How much is super visa insurance in 2026?

Super visa insurance cost between $1,577 and $2,373 a year for a 55-year-old in October 2026, and between $4,000 and $9,910 for a 75-year-old. Those figures are for $100,000 of coverage, a $0 deductible and stable pre-existing conditions covered, across the 8 insurers we compare. Excluding pre-existing conditions cut the price to as little as $1,026 at 55.

Use the calculator above for a live figure for your parent’s exact age and arrival date. The tables below show how the price moves with age, pre-existing cover, deductible and the number of applicants. All rates are from the BestQuote and PolicyAdvisor tables and will change at renewal.

What does super visa insurance cost by age with pre-existing conditions covered?

A 55-year-old paid $1,577 to $2,373, a 60-year-old $1,621 to $2,741, a 65-year-old $2,051 to $4,201, a 70-year-old $3,380 to $4,683 and a 75-year-old $4,000 to $9,910. The spread between the lowest and highest insurer widens with age, so comparison matters more for older parents.

Annual premium, $100,000 coverage, $0 deductible, stable pre-existing conditions covered, rates seen Oct 2026 — verify at quote time.

The 80-year-old figure for 21st Century is twelve times the PolicyAdvisor monthly rate and excludes the set-up fee. Dashes mean the published tables did not list that age; the calculator will. Only 6 per cent of super visa applicants are over 75, so the 80 band is thinly published.

Secure Travel was the lowest of the 8 insurers we compared at every age from 55 to 75 on this date and profile. That is a statement about October 2026 rates, not a guarantee. GMS repatriation is capped at $5,000, so its price should be read with that limit in mind.

What does it cost without pre-existing condition coverage?

Plans that exclude pre-existing conditions cost $1,026 to $1,387 at age 55, $1,413 to $1,807 at 65 and $2,712 to $3,347 at 75. That is 30 to 45 per cent less than the covered price. The exclusion is total: any condition that existed before the effective date is not covered, whether or not it was stable.

Annual premium, $100,000 coverage, $0 deductible, pre-existing conditions excluded, rates seen Oct 2026 — verify at quote time.

MSH is a claims administrator, not an insurer. A certificate from an administrator must still name the underwriter for IRCC to accept it, so check the underwriter line before relying on an MSH-branded plan.

The saving is real but the risk is concentrated. The $96,311 Hamilton bill arose on a plan that asked no medical questions upfront. The insurer found congestive heart failure in the records at claim time and denied the claim, then reversed after press coverage. Choose the exclusion only for a parent with no diagnoses and no regular medication.

How much does a deductible save?

A $500 deductible saves roughly 10 to 15 per cent, $1,000 saves 18 to 22 per cent, $2,500 saves 28 to 32 per cent and $5,000 saves 33 to 38 per cent. Manulife prices $500 at about 15 per cent off and $5,000 at about 35 per cent. 21st Century discounts up to 40 per cent and Travelance up to 45 per cent at their highest deductibles.

Approximate premium saving against a $0 deductible, from the BestQuote deductible table and insurer figures, Oct 2026 — verify at quote time.

The arithmetic favours a deductible only if the parent is unlikely to claim. A $5,000 deductible on a $5,427 premium saves about $1,900 but costs $5,000 on the first serious claim. Most plans apply the deductible once per policy year, not per claim; check the wording. The deductibles page works through the break-even.

What does it cost per month?

A 58-year-old paid about $111 a month plus a set-up fee against $1,329 a year. A 68-year-old paid about $135 a month against $1,621 a year. A couple aged 60 and 61 paid about $221 a month against $2,657 a year. Monthly plans add a $10 to $120 fee and require a two-month deposit.

Monthly premium, $100,000 coverage, $0 deductible, pre-existing conditions excluded, rates seen Oct 2026 — verify at quote time.

Initial payment is two months’ premium plus the fee. Manulife, GMS and Allianz do not offer monthly billing. TuGo’s monthly option was unverified at October 2026. See monthly plans for how a missed payment affects the IRCC requirement.

What does it cost for two parents?

Two full premiums. IRCC requires $100,000 per applicant, so a couple needs two policies or one policy with two insureds, each at $100,000. A couple aged 60 and 61 on a no-pre-existing plan paid about $2,657 a year or $221 a month in October 2026.

Couple figures are two single premiums added together at Oct 2026 Secure Travel rates, $100,000 each, $0 deductible — verify at quote time. The price difference between parents of different ages can be large enough that it is worth quoting them on separate plans. The couples page covers when one policy is better than two.

What drives the price?

Age band first, pre-existing cover second, deductible third, coverage amount fourth. Age is the only factor you cannot change, and it is the biggest. Everything else is a trade-off between premium today and exposure at claim time.

Underwriters price the same risk differently. At age 65 with pre-existing cover, the 8 insurers ranged from $2,051 to $4,201, a gap of $2,150 for identical IRCC compliance. That is why the comparison exists. Get a live quote for the parent’s exact age, pick the plan whose stability period and claims terms fit the parent, and then buy. The full comparison has the non-price terms side by side.