How to Get a Monthly Super Visa Insurance Plan: A Step-by-Step Guide for Parents & Grandparents

Bringing your parents or grandparents to Canada on a Super Visa is a dream for many families. One of the key requirements of the program is medical insurance, which can sometimes feel overwhelming due to its cost. Traditionally, applicants had to pay for an entire year of coverage upfront, which could be thousands of dollars. Today, however, many providers offer flexible Super Visa insurance monthly plan, making it easier for families to manage expenses while still meeting Immigration, Refugees and Citizenship Canada (IRCC) requirements.

This guide will walk you through everything you need to know about monthly plans, including how they work, what affects Super Visa insurance rates, and the step-by-step process for purchasing the right coverage.

What Is a Monthly Super Visa Insurance Plan?

A monthly Super Visa insurance plan allows applicants to pay for their insurance in installments instead of one large upfront payment. The insurance policy still provides the full year of coverage that IRCC requires, but the cost is spread out over smaller monthly payments.

For example, instead of paying $2,500 upfront for an annual policy, a monthly plan may allow you to pay around $200–$250 per month, depending on the applicant’s age, health, and chosen coverage.

This option has become increasingly popular among families who prefer more flexible financial planning.

Why Choose a Monthly Super Visa Insurance Plan?

Here are some of the top reasons why families prefer the monthly option:

1. Affordability – Paying smaller amounts over time reduces the financial burden compared to a lump-sum payment.
   
   

2. Cash Flow Management – Families can balance other expenses like travel costs, settlement expenses, and daily living costs.
   
   

3. Access to Coverage – Monthly plans allow more families to meet Super Visa requirements without delaying applications due to budget concerns.
   
   

4. Refund Flexibility – If the visa is denied or parents return home earlier, some insurers offer partial refunds or stop future monthly charges.
   
   

Factors That Affect Monthly Super Visa Insurance Rates

Even though you’re paying monthly, the overall super visa insurance rates are influenced by the same factors as annual plans. Here’s what determines your final cost:

1. Age of the Applicant

Older parents or grandparents generally face higher rates. For example, someone over 70 may pay significantly more per month compared to someone under 60.

2. Medical History

Applicants with stable pre-existing conditions (like controlled blood pressure or diabetes) may still be covered, but the rates will be higher. If the condition is unstable, it may be excluded.

3. Coverage Amount

The IRCC requires a minimum of CAD $100,000 in medical coverage, but families can choose higher amounts such as $150,000 or $200,000. More coverage leads to higher monthly premiums.

4. Deductibles

Choosing a higher deductible (the amount you pay out of pocket in case of a claim) can significantly lower monthly costs.

5. Insurance Provider

Different insurers calculate risk differently. Some offer better rates for seniors, while others may focus on flexible payment structures.

Step-by-Step Guide to Getting a Monthly Super Visa Insurance Plan

Here’s a clear process to help you secure the right policy for your parents or grandparents:

Step 1: Research and Compare Providers

Start by searching for insurance companies that specifically offer Super Visa insurance monthly plans. Not all providers provide this option, so confirm before requesting a quote. Use comparison tools or work with a licensed broker to view multiple quotes at once.

Step 2: Request Customized Quotes

Provide details such as age, health conditions, travel dates, and coverage preferences. This will give you accurate monthly rate estimates.

Step 3: Decide on Coverage Limits

Choose at least CAD $100,000 in medical coverage to meet IRCC’s requirements. Families who want more peace of mind may opt for $150,000 or higher.

Step 4: Choose a Deductible

Decide whether to lower your monthly payment by choosing a higher deductible. For example, a $1,000 deductible plan will usually cost less per month compared to a zero-deductible plan.

Step 5: Review Policy Details Carefully

Make sure the plan covers hospitalization, emergency medical care, repatriation, and—if needed—pre-existing medical conditions. Check the stability period for conditions (often 90–180 days).

Step 6: Confirm Payment Structure

Understand how the monthly payments will be collected. Some insurers may require the first and last month’s payment upfront, while others may add small administrative fees.

Step 7: Purchase and Get Proof of Insurance

Once you’ve chosen a plan, complete the application and make the first payment. You’ll receive an insurance certificate, which must be included with your Super Visa application to IRCC.

Average Monthly Super Visa Insurance Rates

While exact costs vary, here’s a general breakdown of what you can expect in 2025:

• Applicants under 55: Around CAD $90–$150 per month.
  
  

• Applicants between 60–69: Roughly CAD $120–$200 per month.
  
  

• Applicants between 70–79: Around CAD $200–$350 per month.
  
  

• Applicants 80 and above: CAD $400+ per month.
  
  

Keep in mind that rates increase with age and additional coverage options.

Pros and Cons of Monthly Super Visa Insurance Plans

Like any financial product, monthly plans come with both benefits and drawbacks.

Pros:

• Easier on your budget.
  
  

• Flexibility in managing cash flow.
  
  

• Some insurers allow cancellation with partial refunds.
  
  

Cons:

• Total cost may be slightly higher compared to paying annually due to administrative fees.
  
  

• Some providers require a deposit or lump sum for the first few months.
  
  

• Not every insurer offers the monthly option.
  
  

Tips for Saving on Monthly Super Visa Insurance

• Compare multiple insurers before committing.
  
  

• Opt for a higher deductible if comfortable.
  
  

• Avoid unnecessary extras—stick to IRCC’s minimum if cost is your priority.
  
  

• Consider early purchase to avoid last-minute rate increases.
  
  

• Ask about discounts for couples or multiple applicants.
  
  

Final Thoughts

Getting your parents or grandparents covered under a Super Visa insurance monthly plan is one of the best ways to balance affordability and compliance. By spreading costs into smaller payments, you can ease financial stress while ensuring your loved ones are fully protected during their stay in Canada.

When comparing super visa insurance rates, always look beyond just the price. Focus on coverage details, deductibles, and whether pre-existing conditions are included. With careful planning and comparison, you can secure a plan that meets IRCC requirements, provides peace of mind, and fits comfortably into your family’s budget.