🤖 AI-Powered Super Visa Insurance Calculator

Get personalized provider recommendations using artificial intelligence. Our AI analyzes your situation and finds the best coverage at the best price – just like a personal insurance advisor, but faster and free.

⚡ Powered by Gemini AI | Real-time Quotes | Smart Recommendations

Tell Us About Your Situation

🤖 How AI Helps: Our AI analyzes thousands of insurance policies to find the perfect match for your parent's age, health status, and budget. It's like having an expert insurance broker working for you 24/7.

AI is analyzing your situation...

Comparing prices from 10+ providers

Why You Need This Calculator (And Why Families Love It)

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Save Big on Premiums

Insurance costs vary wildly between providers – sometimes by 40% or more. Our calculator lets you compare rates instantly so you're not overpaying. Some families save over $800 annually just by shopping around.

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Get Answers in Seconds

No more waiting for brokers to call you back. No email chains. Just enter your info and boom – you've got your estimate. That's how insurance quotes should work in 2025.

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Government-Compliant Coverage

IRCC (Immigration, Refugees and Citizenship Canada) is strict about insurance requirements. Our calculator only shows you plans that meet their criteria: minimum $100,000 coverage, valid for 1+ years, from approved Canadian insurers.

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Pre-existing Conditions? No Problem

Got diabetes, high blood pressure, or other health concerns? The calculator factors that in. Many policies cover stable pre-existing conditions – you just need to know which ones and how much extra they cost.

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Flexible Payment Plans

Paying $1,500+ upfront isn't always doable. That's why we show you monthly payment options too. Some insurers let you spread the cost over 12 months – you'll see those options in your quote.

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Made for Canadian Families

This isn't some generic travel insurance calculator. It's built specifically for the super visa program, with rates from actual Canadian providers who understand the ins and outs of parent and grandparent sponsorship.

How Much Does Super Visa Insurance Actually Cost?

Here's the straight goods: most families pay between $100 and $200 per month for basic coverage. But that number jumps around depending on a few key factors.

Age Matters (A Lot)

Ages 50-59: Usually $80-$130/month
Ages 60-69: Typically $110-$170/month
Ages 70-79: Often $160-$240/month
Ages 80+: Can reach $250-$350/month

The older your parents, the higher the premium. It's not personal – it's just actuarial math.

Deductibles = Savings

Choosing a $1,000 deductible instead of $0 can slash your premium by 25-45%. That's real money. Just know you'll pay that deductible out-of-pocket if there's a claim.

Pro tip: If your parents are healthy, a higher deductible makes sense. You pocket the monthly savings, and odds are you won't need to make a claim anyway.

Coverage Amount

The government requires $100,000 minimum. Most families stick with that. But if you want extra peace of mind, you can bump it up to $150K, $200K, or even $300K. Each increase adds $10-$30 to your monthly cost.

Pre-existing Conditions

This is where things get tricky. If your mom has diabetes or your dad has heart issues, not all insurers will cover them – and those who do charge more. Expect to pay an extra 20-50% on your premium.

But here's the good news: if the condition has been stable (no new meds, no hospital visits) for 90-180 days, many insurers will still cover it.

Real Example:

Meet Priya from Brampton. Her 68-year-old father needed super visa insurance. She used our calculator and found a policy with $100,000 coverage, $500 deductible, covering his stable blood pressure. Monthly cost? $142. Annual cost? $1,704. She saved almost $600 by comparing providers instead of going with the first quote she got.

Questions Everyone Asks About Super Visa Insurance Costs

Is super visa insurance really mandatory?
Yes, 100%. IRCC won't even look at your super visa application without proof of insurance. You need a policy that covers at least $100,000 for a minimum of one year, purchased from a Canadian insurance company. No exceptions.
Can I pay monthly or do I need to pay the full year upfront?
Great question! Most insurers now offer monthly payment plans – you typically pay the first two months upfront, then monthly after that. It's a lifesaver if you don't have $1,500+ sitting around. Just know that monthly plans can cost slightly more overall than paying annually.
What if my parent leaves Canada before the year is up?
You can usually get a refund for unused months – as long as you haven't made any claims. Most insurers charge a small cancellation fee (around $25-$50), then refund the rest. Check the refund policy before you buy.
Will my parent's high blood pressure or diabetes be covered?
It depends on how stable the condition is. If your parent's meds haven't changed and they haven't been hospitalized for it in the past 90-180 days (varies by insurer), there's a good chance it'll be covered. You'll answer some health questions when you apply, and the insurer will tell you yes or no.
How accurate is this calculator?
Pretty darn accurate. Our estimates are based on actual rates from 20+ Canadian insurance providers as of 2025. That said, your final quote might vary slightly based on specific health questions and the exact policy you choose. Think of this calculator as your ballpark figure – perfect for budgeting and planning.
Can I buy insurance for both parents together?
Absolutely! Buying a couple's policy is usually cheaper than two separate policies. You'll save anywhere from 10-20% compared to insuring each parent individually. Just make sure both their details are included when you get your quote.
What happens if we need to extend the super visa beyond one year?
You'll need to extend or renew the insurance policy too. You can't let it lapse while your parents are in Canada. Most families either renew with the same provider or shop around again for better rates. Our calculator can help you estimate those renewal costs.

Ready to Get Your Official Quote?

You've done the math. Now let's get you connected with real insurance providers who can lock in your rate and get your super visa application moving.

Contact Now

Or email us at contact@supervisainsurance10.ca – we'll get back to you within 2 hours.