Many insurers let you insure both parents on one couple policy, and some give a lower combined price. Each parent is still covered for at least $100,000 and priced on their own age and health. If one parent has conditions that limit their options, two separate policies — even with different insurers — can be cheaper or give better cover.
Couple policy vs. separate policies
| Couple policy | Separate policies | |
|---|---|---|
| Price | Sometimes a combined discount | Each priced on its own |
| Insurer | Same insurer for both | Can choose the best insurer for each |
| Medical questions | Each parent answers separately | Same |
| Dates | Usually the same dates | Can differ |
| Best when | Similar ages, both healthy or both stable | Big age gap or different health needs |
When ages are far apart
If one parent is 64 and the other 72, they fall in different age bands. A couple discount may still help — but sometimes the younger parent gets a better price elsewhere. Pankaj compares both ways.
When one parent has health issues
If one parent needs pre-existing condition cover and the other doesn't, buy what each actually needs. Separate policies let you pick a plan with strong pre-existing cover for one parent and a simpler, cheaper plan for the other.
What IRCC needs
Each parent applying for a Super Visa needs proof of their own coverage meeting the rules — a couple policy is fine as long as both names appear with the required coverage. See insurance proof.
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