Super Visa Insurance Monthly Plans: Affordable Coverage for Parents & Grandparents in Canada

Welcoming your parents or grandparents to Canada for an extended stay is a heartwarming experience. Thanks to Canada’s Super Visa program, families can reunite for up to two years at a time — but one of the key requirements of the program is purchasing valid medical insurance. That’s where a Super visa insurance monthly plan comes in — offering flexibility, affordability, and peace of mind for both sponsors and visitors.

In this guide, we’ll explore everything you need to know about monthly Super Visa insurance plans, how they compare to annual options, what affects Super visa insurance rates, and how to find the best coverage for your loved ones.

What Is a Super Visa Insurance Monthly Plan?

A Super visa insurance monthly plan allows you to pay the cost of your visitor’s health insurance in smaller, manageable payments rather than as a single lump sum. It’s a convenient and budget-friendly option for many families, especially when preparing for international travel and settlement expenses.

To be approved for a Super Visa, applicants must have:

• Medical insurance coverage of at least $100,000 CAD
  
  

• Coverage valid for a minimum of one year from a Canadian insurance company
  
  

• Proof of purchase or monthly payment agreement in place
  
  

Traditionally, many insurance providers required the full annual premium to be paid upfront. Today, several top Canadian insurers now offer monthly payment plans, making Super Visa insurance more accessible.

Benefits of Monthly Super Visa Insurance Plans

✅ Budget-Friendly

Instead of paying $1,800–$3,000 upfront, families can split the cost into 12 monthly payments, reducing the financial burden.

✅ Easier Approval Process

Many insurers only require the first month's payment upfront to issue a valid policy, which is sufficient for Super Visa application purposes.

✅ Flexibility

Some plans can be canceled (on a pro-rated basis) if the visa is denied or if your family member returns home earlier than expected.

✅ Peace of Mind

Knowing that your parents or grandparents are covered in the event of a medical emergency allows everyone to enjoy their time together in Canada worry-free.

Monthly Super Visa Insurance Rates: What to Expect

The Super visa insurance rates depend on several factors, such as the age of the visitor, medical history, deductible amount, and level of coverage.

Here’s a breakdown of estimated monthly premiums for a $100,000 policy with a $1,000 deductible:

These are estimated ranges. Actual premiums may vary depending on the provider, medical history, and specific policy terms.

Top Providers Offering Monthly Super Visa Insurance Plans

Several reputable Canadian insurance companies now offer flexible monthly options that meet Super Visa requirements:

1. Manulife

• Monthly Plan: Yes
  
  

• Features: Custom deductibles, COVID-19 coverage, cancellation options
  
  

• Starting Premium: ~$130/month for a 65-year-old
  
  

2. Travelance

• Monthly Plan: Yes
  
  

• Features: Pre-existing condition coverage, affordable options
  
  

• Starting Premium: ~$145/month for basic coverage
  
  

3. GMS (Group Medical Services)

• Monthly Plan: Yes
  
  

• Features: Digital claims, stable condition coverage, prorated refunds
  
  

• Starting Premium: ~$125/month
  
  

4. Allianz

• Monthly Plan: Limited availability (check broker networks)
  
  

• Features: Global support, emergency assistance services
  
  

• Starting Premium: ~$160/month
  
  

5. Blue Cross

• Monthly Plan: Yes, with annual contract
  
  

• Features: Widely recognized, excellent customer service
  
  

• Starting Premium: ~$140/month
  
  

Factors That Affect Super Visa Insurance Rates

Understanding what goes into calculating your Super visa insurance rates can help you make a better-informed decision.

✅ Age

Older applicants typically face higher premiums due to increased risk of medical complications.

✅ Pre-existing Conditions

Coverage for stable pre-existing conditions (e.g., high blood pressure, diabetes) can increase your premium by 15–35%.

✅ Deductibles

Choosing a higher deductible (the amount paid before insurance kicks in) lowers your monthly payment. Deductibles typically range from $0 to $10,000.

✅ Coverage Limits

Basic policies start at $100,000, but you can choose up to $300,000 or $1,000,000 for greater peace of mind. Higher coverage = higher premiums.

Tips for Choosing the Right Plan

If you’re shopping for a Super visa insurance monthly plan, here are a few expert tips: