Monthly Super Visa Insurance — Frequently Asked Questions

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.

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.

No. IRCC requires proof of an actual health insurance policy. A price estimate or unissued quotation does not satisfy the insurance-document requirement.

At least CAD $100,000 in emergency medical coverage, with qualifying benefits for health care, hospitalization and repatriation. Consider higher limits where appropriate.

In certain circumstances, yes. An eligible foreign insurer must meet the applicable OSFI authorization and issuance criteria. Not every overseas travel insurance policy qualifies.

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.

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.

Many insurers have visa-refusal cancellation procedures, but documentation, administration charges and refundable amounts differ. No refund amount is guaranteed without the contract details.

Not necessarily. Coverage depends on age, medical history, medication changes, insurer definitions of stability and policy exclusions. Review the exact medical questionnaire and wording.

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.

Yes. Enter the relevant ages, medical details and dates for each parent. A couple quote may be presented together, but the covered lives, deductibles and terms need to be checked separately.

IRCC indicates Super Visa holders must have valid insurance at each entry and should renew coverage when it expires before their departure. Do not assume the original year automatically covers a multi-year stay.

Monthly billing and deductible are separate choices. A deductible is the amount the insured may pay toward an eligible claim under the contract; higher deductible options can change premiums.

They can have overlapping medical benefits, but a Super Visa application has specific immigration requirements such as a qualifying one-year policy and a minimum $100,000 emergency coverage amount.

Keep the issued insurer certificate showing the insured person, insurer, coverage amount, dates, one-year term, and proof the contract is paid in full or funded with the required deposit and instalments.

The live form uses Insurance Quotes Cloud / YourQuote. Insurers determine premiums and coverage. Pankaj Bhatia can explain plan differences; the final insurer-issued documents control the contract.