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.
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Compare my optionsTruStone 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.
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.
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Premium · Deductible · Payment choice
Medical wording · Documentation needs
Get local guidanceFAQs
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.
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