Quick answer
Yes. IRCC accepts Super Visa insurance paid in full or in instalments with a deposit, so a monthly plan works if the insurer offers one. Monthly plans usually include a setup fee and specific cancellation rules, so compare the total cost — not just the monthly amount.
How monthly plans work
You pay a deposit, then monthly payments from a credit card or bank account for the length of the policy. The insurer issues a confirmation that shows the instalment arrangement, which is what IRCC needs.
What to compare
| Question | Why it matters |
|---|---|
| Is there a setup fee? | It's added to the total cost and is often non-refundable once the visa is issued |
| Is the setup fee refunded if the visa is refused? | Some insurers refund it only if you send the refusal letter before the start date |
| What happens on early cancellation? | Expect an early cancellation fee |
| What if a payment fails? | Missed payments can end the policy — keep the card up to date |
An example: Secure Travel (RIMI)
As of October 2026, RIMI's monthly plan has a $120 setup fee — refundable only if the Super Visa is declined and the refusal letter reaches the insurer before the effective date — plus a $50 early cancellation fee and a 10-day cooling-off period. 2 Visit Canada also offers a monthly plan with a $120 setup fee. Fees change, so we confirm them at the time you buy.
Is monthly right for you?
Monthly suits families who'd rather not pay a full year up front — especially for two parents at once. If paying in full is comfortable, it's usually slightly cheaper overall and simpler to manage.
Common questions
Does IRCC accept monthly Super Visa insurance?
Yes, as long as it's paid in instalments with a deposit and meets the other requirements.
Is monthly more expensive?
Usually slightly, because of setup or admin fees. The premium itself is often the same.
Can I switch from monthly to paying in full?
Sometimes. Ask the insurer — we can arrange it for you.
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Quotes are estimates based on each insurer's current rates. The insurer's policy wording and final rate always apply.