Super Visa insurance monthly payment plans
You don't have to pay the full year upfront. Several carriers spread the cost over monthly instalments while keeping the policy fully IRCC-compliant. Here's how the plans work and what they cost.
Adjust the details below for an instant estimate of an IRCC-compliant policy — at least $100,000 coverage, valid for 365 days, covering healthcare, hospitalization, and repatriation.
$100,000 is the IRCC minimum. Brokers often suggest more for visitors over 65.
A higher deductible lowers the premium but raises your out-of-pocket cost.
These are estimates. A licensed broker confirms your exact, bindable premium after a quick medical questionnaire.
Lowest Rates Hub connects you with licensed insurance brokers across Canada. Quotes are provided by partner brokers and the carriers they represent; LRH does not bind coverage or hold an insurance licence. Estimates are not bound coverage and depend on the insurer's underwriting and the information disclosed. Privacy policy.
Quick answer
Yes — you can pay Super Visa insurance monthly. Manulife, Sun Life, GMS, and Tugo all offer monthly payment plans: you typically pay 1–3 months of premium as a down payment when the policy is issued, then the balance over 10–11 monthly instalments.
The policy still provides the full 365 days of $100,000-minimum coverage IRCC requires — only the payment is spread out, and the certificate you submit with the application shows the full coverage term. Monthly plans usually cost slightly more than paying the year upfront because carriers add a small administration or financing charge, typically in the region of 5%.
How monthly Super Visa plans work
You pay a down payment — usually 1–3 months of premium — when the policy is issued, then the remaining balance over 10–11 monthly instalments. The coverage is still the full 365-day, $100,000-minimum policy IRCC requires; only the payment is financed. Most carriers add a small administration charge for the convenience.
Which carriers offer monthly plans
- Manulife — monthly plans with a modest down payment and broad eligibility.
- Sun Life — instalments available across most age bands.
- GMS — competitive monthly pricing for healthy 55–69 visitors.
- Tugo — monthly option with clear cancellation terms.
Monthly vs upfront
Paying upfront is marginally cheaper (no financing charge) and simplest if a full refund-on-refusal clause is in place. Monthly plans help cash flow when insuring two grandparents at once. Either way, confirm the refund terms before you pay — see the cost guide for the per-month ranges by age and the full Super Visa guide for the refund-on-refusal rules.
Compare monthly Super Visa plans
See down payments and per-month costs from licensed brokers — free and private.
Lowest Rates Hub connects consumers with licensed insurance brokers across Canada. Quotes are provided by partner brokers and the carriers they represent; LRH does not bind coverage or hold an insurance licence. Estimates are not bound coverage. Final premiums depend on the insurer's underwriting and the information disclosed in the application. Policies underwritten by IDC Worldsource and partner insurers. Privacy policy.