Quick answer
Each parent on a Super Visa needs their own policy, or their own $100,000 under a couple policy, valid for a year from entry. Most insurers price each person by their own age and simply add the two together, so there's usually no couple discount. On October 29, 2026, the lowest total for a couple aged 67 and 64 was $2,850.12 a year for $100,000 each with no deductible.
Couple Policies vs Two Separate Policies
A couple policy is one application and one policy number with both parents on it. Each person still gets their own $100,000 limit. If your father uses $40,000 in a hospital stay, your mother's $100,000 is untouched.
The price is almost always the sum of two single prices. When we quoted a 67-year-old and a 64-year-old today, every plan showed a separate premium for each parent, and the total matched the two added together.
So why use a couple policy at all? It keeps the paperwork in one place, one renewal date, one monthly payment. The downside: if one parent has a health issue that only one insurer will cover well, you might do better with two different plans. Separate policies are allowed. IRCC only checks that each applicant has qualifying cover.
One more thing: if one parent goes home early, check how the plan handles a partial refund on a couple policy. Some refund that parent's share, some only allow changes at renewal.
Today a 64-year-old cost about $300 less than a 67-year-old on the same plan. If one parent is over 70 or 80, that gap gets much bigger.
Both parents count in the host's family size for the minimum income test, so the host needs a higher income for two. Check the income table.
Couple Prices: Ages 67 and 64
Live quotes on our site on October 29, 2026. $100,000 each, $0 deductible, 365 days, standard cover.
| Plan | Parent, 67 | Parent, 64 | Couple total | About per month |
|---|---|---|---|---|
| TruStone Association Plus | $1,594.71 | $1,255.41 | $2,850.12 | $237.51 |
| Secure Travel Standard | $1,620.60 | $1,328.60 | $2,949.20 | $245.77 |
| 2 Visit Canada | $1,661.12 | $1,373.04 | $3,034.16 | $252.85 |
| Travcare Essential | $1,726.45 | $1,346.85 | $3,073.30 | $256.11 |
| MSH Discover Canada | $1,711.85 | $1,412.55 | $3,124.40 | $260.37 |
Monthly figure is the total divided by 12, before deposit and setup fees. Starr, MSH, 21st Century and others also quoted, with totals from $3,117 to $7,004.
Two-Parent Cost Tool
Pick a plan for each parent. See the yearly total and a rough monthly figure. Uses the live prices above.
Couple Super Visa Insurance: Your Questions
Do both parents need separate Super Visa insurance?
Each parent needs at least $100,000 of their own cover for a year from entry. It can be one couple policy or two separate ones.
Is there a couple discount on Super Visa insurance?
Usually not. Most insurers price each parent by age and add them together. A couple policy saves paperwork, not money.
Can my parents be on different insurance plans?
Yes. IRCC only checks that each applicant has qualifying cover. Different plans can make sense when one parent has a health condition.
Can the couple share one $100,000 limit?
No. A shared limit doesn't meet IRCC's rule. Each parent must have $100,000 of their own.
What if only one parent goes home early?
Many plans refund that parent's unused days if there were no claims. Check the couple policy's refund rules before you buy.
Can a couple pay monthly?
Yes, on plans that offer monthly payments. The deposit and setup fee usually apply to the policy, not per person, but it varies.
Pankaj Bhatia, PFA, CHS
Pankaj is a licensed insurance advisor with offices in Mississauga and Cambridge, Ontario, and a member of Advocis. He helps families compare Super Visa and visitor plans from Canadian insurers and sorts out claims and refunds when plans change.
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Bringing both parents?
Send both dates of birth. We'll price every couple plan and tell you if splitting saves anything.