Age
The single biggest driver for every type of travel coverage. A 52-year-old often pays under half of what a 72-year-old pays for identical coverage, because health risk rises with age.
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Travel insurance cost calculator for Canada
Estimate your 2026 premium in seconds — whether it's Super Visa insurance for a parent or grandparent, visitor-to-Canada coverage, or travel insurance for Canadians heading abroad. Adjust the age, trip length, coverage and deductible to see how each one changes the price, then get an exact quote from an FSRA-licensed Ontario advisor.
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LicensedFSRA-regulated Ontario advisor
Estimate your premium
Pick the coverage type, then adjust the details — illustrative 2026 estimate.
Estimated Super Visa premium
$2,000 – $3,800
per year · $100,000 coverage
≈ $167 – $317 per month if paid monthly
Illustrative estimate only — not a quote or guarantee of premium. Actual rates depend on the applicant, insurer, destination and policy terms. Comparing insurers usually saves the most.
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What moves the price
The calculator applies the same factors insurers use. Here's why each input changes your estimate — and where you can save.
Trip length & destination
Visitor and travel policies are priced per day of coverage, so longer trips cost more. For Canadians abroad, U.S. destinations cost more than the rest of the world because American healthcare is the world's most expensive.
Deductible, coverage & health
A higher deductible lowers the premium — often the most effective lever. $100,000 meets the Super Visa requirement; stable pre-existing conditions can be covered for a higher premium, and usually should be, since uncovered conditions mean denied claims.
An estimate is a starting point — a quote is a real price
Different insurers price the same traveller very differently. Cover & Protect compares plans from multiple Canadian insurers for your exact situation, free and with no obligation.
Turn your estimate into an exact quote
Send the basics and Cover & Protect will compare suitable plans from Canada's top insurers and contact you personally. Your calculator selections are included automatically so you don't have to repeat them.
How accurate is this calculator?
It reflects typical 2026 market ranges for the standard factors — age, trip length, coverage, deductible and stable pre-existing conditions. It's an illustration, not a quote: insurers price the same traveller differently, which is exactly why comparing through an advisor pays off. See the Super Visa cost guide and the guide for Canadians travelling abroad for the numbers behind the estimates.
Which coverage type should I pick?
Super Visa is the mandatory 1-year, $100,000-minimum policy for parents and grandparents applying under the Super Visa program. Visitor to Canada covers any other visitor — tourists, family on a regular visa, new immigrants waiting for OHIP. Canadians Abroad is emergency medical coverage for Canadian residents travelling outside Canada, where provincial health plans cover almost nothing.
Can we pay monthly on Super Visa plans?
Many Super Visa plans offer monthly payments — typically a deposit of about two months' premium with the balance spread over the stay. Paying monthly usually costs a little more over the full year than paying upfront.
What if the visa is refused?
Most insurers refund in full on refusal if the policy hasn't started. Read the refund guide for how it works, including monthly plans.
Are pre-existing conditions covered?
Often yes, if the condition has been stable for the insurer's required period (commonly 90–180 days), usually at a higher premium. The right plan depends on the specific condition and wording — this is where advice matters most.