The Canadian Super Visa allows parents and grandparents to visit their families for extended periods, but a key requirement of this visa is having valid health insurance. While many opt for annual plans, Super Visa Insurance Monthly Plans offer a flexible, budget-friendly alternative, making it easier for families to manage costs.
In this guide, we’ll explore what these monthly plans entail, their advantages, and how they help visitors enjoy their time in Canada worry-free.
What Are Super Visa Insurance Monthly Plans?
Super Visa Insurance Monthly Plans are installment-based health insurance policies designed for visitors under the Super Visa program. Unlike annual plans that require upfront payment, monthly plans spread the cost over several months, easing the financial burden.
These plans meet all the requirements set by Immigration, Refugees, and Citizenship Canada (IRCC), which include:
- A minimum of CAD 100,000 in health coverage.
- Coverage for medical emergencies, hospitalization, and repatriation.
- A policy valid for at least one year.
Why Choose a Monthly Plan for Parent Super Visa Insurance?
Opting for a Super Visa Insurance Monthly Plan offers several benefits:
1. Affordable Payment Structure
Monthly plans allow families to spread the cost over time, making high premiums more manageable.
2. Financial Flexibility
Instead of paying CAD 1,000–5,000 upfront, families can budget smaller monthly payments.
3. Comprehensive Coverage
These plans provide the same level of coverage as annual policies, ensuring your loved ones are protected.
4. Refund Options
Most insurers allow refunds for unused months if the visitor returns home early.
5. Visa Compliance
Monthly plans fully comply with Super Visa requirements, ensuring smooth application approval.
How Much Do Monthly Plans Cost?
The cost of a Super Visa Insurance Monthly Plan depends on various factors, such as age, coverage amount, and pre-existing conditions. Here’s an approximate breakdown for 2025:
| Age Group | Coverage Amount | Monthly Premium |
| Under 60 | CAD 100,000 | CAD 70–100 |
| 60–69 | CAD 100,000 | CAD 100–200 |
| 70+ | CAD 100,000 | CAD 200–350 |
| Under 60 | CAD 150,000 | CAD 90–130 |
| 60–69 | CAD 150,000 | CAD 130–250 |
| 70+ | CAD 150,000 | CAD 250–400 |
Note: These costs are estimates and may vary based on the insurance provider and additional features.
Key Factors That Influence Monthly Premiums
1. Age of the Insured
Premiums increase with age due to higher health risks. Seniors above 70 often face the highest costs.
2. Pre-Existing Conditions
Coverage for pre-existing conditions adds to the premium. Policies typically require a stability period of 90–180 days.
3. Coverage Amount
Higher coverage limits, such as CAD 150,000 or CAD 200,000, lead to higher premiums.
4. Duration of Stay
The length of the policy affects the overall cost, with shorter stays requiring lower total payments.
5. Deductibles
Selecting a higher deductible reduces monthly premiums but increases out-of-pocket costs during claims.
What Does a Monthly Super Visa Insurance Plan Cover?
Monthly plans offer comprehensive coverage that meets Super Visa requirements, including:
1. Emergency Medical Expenses
Covers doctor visits, diagnostic tests, and treatments for unexpected health issues.
2. Hospitalization
Includes hospital stays, surgeries, and intensive care unit (ICU) costs.
3. Repatriation
Covers the cost of returning the insured to their home country for medical reasons or in case of death.
4. Prescription Medications
Provides coverage for medications prescribed during a covered emergency.
5. Dental Emergencies
Covers dental treatments resulting from accidents or sudden issues.
Advantages of Monthly Plans vs. Annual Plans
| Feature | Monthly Plans | Annual Plans |
| Upfront Payment | Low monthly payments | High one-time payment |
| Budget Flexibility | Suitable for tight budgets | Requires advance financial planning |
| Refund Options | Refunds available for unused months | Refunds may be more complex |
| Total Cost | May be slightly higher overall | Slightly lower due to lump sum payment |
Top Providers Offering Monthly Plans
Here are some trusted insurance providers offering Super Visa Insurance Monthly Plans in 2025:
1. Allianz Global Assistance
- Coverage: CAD 100,000 to CAD 1 million.
- Features: Flexible payment options, coverage for pre-existing conditions.
- Monthly Premiums: CAD 80–350.
2. Manulife Financial
- Coverage: CAD 100,000 minimum.
- Features: Add-ons for dental care, pre-existing conditions, and family plans.
- Monthly Premiums: CAD 90–400.
3. GMS (Group Medical Services)
- Coverage: CAD 100,000 to CAD 500,000.
- Features: Affordable monthly rates, no hidden fees.
- Monthly Premiums: CAD 75–300.
4. Sun Life Financial
- Coverage: CAD 100,000 minimum.
- Features: Emergency travel assistance, dental add-ons.
- Monthly Premiums: CAD 85–320.
How to Choose the Right Monthly Plan
Choosing the right monthly plan depends on your family’s unique needs. Consider these factors:
1. Coverage Requirements
Ensure the plan meets the minimum CAD 100,000 coverage required by IRCC.
2. Budget
Calculate how much you can comfortably afford as a monthly premium.
3. Pre-Existing Conditions
If applicable, opt for a policy that includes coverage for pre-existing conditions.
4. Refund Policies
Choose a provider that offers flexible refunds for unused coverage.
5. Customer Reviews
Research the insurer’s reputation for customer service and claims processing.
Tips for Reducing Monthly Costs
1. Compare Multiple Providers
Use comparison websites to evaluate premiums, deductibles, and features.
2. Opt for a Higher Deductible
Choosing a higher deductible can significantly lower monthly premiums.
3. Start Early
Purchase the policy well in advance to lock in lower rates.
4. Family Discounts
Look for insurers offering discounts for multi-person plans.
Common Questions About Monthly Super Visa Insurance
1. Can I cancel the policy if my parent leaves Canada early?
Yes, most insurers provide refunds for unused months if your parent or grandparent returns home before the policy expires.
2. Are monthly plans more expensive than annual plans?
Monthly plans may have slightly higher overall costs due to administrative fees, but they offer greater flexibility.
3. Does a monthly plan meet Super Visa requirements?
Yes, as long as the policy provides the required coverage and is valid for one year.
4. Can I switch to another plan mid-year?
Switching is possible but may involve cancellation fees or coverage gaps.
Conclusion
Super Visa Insurance Monthly Plans provide a flexible, budget-friendly option for families seeking health coverage for visiting parents and grandparents. By spreading the cost over time, these plans make it easier to comply with parent super visa insurance requirements while ensuring peace of mind for both visitors and their families.
Start exploring monthly plans today to make your loved ones’ visit to Canada safe, stress-free, and financially manageable.