Quick answer
A family plan covers two adults and their dependent children on one policy, usually for less than separate policies. Many insurers price a family plan on the oldest family member, set an age limit for the adults (often around 59–69) and define dependent children by age. Family plans work well for young families visiting Canada and for new immigrants waiting for provincial coverage.
Who usually qualifies
- Two adults (spouses or partners) within the insurer's age limit
- Their dependent, unmarried children — commonly up to a set age (often around 21, or older if a full-time student)
- Everyone travelling on the same dates
Family plan vs. separate policies
| Family plan | Separate policies | |
|---|---|---|
| Price | Usually lower for 2 adults + kids | Each person priced on age |
| Dates | Same dates for everyone | Different dates possible |
| Medical history | Each person still answers questions | Same |
| Best for | Young families travelling together | Grandparents, mixed ages, different dates |
What about grandparents?
Grandparents usually exceed family-plan age limits and are insured separately — with a Super Visa or visitor policy priced on their own age.
Tips
- Check whether the plan uses one deductible per person or per family.
- Confirm each child's age fits the insurer's definition.
- If one person needs pre-existing cover, compare a family plan with separate policies.
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