A two-month visitor plan costs about $266 for a 65-year-old and $480 for a 75-year-old for $100,000 of coverage without pre-existing conditions, or $337 and $658 with stable conditions covered. Those figures are PolicyAdvisor’s October 2026 monthly rates divided by 30 and multiplied by 60. A sibling of 45 pays about $203. Buy the arrival date to the departure date plus three days, set the effective date to the flight, and keep the deductible at $0 or $500.
A worked example: a 65-year-old mother, 1 December to 30 January
She arrives in Toronto on 1 December and flies home on 30 January: 61 days inclusive. She takes one blood pressure tablet, unchanged for two years. Her daughter in Mississauga buys 64 days of cover, $100,000, $0 deductible, on a plan that covers stable pre-existing conditions.
| Step | Decision | Figure |
|---|---|---|
| Count the days | 1 Dec to 30 Jan inclusive, plus 3 days for delays | 64 days |
| Coverage amount | $100,000; a three-week ward stay at $3,750 to $4,005 a day is about $80,000 to $84,000 | $100,000 |
| Pre-existing cover | Yes; hypertension stable 2 years meets every carrier’s 90- to 180-day test | Questionnaire plan |
| Deductible | $0; one emergency visit is $850 to $1,242 | $0 |
| Market average premium | $168.60 ÷ 30 × 64 | about $360 |
| Lowest carrier on the panel for this profile | Secure Travel at $171 a month ÷ 30 × 64 | about $365 |
| Effective date | 1 December, movable before then if the flight changes | 1 Dec |
| Buy when | After the visa is approved, before the flight | Day of booking |
The market average and the carrier figure differ slightly because PolicyAdvisor’s by-age table and its carrier table were compiled on different dates. Both are indicative; the quoter gives the exact day rate. Hospital rates are from Niagara Health and Queensway Carleton.
What does 60 days cost at each age?
Between $203 and $810 without pre-existing cover, and between $231 and $908 with it, across the ages families most often insure. Age is the main driver; the day rate roughly doubles between 55 and 75.
Estimated premium, $100,000 coverage, 60 days, $0 deductible, derived from PolicyAdvisor’s 30-day rates (modified 12 Oct 2026) — verify at quote time.
| Visitor’s age | 60 days, no pre-existing cover | 60 days, stable pre-existing cover | Derived day rate, with pre-existing |
|---|---|---|---|
| 45 | about $203 | about $231 | about $3.85 |
| 55 | about $221 | about $259 | about $4.32 |
| 65 | about $266 | about $337 | about $5.62 |
| 75 | about $480 | about $658 | about $10.96 |
| 85 | about $810 | about $908 | about $15.13 |
PolicyAdvisor’s cost guide gives $300 to $600 as the range for trips of 31 days or more across all ages; the table above is the better budgeting tool because it separates age.
What does 60 days cost at each carrier?
From about $342 to $544 for a 65-year-old with stable pre-existing cover, using PolicyAdvisor’s carrier monthly rates doubled. The spread between carriers is wider than the spread between deductibles, so compare carriers first.
Estimated premium, $100,000 coverage, 60 days, stable pre-existing conditions covered, monthly figure × 2 from PolicyAdvisor’s carrier tables (modified 16 Sep 2026) — verify at quote time.
| Carrier (underwriter) | Age 55 | Age 65 | Age 70 | Age 75 |
|---|---|---|---|---|
| Secure Travel (iA Financial Group, claims by MSH) | about $262 | about $342 | about $564 | about $666 |
| Destination (Zurich Insurance Company Ltd, Canadian Branch) | about $292 | about $458 | about $716 | about $884 |
| GMS (Group Medical Services) | about $268 | about $400 | about $716 | about $922 |
| TuGo (iA Financial Group) | about $332 | about $474 | about $664 | about $840 |
| Manulife CoverMe Plan B (Manufacturers Life) | about $360 | about $480 | about $696 | about $904 |
| 21st Century Enhanced (Manulife) | about $384 | about $544 | about $780 | about $970 |
Lowest of the six carriers compared on 18 October 2026 for a 65-year-old with stable pre-existing conditions: Secure Travel at about $342 for 60 days. GMS, TuGo and Manulife figures are annual premiums divided by six, so the true 60-day price may differ. Each carrier’s stability period and age limit are on the pre-existing conditions page.
Should I buy 60 days or two 30-day policies?
One 60-day policy. The price is the same because plans are priced per day, but a renewal or extension is granted only if no claim has been made and health has not changed. GMS extends only if no insured person needed medical treatment during the coverage period; Manulife requires no event that could lead to a claim.
| Choice | If nothing happens | If the parent is treated in week 3 |
|---|---|---|
| One 64-day policy | Pays 64 days | Covered to day 64 |
| 30 days, then renew | Pays 60 days | Renewal refused; uninsured from day 31 |
| 30 days, then switch carrier | Pays 60 days | New carrier excludes the treated condition; waiting period may apply |
If the return date is uncertain, buy longer and claim a pro-rata refund on early return; see how long the policy should be.
How much does a deductible save on a two-month policy?
About $51 at $500 and $118 at $5,000 on a $337 premium, using the 15% and 35% discounts published by Manulife and matched by 21st Century. The saving is small in dollars because the premium is small; the exposure is the full deductible on the first claim.
| Deductible | Discount (Manulife, 21st Century) | 60-day premium at 65, stable conditions, from $337 | Family pays on a $1,242 emergency visit |
|---|---|---|---|
| $0 | 0 | about $337 | $0 |
| $500 | 15% | about $286 | $500 |
| $1,000 | 20% | about $270 | $1,000 |
| $5,000 | 35% | about $219 | $1,242, and the next $3,758 of any later claim |
Travelance (Old Republic Insurance Company of Canada) discounts 15% at $500 and 30% at $1,000 to age 59. The deductibles page has the full break-even table.
What should be in place before the flight?
The certificate, the assistance phone number and a movable start date. Buy after the visa is approved, so there is nothing to cancel; a policy bought after arrival carries a 72-hour illness wait at Manulife and 2 days at GMS. The how to buy page lists what the quoter asks for.
- Visa or eTA approved and flight booked.
- Policy bought with the effective date equal to the arrival date and the term equal to the return date plus three days.
- Medical questionnaire answered with the parent on the phone and the pharmacy record open.
- Certificate PDF emailed to the parent and printed for the carry-on.
- Assistance line number saved in the parent’s phone and the host’s phone.
- If the dates change, the effective date moved before coverage begins.
For a visit that could stretch past two months, read the 6-month trip page; the authorized stay is normally six months, and over-buying costs only a cancellation fee.
SuperVisaDirect is operated by Super Visa Direct Insurance Services, an independent Ontario life and accident-and-sickness insurance agency licensed by FSRA (licence [FSRA-LICENCE]). We serve Ontario residents; other provinces are planned for 2028. Email [email protected] or request a callback, Monday to Friday, 8:00am to 6:00pm Eastern Time.
Questions people ask
How many days should I buy for a two-month visit?
The arrival date to the departure date inclusive, plus three days for delays. A visit from 1 December to 30 January is 61 days; buy 64. The three extra days cost about $17 at 65 and are cheaper than a gap. If the return is open-ended, buy longer and claim a pro-rata refund on early return; extensions require no claim.
Is it cheaper to buy two 30-day policies?
No, and it is riskier. Visitor plans are priced per day, so 60 days costs the same as two 30-day terms, but a renewal is only granted if no claim has been made and health has not changed. A parent treated in week three cannot renew in week four. Buy the whole trip in one policy.
Should I take a $500 deductible on a two-month policy?
Only if the family can comfortably pay $500 at the hospital. The saving is about 15% at Manulife, 21st Century and Travelance, which is roughly $51 on a $337 premium at 65. One emergency visit is $850 to $1,242 at Ontario hospitals, so the deductible is consumed by the first claim. For parents over 70, $0 is the usual choice.
What if my parent's visa arrives late and the dates move?
Change the effective date before coverage begins; every carrier in our comparison allows it, usually at no charge. Buy after the visa is approved to avoid the problem altogether. If the trip is cancelled, most carriers refund in full before the effective date, and with the IRCC refusal letter if the visa is refused.
What does a two-month trip cost for a parent with diabetes or high blood pressure?
About $337 at 65 and $658 at 75 on a plan that covers stable pre-existing conditions, against $266 and $480 on a plan that excludes them. The uplift buys cover for the conditions the parent is most likely to be treated for. The condition must have been stable for the carrier's 90- to 180-day period before the start date.
Does the policy cover a weekend in Niagara Falls, New York, during the trip?
Usually, as a side trip: GMS covers trips of up to 30 days and under 50% of the coverage period, Manulife the lesser of 30 days or 49%, Travelance 45 days. The trip must start and end in Canada and must not be to the home country. US hospitals bill at US rates, so the $100,000 limit is used faster.
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Sources
- PolicyAdvisor – Visitor insurance Canada (monthly premiums by age, modified 12 Oct 2026)
- PolicyAdvisor – Super visa and visitor insurance cost tables (carrier monthly rates)
- PolicyAdvisor – Cost of visitors insurance to Canada (31+ day ranges)
- Manulife CoverMe – Visitors to Canada Standard plan (deductible discounts; waiting periods; side trips)
- GMS – Visitors to Canada travel insurance (extension conditions; side trips; waiting periods)
- PolicyAdvisor – Travelance visitor to Canada review (deductible discounts; 45-day side trips)
- PolicyAdvisor – 21st Century visitor to Canada review (deductible and companion discounts)
- Niagara Health – 2026-27 non-resident rate schedule ($850 emergency visit; $3,750 ward)
- Queensway Carleton Hospital – Fees without health insurance ($1,242 emergency visit; $4,005 ward)