Health insurance glossary
Instalment payment (super visa insurance)
Plain-English definition
IRCC allows super visa medical insurance to be paid in full or in instalments with a deposit. Either way, the policy itself still has to meet the requirements: valid for at least one year from the date of entry, at least $100,000 of emergency coverage, and coverage for health care, hospitalization and repatriation. A quote alone does not satisfy the requirement.
By the HealthRate editorial desk
Where this applies: Super visa medical insurance requirement (federal).
How it works
IRCC's wording is that the policy can “be paid in full or in instalments with a deposit”. The application needs proof of an issued policy, not a quote.
Instalment terms are set by the insurer. Read what happens if a payment is missed, and whether a refund or cancellation affects coverage while the visitor is in Canada.
Proof of insurance is needed on each entry to Canada, and IRCC says a policy that expires before you leave should be renewed to keep coverage for the whole stay.
Why it matters
Paying monthly can make the upfront cost easier, but a missed payment on a policy that lapses can leave a visitor uninsured. The payment plan is worth reading as closely as the coverage.