Applying for a Super Visa to bring your parents or grandparents to Canada? One of the key requirements is purchasing Super Visa Insurance, which provides essential medical coverage for visitors.
Many applicants wonder: Can I pay for Super Visa Insurance monthly? The good news is that some insurance providers offer Super Visa Insurance monthly plans, making it more affordable by spreading the cost over several months instead of requiring full payment upfront.
In this guide, we’ll explore how Super Visa Insurance monthly plans work, costs, benefits, eligibility, and the best providers to help you find the right option.
What is a Super Visa Insurance Monthly Plan?
A Super Visa Insurance Monthly Plan allows applicants to pay for their medical insurance in monthly installments rather than making a large one-time payment. However, there are important things to know:
✅ IRCC still requires proof of full coverage – Some providers structure monthly plans by requiring an initial deposit or hold on a credit card.
✅ Not all insurance companies offer monthly plans – Many providers still require full payment upfront.
✅ Eligibility criteria may apply – Some insurers only offer monthly plans to applicants with strong financial backgrounds.
💡 Tip: Always confirm with your insurance provider whether their monthly plan meets Immigration, Refugees and Citizenship Canada (IRCC) requirements.
How Much Does a Super Visa Insurance Monthly Plan Cost?
The cost of Super Visa Insurance monthly plans depends on factors like age, health condition, coverage amount, and provider.
Typical Monthly Premiums for Super Visa Insurance
| Age Group | $100,000 Coverage (Monthly) | $250,000 Coverage (Monthly) |
| 40 – 50 years | $60 – $110 | $85 – $150 |
| 51 – 60 years | $80 – $130 | $110 – $180 |
| 61 – 70 years | $120 – $180 | $160 – $250 |
| 71 – 79 years | $200 – $350 | $300 – $450 |
| 80+ years | $350 – $550 | $450 – $750 |
💡 Tip: While monthly payments are easier on the budget, the total cost over 12 months may be higher than a one-time annual payment due to administrative fees.
Benefits of a Super Visa Insurance Monthly Plan
1. Affordable Payments
- Spreads the cost over several months, making it easier to manage finances.
2. Full Coverage Without Large Upfront Costs
- Allows applicants to meet IRCC’s insurance requirements without paying a lump sum.
3. Flexibility
- Some providers allow policyholders to cancel or adjust their plans if needed.
4. Refund Options
- If the Super Visa is denied, most insurance companies offer partial or full refunds (if no claims are made).
Best Super Visa Insurance Providers Offering Monthly Plans
Not all insurance companies provide monthly payment options, but here are some that do:
🏆 1. Manulife
- Offers monthly payment options with flexible coverage.
- Covers pre-existing medical conditions with a stability period.
🏆 2. Blue Cross
- Known for its competitive rates and monthly premium options.
- Fast claims processing and excellent customer support.
🏆 3. Tugo
- Provides customized monthly plans for Super Visa applicants.
- Comprehensive coverage, including COVID-19 protection.
🏆 4. Travelance
- Budget-friendly plans with monthly installment options.
- Good coverage for emergency medical expenses.
🏆 5. GMS (Group Medical Services)
- Offers flexible Super Visa insurance with affordable monthly plans.
- Includes options for pre-existing condition coverage.
💡 Tip: Not all monthly plans are available online—contact providers directly to inquire about payment flexibility.
How to Apply for a Super Visa Insurance Monthly Plan
Step 1: Compare Insurance Providers
- Get quotes from multiple providers that offer monthly payment options.
Step 2: Check IRCC Compliance
- Ensure the policy meets IRCC’s minimum coverage requirement of $100,000 CAD.
Step 3: Apply for the Insurance Plan
- Fill out an application with accurate details about the applicant’s age, health, and coverage needs.
Step 4: Set Up Monthly Payments
- Some insurers require an initial deposit, while others may place a credit hold for security.
Step 5: Receive Proof of Insurance
- Once approved, you’ll receive an insurance certificate, which must be submitted with your Super Visa application.
💡 Tip: If your parents or grandparents have pre-existing medical conditions, choose a provider that covers them to avoid claim rejections.
Money-Saving Tips for Super Visa Insurance Monthly Plans
1. Compare Multiple Quotes
- Prices vary between providers, so always get at least three quotes before purchasing.
2. Choose a Higher Deductible
- Opting for a higher deductible (e.g., $1,000 instead of $0) can lower monthly premiums.
3. Pay Annually if Possible
- Some insurers charge extra for monthly payments—if you can afford it, a one-time annual payment may be cheaper.
4. Ask About Discounts
- Some providers offer family discounts if multiple applicants purchase coverage together.
5. Check for Refund Policies
- Ensure the provider offers full or partial refunds in case of visa rejection.
💡 Tip: If you choose a monthly plan, make sure you understand the cancellation policy in case of early departure.
Frequently Asked Questions (FAQs)
1. Can I pay for Super Visa Insurance in monthly installments?
Yes, some providers offer monthly payment options, but you may need to pay a deposit or provide a credit card hold.
2. Does IRCC accept Super Visa Insurance monthly plans?
Yes, as long as the provider can issue proof of full coverage for at least one year.
3. Can I cancel the monthly plan if my parents leave early?
Most insurers allow early cancellation, but refunds depend on whether claims were made.
4. Do all providers offer monthly payment options?
No, some insurers require full upfront payment. Always check with the provider before applying.
5. Can I get a refund if my Super Visa is denied?
Yes! Most companies offer full refunds (if no claims were made).
Final Thoughts
Getting Super Visa Insurance rates is a great way to manage costs while ensuring your loved ones have the required medical coverage in Canada. While not all providers offer monthly options, some top insurers like Manulife, Blue Cross, and Tugo do provide flexible payment plans.
