Super Visa QuoteTruStone Monthly Super Visa Insurance for Parents Visiting Canada
Compare TruStone monthly Super Visa insurance for parents and grandparents, including payment structure, deductibles, coverage choices, and pre-existing condition review.
- Monthly payment planning guidance
- Coverage and deductible checklist
- Pre-existing condition caution points
- IRCC documentation reminders
Important insurance note
Insurance product details, pricing, eligibility rules, monthly payment availability, underwriting, refund conditions, and pre-existing condition wording can change. This page is educational only. Confirm current wording and compliance details with a licensed advisor before purchase.
Does TruStone offer monthly Super Visa insurance?
TruStone's HMC (Hospital Medical Care) plan, underwritten by The Empire Life Insurance Company, can be set up on a monthly payment schedule for families who prefer instalments over paying the full annual premium at once. Monthly payment can improve cash flow, but it does not change the underlying policy: the coverage still has to be valid for at least one year from entry and meet the IRCC Super Visa minimum.
TruStone's monthly schedule carries a one-time $50 setup fee, and a $25 fee applies if a scheduled instalment payment is declined. When comparing monthly to annual, add these fees to the total instalment cost rather than comparing the per-month amount to the annual premium alone. Confirm current fee amounts with your advisor before enrolling.
TruStone monthly plan at a glance
- Underwriter: The Empire Life Insurance Company
- Plan: Single HMC plan ($10,000–$200,000)
- Monthly setup fee: $50 (one-time)
- Declined instalment fee: $25
- Pre-existing option: Optional 365-day stability window
- Eligibility age: 15 days to under 90 years
What is specific to TruStone's monthly setup
Unlike some providers that require a multi-month deposit, TruStone's monthly setup centres on a flat $50 setup fee plus the per-instalment risk of a $25 declined-payment fee. Because TruStone offers a single HMC plan with a chosen coverage amount ($10,000 to $200,000) rather than tiers, the monthly comparison is mostly about the coverage amount, the optional 365-day pre-existing stability window, and the deductible you select.
If a parent has a longer-standing but stable condition, TruStone's optional 365-day stability window is the feature most worth confirming before enrolling monthly — it is one of the longest among the providers we work with.
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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.
Pre-existing conditions and monthly plans
Parents with diabetes, blood pressure history, heart history, cholesterol concerns, or prior surgeries should not select plans by monthly amount alone. With TruStone, coverage of a pre-existing condition depends on whether the optional 365-day stability window is selected and whether the condition meets that window.
Confirm the stability option, medical questionnaire requirements, and current monthly terms with your advisor before purchase.
FAQs
What fees apply to TruStone's monthly payment plan?
TruStone's HMC monthly payment schedule has a one-time $50 setup fee, and a $25 fee applies if a scheduled instalment payment is declined. Fees can change — confirm current amounts with your advisor before enrolling.
Is TruStone's monthly plan cheaper than paying annually?
Not necessarily. The monthly schedule adds a $50 setup fee and a $25 fee on any declined instalment. When comparing, add these fees to the total instalment cost rather than comparing the per-month amount to the annual premium alone.
Is TruStone monthly Super Visa insurance accepted for Super Visa applications?
A policy may be acceptable if it meets IRCC requirements for term, coverage amount, and proof of payment. Monthly payment does not change the one-year coverage requirement. Always confirm the exact certificate and wording before submission.
Does TruStone cover pre-existing conditions on a monthly plan?
It can, through TruStone's optional 365-day stability window, if the condition has been stable across that window. Confirm whether the option is selected and how the medical questionnaire applies before purchase.
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Related Insights and Guides
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.