Parents aged 80 and over can still get Super Visa insurance. The IRCC rules don't change with age — $100,000 for one year from a qualifying insurer — but fewer insurers offer plans after 80, most ask a medical questionnaire, and premiums are much higher. The most important step is answering the medical questions correctly; the most effective way to lower the price is usually a higher deductible.
What changes after 80
- Fewer insurers. Many plans stop at 85 or 89; some limit $100,000+ coverage to younger ages.
- Medical questionnaire. Most insurers ask detailed questions about the last 6–24 months. Some answers make a traveller ineligible for a plan, or for pre-existing cover.
- Longer stability periods may apply for pre-existing conditions.
- Higher premiums — each age band costs more, and couples over 80 pay noticeably more than couples in their 60s.
- Deductible options matter more: a higher deductible can bring the price down significantly.
The medical questionnaire, explained
Typical questions ask whether, in a recent period, your parent has:
- Been admitted to hospital
- Been advised to have tests or surgery not yet done
- Used home oxygen
- Had kidney dialysis
- Been diagnosed with a terminal illness
- Had heart or lung conditions treated
- Taken a certain number of medications
- Had a stroke or mini-stroke
Each insurer words these differently. One "yes" might rule out one company but not another — which is why comparing several insurers with an advisor matters most at this age.
How to keep the cost manageable
- Compare every insurer that accepts the age — prices differ a lot after 80.
- Consider a $1,000–$5,000 deductible if the family can afford it.
- Buy before a birthday that moves your parent into the next age band.
- Use a monthly plan to spread the cost.
- Keep pre-existing condition cover if there is any condition — at 80+ it's the coverage most likely to be used.
Practical tips for families
- Have the full medication list (name and dose) ready before the call.
- Note any hospital stays or new tests in the last two years, with dates.
- Keep the insurer's assistance number in your parent's wallet and on your phone.
- Plan the renewal early — see renewing Super Visa insurance.
Written and reviewed by Pankaj Bhatia, PFA, CHSLicensed insurance advisor (ON, BC, AB, MB, SK, NB, NS) · 11 years in financial services · Published October 29, 2026 · Last updated October 29, 2026