Bringing your parents or grandparents to Canada on a super visa is a beautiful gesture, but one that comes with a key requirement: securing the right insurance. Super visa insurance monthly plan options now offer flexibility, affordability, and peace of mind—especially for families who don’t want to pay an entire year’s premium upfront. In 2026, with updated Immigration, Refugees and Citizenship Canada (IRCC) rules and more providers offering tailored plans, comparing the best policies is essential. Below, let’s explore the top five plans available in the market, why they stand out, and what you need to watch out for.
1) Manulife / Major Canadian Insurer Standard Plan
This plan meets IRCC’s requirement of at least CAD 100,000 coverage for one year and covers emergency hospitalization, ambulance, and repatriation. Many versions allow you to transition to a Super visa insurance monthly plan, breaking down premium costs into smaller monthly payments. Because this is under a top-tier insurer, you also get 24/7 claims support, making it ideal for families who want full coverage with renowned service.
2) TuGo / Visitor to Canada Insurance – Enhanced Option
TuGo’s offering goes beyond the minimum requirement, often covering CAD 150,000 or more, with favourable terms for pre-existing conditions if declared and stable. They also provide Super visa insurance monthly plan options so you can spread the cost over the stay. For parents or grandparents with controlled medical conditions, this enhanced option adds a layer of confidence and simplifies budgeting.
3) Blue Cross / Visitor to Canada – Monthly Payment Friendly
Blue Cross has gained popularity for its user-friendly interface and monthly payment flexibility. Their plan is explicitly designed to work with super visa applicants who prefer monthly installments rather than lump-sum payments—esteemed as one of the easier entry points for families juggling finances. This type of Super visa insurance monthly plan allows you to budget better while still securing the required coverage for IRCC compliance.
4) Family Care / Custom Broker-Driven Policies
A broker-based provider like Family Care offers more tailored serious coverage including higher limits, discounts for prepaid annual plans, or full monthly plans split into installments. They often include features like early cancellation refunds if your guests leave early, or visa denial protection. These are great examples of how you can personalise your coverage while satisfying the super visa requirement. Their monthly options make them a strong contender among families seeking flexibility.
5) Insure In Canada / Multi-Carrier Comparison Tool
Instead of a single insurer, this platform lets you compare multiple providers’ policies side by side, with Super visa insurance monthly plan options clearly displayed. You shop coverage levels, age bands, deductibles, and monthly versus annual payment options in one place. This comparison-shop approach can help you find a plan that balances cost, coverage, and terms, especially helpful if you’re navigating multiple parent or grandparent visits within one household.
Key Considerations (What to Check Before Buying)
- Coverage minimum: IRCC still expects at least CAD 100,000 in emergency medical insurance for each entry.
- Duration: Your plan must be valid for at least one year from the date of entry.
- Monthly payment option: Monthly instalments can make budgets easier while maintaining compliance. Survey providers to see how monthly plans work.
- Pre-existing conditions: If your parent has a chronic illness, you’ll want a plan that accommodates or offers coverage for “stable period” conditions.
- Refund & cancellation terms: If plans are declined or visitors leave early, some insurers offer prorated refunds—worth checking.
- Provider eligibility: As of January 2025, non-Canadian insurers may now issue valid coverage if authorised.
- Payment schedule vs lump sum: A Super visa insurance monthly plan helps by spreading cost but ensuring the provider allows it from day one.
2026 Update: What Has Changed?
In recent years, there have been noteworthy policy updates. For instance, Canada has modified its rule so that super visa applicants can now obtain insurance from foreign companies—not strictly Canadian ones—provided they meet regulatory criteria. Also, more insurers now prominently offer monthly payment plans, making access easier for families who may not be comfortable paying a full year’s premium in one go. You’ll find the phrase “monthly payment” showing up more often in quote portals. This evolution means your parent’s stay can start with immediate coverage while your budget spreads out.
Final Thoughts
When sponsoring your parents or grandparents to come to Canada under the super visa program, the right insurance is non-negotiable. The easiest way to stay financially and legally safe is to choose a plan that fulfills IRCC requirements, offers flexibility (especially if you choose monthly payments), and suits your loved one’s health profile.
If you’re ready to bring them to Canada, take a moment to compare providers, request quotes, ask about Super visa insurance monthly plan options, and ensure you meet coverage minimums. With the right plan selected, you’ll not only comply with immigration rules but also provide true peace of mind for the people you care about most.
If you are preparing to welcome your parents or grandparents to Canada, now is the time to get a quote from a trusted provider, such as Parent Super Visa Insurance. compare your options, and secure the most suitable super visa insurance monthly plan—because their comfort, your compliance, and your peace of mind all matter.
