Super Visa Insurance Monthly Payment Plans (2026)

Super Visa insurance on a monthly payment plan is exactly what it sounds like: instead of paying the full annual premium in one lump sum, you pay an initial deposit upfront and then make monthly payments for the remainder of the policy year. The policy itself is still a standard annual Super Visa insurance plan - valid for 365 days, covering $100,000 in emergency medical care, hospitalization, and repatriation, and fully compliant with IRCC's requirements. Only the payment structure is different.

Monthly payment Super Visa insurance is particularly useful for:

• Families sponsoring a parent or grandparent for the first time who are also managing immigration-related costs

• Situations where the visa application may be pending and a large upfront payment feels risky

• Families with multiple dependants or other financial commitments who prefer predictable monthly expenses

When you purchase a monthly payment Super Visa insurance plan through BestQuote, you pay an initial premium upfront before coverage begins. This initial premium typically covers two months of coverage plus a one-time non-refundable set-up fee that varies by insurer. After the initial payment, monthly payments begin automatically on a set schedule for the remaining months of the policy year.

Here is what the initial premium structure looks like in practice for a 65 year old traveller with $100,000 in coverage with no pre-existing medical conditions:

Not all Super Visa insurers offer monthly payment - only five of the plans available through BestQuote's quote engine include this option. Here is a summary of each, including what to know before purchasing

The BestQuote MedEC policy does not currently offer monthly payments, however, this will be coming soon!

TruStone Health's Hospital Medical Care plan is one of BestQuote's most popular monthly payment options. The initial premium is two months' premium plus a $50 non-refundable set-up fee per person, so for a 65-year-old, the initial payment is $321.56 and subsequent monthly payments are $135.78. Monthly payments begin 30 days after the effective date, unlike most other plans where payments begin on day one. The policy is valid for up to two years which is a useful feature for Super Visa holders who may extend their stay beyond the first year. Early return fee: $50. Cancellation fee: $250. Not available to residents of Quebec, Yukon, or Newfoundland and Labrador. No medical questionnaire required for this plan.

RIMI Secure Travel's monthly plan has the highest set-up fee of the five options - $120 non-refundable per policy - but its monthly rate is competitive. For a 65-year-old, the initial premium is $390.10 (two months plus the $120 fee) and ongoing monthly payments are $135.05. Monthly payments begin on the effective date. Notably, RIMI's monthly Super Visa plan includes access to Maple virtual primary healthcare, making it one of the only plans besides BestQuote MedEC to offer this benefit. Early return fee: $50. Cancellation fee: $150. Not available in QC, YT, or NL.

Destination Canada's monthly plan has a unique pricing structure: the initial payment covers two months' premium plus a $10 surcharge, and an additional $10 monthly fee is added to every subsequent monthly payment throughout the policy year. For a 65-year-old, the initial premium is $356.75 and the monthly rate is $183.38 (which includes the $10 ongoing fee). Monthly payments begin on the effective date. Instant processing is available - policy documents are generated immediately upon purchase. Early return fee: $25. Cancellation fee: $150. Not available in QC, YT, or NL.

Travelance's monthly payment plan has a $100 non-refundable set-up fee per policy. For a 65-year-old, the initial premium is $432.76 and the monthly rate is $166.38. Monthly payments begin on the effective date. Important: Travelance requires completion of a medical questionnaire (Answer Medical) before the policy is issued - this applies to both no pre-existing conditions and stable pre-existing conditions monthly plans. An 18-month policy option is also available through Travelance for families who need extended coverage - call BestQuote at 1-888-888-0510 for details. Early return fee: $50. Cancellation fee: $250. Not available in QC, YT, or NL.

21st Century's monthly plan has a $50 non-refundable set-up fee per policy. For a 65-year-old, the initial premium is $351.13 and the monthly rate is $150.56. Monthly payments begin on the effective date. There are three things to note about 21st Century's monthly plan specifically: the third monthly payment is due before your parent arrives in Canada (not after); a signed credit card form is required as part of the application process; and the policy cannot be cancelled without a visa denial letter - this is an important distinction from other plans, which allow cancellation with a standard refund request. A two-year policy option is also available. Early return fee: $25. Not available in QC, YT, or NL.

There is no single right answer - the best payment structure depends on your family's cash flow, risk tolerance, and how long your parent or grandparent plans to stay in Canada.

Monthly payment Super Visa insurance costs slightly more in total than paying the full annual premium upfront - the difference is the initial set-up fee and any monthly admin charges. For most families, the difference is modest. If spreading the cost makes the difference between buying coverage now versus delaying, monthly payment is the right choice.

Getting a monthly payment Super Visa insurance quote takes less than two minutes:

1. Go to the quote tool on BestQuote's Super Visa insurance page, or use the quote widget at the top of this page.

2. Under Insurance Type, select Super Visa.

3. Under Category, change the dropdown from 'Annual Payment (emergency medical)' to 'Monthly Payments (emergency medical)'.

4. Enter your parent or grandparent's arrival date, return date (or estimated return date), and date of birth. Select Canada as the destination.

5. Click Get Quote. All plans that offer monthly payment for your parent's profile will appear in the results, showing the initial premium and the monthly rate. Click Info on any plan to expand the full payment breakdown.

6. Review the results, compare plans, and complete any required medical information. Purchase securely online - your policy documents will be emailed immediately.