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Simmi Immigration
Super Visa Insurance

Monthly paymentSuper Visa insurance.

Understand instalment plans, deposits, policy validity, and the questions every family should ask before choosing monthly payments.

Reviewing a Super Visa insurance policy document
Instalments OK
With a deposit, where the policy qualifies
Policy, not a quote
A quote is never accepted
$100,000
Minimum emergency coverage
1 year
Minimum validity from entry

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Overview

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.

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 the evidence required for any refund request.

The detail

What you need to know

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, with proof available at each entry.

Questions to ask before choosing monthly

  • Can missed payments suspend or cancel coverage?
  • Is the complete policy issued immediately?
  • Are instalment fees refundable after a refusal?
  • Can the effective date be changed before travel?
  • What happens if a claim occurs before all payments are made?

Common mistakes

  • Submitting a quote instead of an issued policy.
  • Assuming "monthly" means no deposit.
  • Missing a payment mid-stay.
  • Overlooking financing charges in the total cost.
  • Failing to renew coverage during a long stay.

How we help

We review whether the insurance documents align with the Super Visa application itself. This page is general information and does not replace the insurer’s policy wording.

Step by step

How the process works

  1. 1

    Confirm requirements

    Check duration, coverage and insurer eligibility.

  2. 2

    Compare plans

    Weigh deposit, instalments and total cost.

  3. 3

    Read the terms

    Missed payments, refunds, effective dates.

  4. 4

    Issue the policy

    Obtain the actual policy, not a quote.

  5. 5

    File with the application

    Attach proof of coverage.

  6. 6

    Maintain coverage

    Renew before it lapses during the stay.

Next step

Get your insurance documents reviewed

Insurance is one of the most common Super Visa failure points. We check that the policy actually satisfies IRCC before the application goes in.

This page provides general information and is not legal advice. Program rules change and individual circumstances matter. Confirm current IRCC requirements before applying.

Super Visa

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We confirm eligibility, flag the risks, and build the document plan before anything is filed.

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