Quick answer
Super Visa insurance prices depend mainly on the traveller's age, pre-existing conditions, the deductible and the coverage amount. The fastest ways to lower the cost are choosing a higher deductible, comparing several insurers at once, and making sure stable conditions are disclosed correctly so you don't pay for a plan you can't claim on.
The 6 factors that set your price
- Age. Insurers price by age band; premiums rise noticeably at each band, especially from the late 60s onward.
- Pre-existing conditions. Plans that cover stable conditions cost more — but they are what most parents need.
- Deductible. Moving from $0 to $1,000 or $2,500 can cut the premium significantly.
- Coverage amount. $100,000 is the minimum; higher limits add relatively little cost.
- Couple pricing. Some insurers discount couples travelling together.
- Payment method. Monthly plans may cost slightly more than paying in full.
How to lower the cost safely
- Compare every eligible insurer at once with the quote tool.
- Pick the highest deductible you could comfortably pay in an emergency.
- Don't under-declare conditions — a cheaper policy that won't pay is the most expensive mistake.
- Ask about refunds for early return so you don't overpay if plans change.
Why the Super Visa exists
The Super Visa was created in 2011 to reunite families faster than the parent and grandparent sponsorship program, which had long backlogs. Today it allows stays of up to five years at a time — but only with valid private medical insurance.
Reviewed by Pankaj Bhatia, PFA, CHS · Last updated October 22, 2026