Does IRCC Accept Monthly Payments?
IRCC permits a qualifying Super Visa policy to be paid in full or through instalments with a deposit. A quote alone is not accepted. The applicant must have proof of an issued policy that meets every Super Visa insurance requirement.
How Instalment Plans Work
The insurer or payment provider may collect an initial deposit followed by scheduled payments. Before agreeing, confirm the total premium, financing or administration charges, payment dates, accepted payment methods, and what happens after a missed payment.
What the Policy Must Still Provide
- At least one year of validity from entry.
- At least CAD $100,000 in emergency coverage.
- Health care, hospitalization, and repatriation benefits.
- An eligible insurer and proof available at each entry.
Questions to Ask Before Choosing Monthly Payments
- Can missed payments suspend or cancel coverage?
- Is the complete policy issued immediately?
- Are instalment fees refundable after refusal?
- Can the effective date be changed before travel?
- What happens if a claim occurs before all payments are made?
Refunds and Cancellations
Refund rules depend on the policy. Visa refusal, cancellation before departure, early return, and claims can each produce a different result. Read the actual cancellation terms and keep evidence required for any refund request.
Common Mistakes
Common problems include submitting a quote instead of a policy, assuming “monthly” means no deposit, missing a payment, overlooking financing charges, and failing to renew coverage during a long stay.
Get Application Guidance
Simmi Immigration can review whether the insurance documents align with the Super Visa application. This page is general information and does not replace an insurer’s policy wording.
Complete the Intake Form