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Pricing explainer · education only

What actually moves the price of visitor cover.

No quotes here — something better: the levers. Flip them and watch a relative index move, so when a real quote arrives you understand exactly why it looks the way it does.

Age of the visitor

The biggest single factor. Premiums step up in age bands.

Coverage amount

Super Visa requires at least $100,000.

Deductible

Pay more yourself per claim, pay less for the policy.

Pre-existing conditions covered?

Shorter stability requirements cost more — and matter most.

Relative price index
130vs. a baseline of 100

Baseline 100 = a visitor aged 55–69 with $100,000 coverage, a $500 deductible and a 180-day stability clause.

Illustrative index for education only — not a quote, not a price, and not specific to any insurer.
Education only. HealthRate is education only. We do not sell, quote or arrange insurance — on this page or anywhere on this site.
Super Visa requires ≥ $100,000