Super Visa Insurance in 2026 — what a year of $100,000 cover actually costs

For the standard $100,000 / one-year policy: roughly $1,600-2,600 for a parent aged 45-60, $2,400-3,200 at 65, and $3,700-4,600 at 70. Ranges are the spread across six visitor-to-Canada carriers at a $0 deductible with stable chronic conditions covered. Choosing a deductible or dropping chronic coverage brings the number down.

The application must show emergency medical coverage of at least $100,000 that stays valid for one year from the date of entry. Confirm the current rules on the IRCC website before you buy — requirements around which insurers qualify have changed in recent years.

Only if you buy a plan that covers stable chronic conditions, and only when the condition has been stable for the period the policy names (commonly 90-180 days before the effective date). Plans without that clause are 10-25% cheaper but will decline a claim tied to the condition — for a parent on blood-pressure or diabetes medication, this is usually the wrong place to save money.

Most visitor-to-Canada policies refund the full premium if the visa is refused and no claim has been made, usually against a copy of the refusal letter. Partial refunds for early departure are also common. Refund terms differ by carrier, so check the policy wording before paying.

The Super Visa application itself needs a full year of coverage. If the visit is shorter, a visitor plan for the actual stay is much cheaper — roughly half the annual premium for six months — but it will not satisfy the visa requirement on its own.

Visitor to Canada plans cover medical care inside Canada for people with no provincial health coverage, with limits of $10,000-$300,000. Regular travel insurance covers Canadian residents travelling abroad, with limits in the millions, and assumes provincial health coverage sits behind it. They are different products and not interchangeable.