Super Visa Quote21st Century Monthly Super Visa Insurance
Compare 21st Century monthly Super Visa insurance for parents and grandparents, including payment structure, coverage limits, deposits, policy fees, and pre-existing condition cautions.
Important insurance note
21st Century plan details, deposits, fees, monthly rules, and wording can change. This page is educational only. Confirm current terms with a licensed advisor before purchase.
Does 21st Century offer monthly Super Visa insurance?
21st Century's Visitors to Canada plans — underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company — offer a Monthly Payment Plan on the Standard and Enhanced tiers. To qualify, the policy generally needs at least 365 days of coverage and at least $100,000 in aggregate coverage.
The monthly plan runs on a two-year (730-day) term, with benefit limits and the deductible reinstated on day 366. Setup involves a two-month deposit plus a third month due at activation, then monthly instalments, plus a one-time $50 non-refundable policy fee. If a payment is missed, there is a 30-day grace period before the policy terminates with no reinstatement. Confirm current terms with your advisor.
21st Century monthly plan at a glance
- Underwriter: The Manufacturers Life Insurance Company (Manulife) + First North American
- Monthly eligibility: Standard/Enhanced, 365+ days and $100,000+ aggregate
- Deposit: 2-month deposit + 3rd month at activation, then monthly
- Policy fee: $50 non-refundable
- Term: Up to 2 years (benefits reinstated on day 366)
- Missed payment: 30-day grace period, then terminates (no reinstatement)
What is specific to 21st Century's monthly setup
The monthly plan is more structured than most: a two-month deposit plus a third month at activation before monthly billing begins, a $50 non-refundable policy fee, and a two-year term on which benefit limits and the deductible reset on day 366. Add the deposit, fee, and full instalment schedule together when comparing against a single annual payment.
Monthly billing is only on Standard and Enhanced — the Basic tier is not eligible. The 365-day and $100,000 minimums must be met to enrol.
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Pre-existing conditions and monthly plans
On 21st Century, the Basic and Standard tiers do not cover pre-existing conditions; only Enhanced offers a possible stability-based review (a 180-day test), and access depends on the applicant's age — applicants 60 to 85 must complete a Medical Declaration, where a single qualifying answer can revert them to Standard-level (no pre-existing) treatment.
Choose the tier for the parent's medical history first; the monthly schedule is secondary. Confirm the tier, the Medical Declaration outcome, and current monthly terms with your advisor before purchase.
FAQs
Is 21st Century's monthly Super Visa plan available for parents?
Yes, on the Standard and Enhanced tiers — it requires at least 365 days of coverage and at least $100,000 in aggregate coverage. It runs on a two-year (730-day) term with benefits reinstated on day 366. Confirm current terms with your advisor.
Does 21st Century's monthly plan require a deposit?
Yes — a two-month deposit upfront plus a third month due at activation, then monthly billing begins. A one-time $50 non-refundable policy fee also applies.
What happens if I miss a monthly payment?
There is a 30-day grace period before the policy terminates, and 21st Century does not reinstate a terminated monthly policy. Keep payments current and confirm the rules with your advisor.
Does 21st Century's monthly plan cover pre-existing conditions?
Only potentially, and only on Enhanced via a 180-day stability test — access depends on age and a Medical Declaration. Basic and Standard exclude pre-existing conditions. Confirm your parent's situation with your advisor.
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Get a Free Super Visa Insurance Quote
Compare plans that meet IRCC requirements from multiple Canadian insurers. A licensed advisor can help you review coverage amount, deductible, monthly payments, and pre-existing condition options.