Quick answer
Yes, parents over 80 can get Super Visa insurance. On October 29, 2026, 14 plans quoted a single 80-year-old for $100,000 with no deductible, from $3,826.80 to $14,219.67 a year. At 85, the lowest was $5,124.60. Several low-cost plans, including Secure Travel, 2 Visit Canada and Travcare, stop quoting before 80, and medical questions matter more at this age.
Why Over-80 Super Visa Insurance Costs More
Insurers price by age bands. A 70-year-old and an 80-year-old can buy the same $100,000 policy, but the claims history behind the 80 band is much heavier: more falls, more cardiac admissions, longer hospital stays. On our quotes today, the cheapest plan for a 70-year-old was $1,711.85. At 80, it was $3,826.80.
The choice also gets smaller. Several plans that are popular for parents in their 60s and 70s don't quote at 80 at all. Others need a medical questionnaire, and a few have a 90-day or longer stability clause for pre-existing conditions at this age.
Then there's the 85 jump. Most plans move up again at 85, and some steeply. Allianz went from $14,219.67 at 80 to $40,104.65 at 85 on the same day. Others, like 21st Century Basic and Manulife Basic, priced 80 and 85 the same.
The price is set by age on the day the policy starts. If your father turns 80 in March and the trip starts in April, a February start date can save a few hundred dollars for the full year.
IRCC accepts monthly plans when a deposit is paid. At 80, TruStone's monthly option was about $319 a month.
How monthly plans workLowest Super Visa Prices at Age 80
Live quotes on our site on October 29, 2026. One person, $100,000, $0 deductible, 365 days. Monthly column is the yearly price divided by 12, before deposit and setup fees.
| Plan | Yearly | About per month |
|---|---|---|
| TruStone Association Plus | $3,826.80 | $318.90 |
| Starr | $4,568.41 | $380.70 |
| 21st Century Basic | $5,124.60 | $427.05 |
| Manulife Basic | $5,124.60 | $427.05 |
| TuGo | $5,341.41 | $445.12 |
| JF Visitors to Canada | $5,343.60 | $445.30 |
| Travelance Essential | $6,248.80 | $520.73 |
| Manulife Standard | $7,051.80 | $587.65 |
Age Price Explorer: 70, 80 or 85
Pick an age to see the five lowest live prices we got on October 29, 2026 for $100,000 with no deductible.
How We Keep Over-80 Premiums Down
Quote before birthdays
We check the start date against the next birthday every time.
Look at a deductible
A $1,000 deductible can cut hundreds a year. It only makes sense if the family can pay that first $1,000. Read this first.
Stay at $100,000
Extra coverage is nice, but at 85 every step up costs real money. $100,000 meets IRCC's rule.
Get the questions right
At this age, a wrong answer on the medical questionnaire is the biggest risk to a claim. We go through it line by line with you.
Over-80 Super Visa Insurance: Your Questions
Is there an age limit for Super Visa insurance?
IRCC has no age limit for the Super Visa. Insurers set their own. On our quotes on October 29, 2026, 14 plans still quoted an 85-year-old.
How much is Super Visa insurance for an 80-year-old?
On October 29, 2026, the lowest live quote for a single 80-year-old was $3,826.80 for $100,000 with no deductible. Most plans were between $4,500 and $7,500.
How much is it at 85?
The lowest we saw was $5,124.60. The range was wide, up to $40,104.65 on one plan.
Can my 82-year-old mother pay monthly?
Some plans offer monthly payments at this age, with a deposit and setup fee. IRCC accepts monthly plans as long as the deposit is paid.
Are pre-existing conditions covered after 80?
On some plans, if stable. Stability periods are often longer at this age, and a few plans ask more medical questions. See our pre-existing conditions guide.
Does my parent need a medical exam for the insurance?
No exam for the insurance. Some plans ask health questions. The immigration medical exam is separate and is part of the visa application.
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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Parent over 80?
Send us the date of birth and the trip dates. We'll check every plan that still quotes and the questions it asks.