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- You are allowed to pay for Canadian Super Visa insurance either monthly or yearly
- Only a limited number of providers currently allow monthly instalments, including 21st Century, Travelance, Destination Canada, and Secure Travel
- Instead of paying the entire annual premium at once, you can choose monthly payment option so that the cost is spread over the year
Yes, you can pay for Super Visa insurance monthly, provided you choose a Canadian insurer that offers installment plans such as Secure Travel, Destination Canada, Travelance, or a few others. IRCC accepts monthly Super Visa insurance payment plans as long as the policy provides at least $100,000 and the required deposit or initial premium has been paid before entering Canada.
What does IRCC require for Super Visa insurance monthly payments?
IRCC accepts monthly payment Super Visa insurance plans, but applicants must meet specific insurance and payment requirements for the policy to be considered valid.
- At the time when you are filing the Super Visa application, IRCC requires proof that the insurance policy has already been issued and paid for. A quote or a pending insurance application will not be enough
- For monthly payment plans, the initial deposit or first instalment must be successfully paid before applying for Super Visa application, and the remaining payments should be made once you arrive
- As per the rules, parents and grandparents visiting Canada must have a policy that must include:
- At least $100,000 in emergency medical coverage
- Coverage valid for at least one year
- Insurance purchased from an insurance company authorized by OFSI
Which Canadian insurers offer monthly Super Visa insurance?
Several reputable Canadian insurers, such as 21st Century, Travelance, Destination Canada, and Secure Travel, provide monthly payment plans for Super Visa insurance, offering flexibility and affordability for families.
- 21st Century: 21st Century offers a monthly payment plan for Super Visa, visitor, and work/student visa types with a $50 policy fee
- Travelance: Travelance provides a monthly payment option for Super Visa insurance policies with a minimum coverage of $100,000 and a duration of 1 year. The upfront cost includes two months’ premium
- Secure Travel: Secure Travel offers a monthly premium payment option where the policy’s start date can be adjusted as needed, providing flexibility for applicants awaiting visa approval
- Destination Canada: Destination Canada has a 2-month deposit, a $10 fee at application, and a 365-day coverage period when you choose the monthly payment option
Super Visa insurance monthly payment options by provider
| Feature | 21st Century | Travelance | Secure Travel | Destination Canada |
| Upfront deposit required | 2-month deposit + policy fee | Two months premium | First month’s premium | 2-month deposit and policy fee |
| Policy fee | $50 | $100 | $120 one-time option fee | $10 fee at application |
| Coverage range | $100,000-$200,000 | $100,000, or $150,000 | Up to $1,000,000 | $100,000-$300,000 |
| Policy duration | 365 days or 730 days | 558 Days | 365 days | 365 days |
| IRCC-compliant | Yes | Yes | Yes | Yes |
| Flexible start date | Yes | Yes | Yes | Yes |
| Refund if visa is denied | Yes | Yes | Yes | Yes |
How can I apply for Super Visa insurance with monthly options?
To apply for Super Visa insurance and pay for it monthly, you just need to follow the steps below:
- Compare quotes: Research and select a Canadian insurance provider that offers a Super Visa monthly plan. Our advisors at PolicyAdvisor will help you look for reputable companies that provide adequate coverage for medical emergencies
- Review policy options: With the help of our advisors, evaluate the policy options presented, including coverage limits, premiums, and additional benefits. Ensure that the policy meets the Super Visa requirements
- Select a monthly plan: Fill out the insurance application form, and after approval, select the monthly payment option offered by select providers in Canada
- Make the initial payment: Make the initial payment plus any administrative fee that will vary depending on the insurer. Ensure you understand the payment terms and conditions
- Get the insurance proof: When the initial payment is approved, you will get the insurance copy. To apply for a Super Visa, you must submit this insurance proof to IRCC
How much does monthly Super Visa insurance cost?
The cost of Super Visa insurance depends on factors like the applicant’s age, health status, deductible amount, and the chosen coverage level.
Here is a table depicting how the cost varies for different age groups:
| Coverage scenario | Annual payment | Initial deposit | Monthly payment (10 months) |
Estimated total paid over 12 months | Extra cost of monthly payments |
| Parent Age 58 | $1,328.60 | $321.44 | $110.72 | $1428.64 | $100.04 |
| Parent Age 68 | $1,620.60 | $390.10 | $135.05 | $1740.60 | $120 |
| Couple Age 60 & 61 | $2,657.20 | $562.87 | $221.43 | $2777.17 | $119.97 |
*These costs reflect $100,000 in coverage for a visitor travelling to Canada for 1 year
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Why do monthly payments cost more than annual payments?
Monthly payment plans can make Super Visa insurance more affordable upfront, but they often cost more. Here’s why:
- Monthly payment setup fees: Insurers charge a one-time fee to enroll in a monthly payment plan. For example, Secure Travel applies a $120 activation fee in addition to the insurance premium, increasing the overall cost of coverage
- Upfront deposit requirements: Insurers such as 21st Century and Travelance require a two-month premium deposit at policy inception. While this is more affordable than an annual payment, you will still need to have enough funds available for the initial deposit period
- Missed payment risk: If the monthly payment is missed, there are chances that the policy can lapse. To apply for a new policy later, the premium amount will increase with age, which will be higher than the initial policy premium
What happens if you miss a monthly Super Visa insurance payment?
Missing a monthly Super Visa insurance payment leads to a lapsed policy. Here’s what exactly happens when you miss the payment:
- Insurers give a grace period: Some insurers provide a short grace period after a missed payment, allowing time to complete the payment. If the payment is not made during that time, then the policy will be cancelled or lapsed
- Loss of coverage: Once the policy lapses, the coverage for medical treatment, hospitalization, or emergency expenses incurred after that date will no longer be covered
- Super Visa compliance risk: Super Visa holders are required to maintain valid medical insurance in Canada. A lapsed policy may be considered a breach of Super Visa requirements, and you may fail to meet the conditions of your stay
- Claims will be denied: Medical claims related to incidents or treatments that occur after the policy cancellation date will not be eligible for reimbursement
Can you switch from annual to monthly Super Visa insurance?
Yes, you can change from a yearly to a monthly payment plan for your Super Visa medical insurance coverage if your provider has that option. Remember, only a few providers offer monthly payment options. Also, you need to make the request before the policy’s effective date.
Here are some of the things that you need to keep in mind for switching to monthly payments:
- If you have already paid the full annual premium, you will typically need to wait until the policy expires before choosing a monthly payment option at renewal
- 21st Century, Travelance, and Secure Travel offer monthly payment options for Super Visa insurance. If your current insurer does not provide this feature, switching to monthly payments may require changing insurers, too
- Moving to a new insurer may require waiting periods or reviews of pre-existing medical conditions, and often result in increased premiums, too
- When you are switching the payment modes, remember that Super Visa holders must maintain valid health insurance to remain compliant with IRCC requirements. So, make sure there is no gap in the coverage
Common mistakes when setting up monthly Super Visa insurance payments
Setting up monthly payments for Super Visa insurance requires you to be careful of the payment fee, timeline, and a few other things, such as:
- Using a quote as proof of insurance: A quote, estimate, or pending insurance application is not enough for a Super Visa application. IRCC requires proof of an active and paid insurance policy. Without confirmed coverage, your application may not meet the insurance requirement
- Paying only the premium: You cannot activate a monthly plan by simply paying a single month’s premium. Almost all insurers require an upfront deposit (typically two months of premiums) plus a one-time administrative fee
- Assuming all insurers offer monthly payments: Monthly payment options are not standard for Super Visa payments. Currently, only a few providers offer monthly Super Visa insurance plans. Assuming your preferred insurer offers monthly payments could result in a declined request and last-minute changes to your coverage plans
- Not confirming the deposit before travel: For plans that require an upfront deposit, the deposit must be successfully paid before the visitor enters Canada. Otherwise, it will result in a compliance gap
Is Super Visa insurance mandatory in Canada?
Yes, Super Visa Insurance is mandatory in Canada, and you must purchase it before you enter Canada under the Super Visa program. IRCC requires every applicant to show proof of private medical insurance before they approve a Super Visa. Without valid medical insurance, you cannot receive approval or enter the country.
Do monthly Super Visa insurance plans cover pre-existing conditions?
Whether Super Visa insurance plans cover pre-existing medical conditions depends on the insurer. Some insurers have Super Visa insurance plans that cover pre-existing medical conditions, provided the condition is considered stable for a specified period before coverage begins. Stability requirements vary by insurer, typically ranging from 90 to 180 days. Coverage for pre-existing conditions is most often offered in higher-tier plans like Standard and Enhanced, not Basic.
Can a Canadian sponsor buy Super Visa insurance on behalf of their parents?
Yes, Canadian sponsors can buy a Super Visa insurance policy on behalf of their visiting parents or grandparents. Since they are financially responsible for the visit, most people will buy the necessary Super Visa coverage on behalf of their visiting relatives. The policy can be in the name of the sponsor or visitor as long as it covers the required amount and duration.
How to get the best Super Visa insurance quotes in Canada?
To get the best Super Visa insurance quotes in Canada, you need to actively compare plans based on premiums, coverage, deductibles, and refund flexibility. PolicyAdvisor streamlines this process by providing access to quotes from over 30 top Canadian insurers. You can compare plans side by side, filter based on your preferences, such as monthly payments or pre-existing condition coverage, and choose the one that fits your family’s needs.
Our licensed insurance experts guide you through the entire purchase process, answer your questions, and help you clearly understand policy details. Even after you buy a plan, our dedicated after-sales support team remains available to assist with cancellations, claims, or changes, ensuring peace of mind throughout your stay in Canada. Schedule a call with us today to lock in affordable visitor insurance prices!
Frequently Asked Questions
Can I get Super Visa insurance without paying the full amount upfront?
Yes, some Canadian insurers allow Super Visa insurance premiums to be paid monthly through financing or installment plans instead of requiring a full annual payment upfront.
Which companies offer monthly Super Visa insurance in Canada?
Several insurers, including 21st Century, Travelance, Secure Travel, and Destination Canada, offer monthly Super Visa insurance payment options in Canada. The minimum deposit requirement and fees may vary from insurer to insurer.
Is Super Visa insurance refundable?
Yes, you can get a refund for Super Visa insurance under the following circumstances:
- If your Super Visa application is denied, the entire amount will be refunded
- If you cancel the policy before its start date, insurers might refund by deducting a small administrative fee
- If your parents return to the home country before the policy expiry date, the refund in this case is mostly on a pro-rata basis, if no claims are made
How long does it take to get Super Visa insurance?
In most cases, you’re approved as soon as you complete the application process. It’s quite fast and simple to get the coverage you need. Getting approved for the actual visa itself is much more complex and takes far more time.
You can apply for Super Visa insurance in a matter of minutes with PolicyAdvisor. We give you the option to apply online or over the phone with one of our expert advisors. You are free to apply however is easiest for you.
Super Visa insurance can be purchased through annual or monthly payment plans, making coverage more affordable for many families. Several insurers, including Secure Travel, Travelance, Destination Canada, and 21st Century, offer monthly payment options while meeting IRCC coverage requirements (min $100,000).
Government of Canada. Report to Parliament on the Super Visa Income Requirement, and the Appeal Process and Special Circumstances for All Temporary Resident Visas. Ottawa: Immigration, Refugees and Citizenship Canada, October 2024.
