The biggest factors affecting the premium
- Traveller age: premiums usually increase with age and product age bands.
- Coverage limit: $100,000 is the Super Visa minimum; $150,000 or $200,000 may cost more when available.
- Policy duration: quotes depend on covered days and effective dates.
- Deductible: a higher amount can reduce premiums but increases claim-related out-of-pocket exposure.
- Medical history: plan eligibility and stable-condition protection can affect price.
- Insurer and plan design: emergency medical wording, exclusions and payment terms differ.
How to compare realistic quotes
Use the live Super Visa comparison form with the traveller’s actual date of birth, travel dates, policy limit and relevant medical details. Review each insurer’s premium, deductible, exclusions, applicable taxes or fees, and available payment arrangement. The lowest price is only useful if the policy is eligible and meets your family’s needs.
Should you choose a deductible?
A deductible is an amount the insured pays toward a covered claim under the contract. A high deductible can make the premium appear substantially cheaper. Calculate the total potential cost of the deductible, not just the savings in premium. The method of applying deductibles can differ between insurers and claims.
Can monthly payments make coverage affordable?
Some participating insurers permit payment in instalments, generally with an upfront deposit and continuing payments. The amount due immediately, possible instalment charges, cancellation provisions and non-payment consequences should be evaluated before purchase. An estimate is not proof of qualifying insurance.