
- Stick to the basic $100,000 coverage: Higher coverage amounts like $200,000 or $300,000 offer more protection but also raise your costs
- Pay the annual premium upfront: Paying in full typically works out cheaper than choosing monthly instalments, which often include extra fees
- Exclude pre-existing condition coverage if healthy: If the applicant has no chronic conditions, you can save by choosing a plan that excludes this
- Compare quotes from multiple insurers: Always request quotes from at least 3–4 providers to find the most competitive option for your situation
- Buy early: Purchasing coverage well in advance gives you access to more choices and better pricing, especially during peak travel seasons
How to get the best Super Visa insurance quotes in Canada?
To get the best Super Visa insurance quotes in Canada, use a trusted online broker like PolicyAdvisor, which works with 30+ top Canadian insurance companies. Our licensed advisors compare multiple plans based on your age, health status, travel duration, and budget to recommend the most suitable and affordable option that meets IRCC’s Super Visa requirements.
You can view side-by-side quotes, customize coverage, and choose from flexible payment options. Beyond the purchase, PolicyAdvisor also offers dedicated after-sales support. We assist with policy changes, cancellations, refunds for visa denials, and claims guidance. Schedule a call to ensure a smooth and worry-free Super Visa insurance purchase for your parents or grandparents.
Frequently asked questions
Do Super Visa insurance premiums increase every year?
Yes, Super Visa insurance premiums typically increase with each passing year, especially for seniors. Insurers adjust rates based on age brackets, health risk data, and inflation in medical costs. If your parents or grandparents are reapplying or renewing their visit after a year, expect higher quotes even if nothing else changes.
If you are looking to save money, compare new quotes each year, and consider adjusting deductibles or coverage amounts. Locking in a multi-year plan early may help avoid steep annual hikes.
Can I switch my Super Visa insurance provider after arrival in Canada?
Yes, you can switch Super Visa insurance providers after arriving in Canada, but only if your current policy is cancelled and refunded properly. Some insurers allow partial refunds for unused days if you haven’t made any claims.
Before switching, make sure the new plan meets IRCC’s requirements, especially the minimum one-year coverage. Contact both providers in advance to avoid any lapse in coverage, which could affect your Super Visa status or re-entry into Canada.
Can I pause or suspend Super Visa insurance if my parents leave Canada early?
No, most Super Visa insurance plans cannot be paused, but you can request a partial refund if your parents leave Canada before the policy’s end date. Refund eligibility usually depends on no claims being filed and your parents providing proof of departure, such as flight tickets or exit stamps. You must submit a cancellation request before the coverage ends.
Can I get a refund if my Super Visa application is denied after purchasing insurance?
Yes, most Canadian Super Visa insurance providers offer a full refund if your visa application gets denied, as long as you provide proof of refusal (such as an IRCC rejection letter). You must also cancel the policy before the start date. Refund policies vary slightly between insurers, so it’s crucial to review the cancellation terms before buying.
Super Visa insurance remains a mandatory requirement for the Canadian Super Visa program, with applicants needing a minimum of $100,000 in emergency medical coverage for one year. This coverage includes emergency medical treatment, hospitalization, prescriptions, dental care, and repatriation. The cost of Super Visa insurance may vary based on age, health conditions, coverage options, deductibles, and add-ons. In 2025, the cheapest Super Visa insurance providers include 21st Century, TuGo, Manulife, Destination Canada, GMS, and Secure Travel. Seniors can save by choosing higher deductibles, excluding pre-existing condition coverage if stable, and paying annually. Secure Travel, 21st Century and Destination Canada offer monthly payment options, while refunds are available on all plans for visa refusals or early returns.
Immigration, Refugees and Citizenship Canada. Report on Super Visa Income Requirement, Appeal Process, Special Circumstances – Temporary Resident Visas. Government of Canada.
