Paying for Super Visa insurance in monthly instalments is now accepted by the IRCC and BestQuote offers monthly payment plans through five of Canada's top Super Visa insurers. This page explains how monthly payment Super Visa insurance works, which plans offer it, how the initial premium and monthly rate are calculated, and how to get a quote in under two minutes. If your family is managing multiple expenses and a large upfront insurance premium is a barrier, a monthly payment plan lets you spread the cost while still meeting all IRCC requirements for the Parent and Grandparent Super Visa.
What is Super Visa Insurance Monthly Payment Plans?
Super Visa insurance monthly payment plans 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
Note: IRCC accepts monthly payment plans as valid proof of Super Visa insurance - provided the initial deposit has been paid and the policy documents confirm coverage is in place. A quote or an unpaid premium confirmation is not accepted. Your policy documents from BestQuote will confirm your coverage is active.
How Does the Initial Premium Work?
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:
| Insurer / Plan | Initial Premium (Age 65) | Monthly rate (age 65) | Monthly Payments Begin | Set-up fee / notes |
|---|---|---|---|---|
BestQuote MedEC | Coming Soon! | Coming Soon! | Coming Soon! | The BestQuote MedEC Policy will offer monthly payments in the near future! |
TruStone (Hospital Medical Care) | $321.56 | $135.78 | 30 days after effective date. | $50 non-refundable per person |
RIMI Secure Travel | $390.10 | $135.05 | Effective Date | $50 non-refundable per person |
Destination Canada | $356.75 | $183.38 | Effective Date | $10 surcharge + $10/month ongoing fee |
Travelance Premier Plan | $432.76 | $166.38 | Effective Date | $100 non-refundable per policy. Medical questionnaire required. |
21st Century Basic Plan | $351.13 | $150.56 | Third monthly payment due before arrival in Canada. | $50 non-refundable per policy. 3rd payment due before arrival in Canada. |
21st Century Standard Plan | $490.43 | $220.22 | Third monthly payment due before arrival in Canada. | $50 non-refundable per policy. 3rd payment due before arrival in Canada. |
Note: Rates confirmed from BestQuote quote engine, May 2026. Sample profile: age 65, $100K coverage, $0 deductible, no pre-existing conditions, 365-day policy.
Which Super Visa Insurance Plans Offer Monthly Payment Plans in Canada?
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
BestQuote MedEC
The BestQuote MedEC policy does not currently offer monthly payments, however, this will be coming soon!
TruStone Health - Hospital Medical Care (Monthly)
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 (Monthly)
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 (Monthly)
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 Premier Plan (Monthly)
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 Basic Plan (Monthly)
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.
Monthly vs Annual Super Visa Insurance: Which Option is Right for Your Family?
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.
| Annual Payment (Pay In Full) | Monthly Payment Plan | |
|---|---|---|
Total cost | Lower - no set-up fee, no admin surcharge | Slightly higher - initial set-up fee plus monthly admin costs |
Upfront payment | Full annual premium required before coverage starts | Initial deposit only (typically 2 months + set-up fee) |
Refund if visa is refused | Full refund (policy not yet effective) - varies by insurer | Full refund of deposit if refused before effective date - verify with insurer |
Available insurers | 14 insurers available on BestQuote | 5 insurers: TruStone, RIMI, Destination Canada, Travelance, 21st Century |
Accepted by IRCC | Yes | Yes - provided initial deposit is paid and policy documents confirm coverage |
Best For | Families who can pay upfront and want the lowest total annual cost | Families managing cash flow who prefer smaller regular payments |
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.
How to Get a Monthly Payment Super Visa Insurance Quote
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.
BestQuote's quote engine and payment system work from anywhere in the world — including India, the Philippines, China, and other countries. There are no geographic restrictions on purchasing. Non-Canadian credit cards are accepted (NO AMEX for certain insurers). The site is available in English, French, Spanish, Korean, Japanese, and Mandarin.
Frequently Asked Questions
Find answers to the most commonly asked questions about our services.
Some plans allow monthly payments - please select “monthly payment” when getting a quote. Keep in mind that monthly payment plans usually include a set-up fee, while annual plans do not.
Yes, some Super Visa insurance policies cover pre-existing medical conditions, but only if the condition has been stable for a required period before travel. Stability periods vary by insurer, typically from 90 days up to 365 days, and eligibility is confirmed through medical questionnaires.
Yes, you must buy Super Visa insurance before applying. Proof of coverage is required to submit a Super Visa application.
Yes, you can usually get a refund on a Super Visa policy if your parents return home early and no claims have been made. Refunds are issued on a pro-rata basis, though most insurers charge a small administration fee.
Yes, if the Super Visa application is denied, all policies will allow you to apply for a refun, as long as you provide proof of visa refusal.
