Host income calculation changes
IRCC permits alternative ways for eligible hosts to prove income, including one of two tax years or, under conditions, visiting parents' income.
Read 2026 update →Super Visa insurance · Monthly payment options
Bring your parents closer. Pay with clarity.
Compare real Super Visa medical insurance options for parents and grandparents visiting Canada. Understand deposits, monthly instalments, medical coverage and the 2026 IRCC rules before you buy.
✓ $100,000+ emergency coverage✓ One-year eligible policy term✓ Monthly options where available
How the payment arrangement works
01Choose policy1-year insurance
→02Pay depositPer insurer terms
→03Stay coveredPay instalments
Illustrative billing steps—not a quote, rate or guarantee of coverage.
INSURANCE QUOTES CLOUD · YOURQUOTEActual provider rates
Compare Super Visa insurance
Enter your parent’s details to view available plans. Monthly-payment terms vary by insurer and policy.
IRCC requires issued eligible coverage, not just a quote. Understand the deposit and instalments. If the live form does not load, call 647-640-2222.
At least $100,000Emergency medical coverage required by IRCC
At least 1 yearEligible insurance validity from entry
Pay in instalmentsWith a deposit, subject to insurer terms
Choose by your real needs
Not every low monthly number is the right policy.
Compare the total premium and contract terms—not just the instalment amount. The best fit depends on the parent’s age, medical condition, deductible, coverage limit, and the insurer’s billing rules.
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Monthly payment plans
How deposits, instalments, policy validity, and potential non-payment consequences work under different insurers.
Explore monthly plans →$
Compare total costs
Understand which factors impact prices for ages 60, 65, 70, 75 and beyond, without guessing live premiums.
See pricing guide →✚
Medical-condition options
What “stable” pre-existing conditions actually mean and why an inexpensive quote can still exclude important risks.
Read medical guide →Monthly doesn't mean short term
A year of protection. A clearer way to budget.
IRCC accepts qualifying health insurance that is paid in full or in instalments with a deposit. Some insurers may provide eligible payment plans. The policy still needs to satisfy the one-year minimum and all other requirements.
A monthly plan can be convenient, but only when you understand the deposit, remaining instalments, possible fees and rules if a payment is missed.
Deposit & payment details →Understand your policy billing Illustration only
Policy issued
CoverageOne-year eligible coverage certificate
Initial deposit
InitialAmount varies by insurance provider
Scheduled instalments
OngoingPayment timing and count vary
Claims & cancellation terms
CheckReview the actual insurer policy wording
This chart does not imply a specific carrier payment schedule or interest rate.
The insurance buying journey
Four steps. No confusion.
01
Enter parent details
Choose age, arrival date and the requested coverage limit for a single parent or a couple.
02
Compare actual quotes
Review eligible policies from the integrated quotation provider; look beyond the lowest visible rate.
03
Confirm payment terms
Check deposit, number of instalments, full-term cost, missed-payment rules and cancellation conditions.
Step 4 — Buy the issued policy and keep documents
The final contract and its proof of payment—not an online price estimate—are what matter for IRCC documentation.
Good advice means understanding the policy, not just its price.
Advisor-led insurance guidance
Meet Pankaj Bhatia.
With 11 years of Canadian financial-services experience, Pankaj Bhatia helps clients compare Super Visa and Visitors to Canada emergency medical insurance through Insure In Canada Inc. His work includes interpreting deductible options, medical-condition wording and insurer payment arrangements.
The domain is a specialized information and comparison site—not a government website or an immigration-law practice.
Updated information
Important Canadian Super Visa developments.
Source-linked updates, separated from carrier marketing.
Eligible foreign insurers recognized
Some non-Canadian insurers are eligible if they meet specific OSFI-related requirements. Not all foreign policies qualify.
Check insurer rules →IRCC insurance document checklist
Review coverage, term, deposit, insurer identity, certificate and repatriation requirements before applying.
Review checklist →Explore by situation
Insurance guides that answer real questions.
One parent
Choose insurance for one parent with the right coverage and medical profile.
Read the guide →Both parents
Compare plans for two parents, ages and separate medical histories.
Read the guide →Super Visa refunds
Understand visa refusal, cancellation and early-return refund provisions.
Read the guide →Parents aged 70+
Practical questions for older applicants and pre-existing conditions.
Read the guide →Super Visa vs visitor
Know when the Super Visa medical requirements apply.
Read the guide →Latest FAQs
Read detailed answers about costs, instalments and insurer differences.
Read the guide →Answers that help you decide
Frequently asked questions
Real questions about monthly payments, eligibility, claims and travel. Every policy has its own wording.
Can Super Visa insurance be paid monthly?
Yes, some eligible policies offer instalment billing when an initial deposit is paid. The full required insurance term still needs to be covered. The insurer’s issued policy must show valid coverage and acceptable payment arrangements under IRCC rules.
Does monthly Super Visa insurance mean I only need one month of coverage?
No. A Super Visa insurance policy generally must be valid for at least one year from the date of entry, even if the premium is collected in instalments. A one-month policy alone is not equivalent.
Is a quote enough for a Super Visa application?
No. IRCC requires proof of an actual health insurance policy. A price estimate or unissued quotation does not satisfy the insurance-document requirement.
How much insurance coverage does IRCC require?
At least CAD $100,000 in emergency medical coverage, with qualifying benefits for health care, hospitalization and repatriation. Consider higher limits where appropriate.
Can a policy come from an insurer outside Canada?
In certain circumstances, yes. An eligible foreign insurer must meet the applicable OSFI authorization and issuance criteria. Not every overseas travel insurance policy qualifies.
Are monthly plans more expensive overall?
They can have different total costs, service fees, deposit terms or administration charges. Compare the full cost of the issued policy, not only the stated monthly instalment.
What if I miss an instalment?
The insurer may suspend or cancel coverage under its contract, creating a serious compliance and medical-cost risk. Verify payment reminders, grace periods, and coverage status directly with the issuer.
Can my parents receive refunds after a Super Visa refusal?
Many insurers have visa-refusal cancellation procedures, but documentation, administration charges and refundable amounts differ. No refund amount is guaranteed without the contract details.
Do diabetes or high blood pressure automatically make a parent ineligible?
Not necessarily. Coverage depends on age, medical history, medication changes, insurer definitions of stability and policy exclusions. Review the exact medical questionnaire and wording.
Does the Super Visa allow a five-year stay?
Generally, Super Visa holders can stay up to five years per visit, subject to border decisions and individual circumstances. The visa itself may be valid for multiple entries for up to ten years.
Questions before you buy?
Compare confidently.
We can help explain the difference between the monthly payment amount, the annual contract and the actual insurance benefits.