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The Parent and Grandparent Super Visa allows eligible parents and grandparents of Canadian citizens and permanent residents to visit Canada. It is a visa which allows for extended stays (up to five years per entry under current rules) and is different to a standard visitor visa.
Medical insurance is part of the application process. You’ll need to show that you have the appropriate medical insurance from an eligible Canadian insurer or from another insurer approved under the current government rules.
Choosing the right policy is about more than just meeting the minimum level of cover. You need to take into account the visitor’s age, any pre-existing medical conditions, the deductible and what the policy actually covers.
At Covermyfuture we can help you look at the options available and find the right cover for your family.
Get a custom quote for Super Visa Insurance in Mississauga and then compare the plans before you go ahead and purchase.
Super Visa Insurance requirements
Super Visa applicants must have medical insurance that meets the applicable Canadian immigration requirements. Before you go and buy a policy, make sure it has the following:
Minimum cover: at least $100k in emergency medical insurance cover.
Period of cover: Insurance valid for a minimum of one year from the date of
entry as is required under the relevant rules.
Medical protection: cover for medical treatment, hospitalisation and
repatriation.
Eligible insurer: insurance purchased from an insurer that meets the
current Super Visa requirements.
Proof of coverage: Insurance documents that you can produce should be
requested by Canadian immigration or border officials.
Requirements can change so it’s important to check the current eligibility and insurance criteria prior to submitting an application.
When you’re comparing Super Visa Insurance Quotes Online don’t just look at the premium. Look at the policy limits, the deductible, the exclusions and the conditions that apply to emergency medical treatment. A plan with a lower premium may not in fact be the better plan.
We can help you go through the options and get a clear understanding of the differences between the plans.
Pre-existing Medical Conditions and Super Visa Insurance
Super Visa medical insurance doesn’t cover all medical situations. Each policy will have its own terms, exclusions and limitations so you need to read the policy documents very carefully prior to buying the coverage.
If your parent or grandparent has a pre-existing medical condition then check whether the plan will cover any emergency medical expenses arising out of that condition. That will typically be down to the insurer’s definition of a pre-existing condition, the applicant’s age and the policy in question.
Many of the plans will require that your condition has been stable for a certain period of time prior to the commencement of coverage. That period of stability can be anywhere from 120 to 180 days depending on the policy in question (the actual requirement will of course vary).
A condition which doesn’t meet the insurer’s definition of a stable condition may be excluded. Premiums can also vary depending on whether the plan includes coverage for eligible stable pre-existing conditions.
Before you buy a policy you must look at the medical questionnaire and give the required health information accurately. That way you’ll know what the policy covers and you’ll be able to avoid any issues down the line if you do need to make a claim.
The term “stable” in terms of medical insurance.
In the context of medical insurance ‘stable’ generally means that the condition has not changed significantly over the period that the insurer has defined. Of course each insurer will have their own definition so you need to check the exact wording of your policy.
Depending on the plan, a medical condition may need to meet requirements such as the following:
There have been no new symptoms and the existing symptoms have not got any more frequent or severe.
The medical tests have not demonstrated any deterioration in his condition.
A doctor has not found that the condition has got any worse.
No doctor or other medical professional has prescribed or recommended any change to medication or
treatment for the condition.
There has been no hospital admission as a result of the condition during the defined stability
period.
The insured is not waiting for further investigation/test results in respect of the condition (that
is to say the policy does not require stability in this respect).
These are examples of the sorts of conditions that an insurer
might look at in terms of stability. The precise criteria and the period over which they apply will of
course vary according to the policy. If your parent or grandparent is on regular medication or has had any
medical treatment in the past, check those requirements prior to selecting a plan. An insurance broker in
Mississauga can assist you in understanding the options and what you need to look at in the plan conditions.
Any changes in your travel plans
Travel dates can be all sorts of things. Your parents or grandparents may get their visa later than anticipated or their arrival date may be changed.
If you’ve already got Super Visa insurance then you may be able to change the effective date or arrival date of the policy (subject to the insurer’s requirements) if you contact them prior to the policy coming into effect.
The effective date is the date your cover actually starts (as per your policy confirmation). This will be in line with your travel plans and the insurer’s rules.
Before you go ahead and request a change, check whether the insurer will allow date changes and whether there are any restrictions or fees involved. Don’t just assume that your policy dates have been changed until you get confirmation from the insurer.
Planning ahead will help you to avoid the situation of having to pay for cover on dates which no longer correspond to your travel plans.
Super Visa Insurance refunds
If your travel plans change or your Super Visa application is unsuccessful you may be entitled to a refund of your insurance premium. Refunds are subject to the insurer’s terms and conditions.
Refunds
Before the effective date: some insurers will provide a full premium refund
if your visa is refused and you cancel the prior to the coverage commencing (subject to the
policy terms).
After the effective date: a partial refund may be available in the event
that your visa is refused or your parent or grandparent return to their home country prior
to the policy expiring. Eligibility will of course be at the insurer’s discretion and
will depend on the reason for cancellation, the length of coverage already used and whether
any claims have been made.
You may be required to submit supporting documentation such as evidence of a previous visa refusal or proof of an early return to your home country.
Always check the refund terms prior to buying the insurance as not every policy will be the same.
For further information on Super Visa insurance, eligibility,
coverage or refunds, please contact Covermyfuture on (416) 799-4343 or sabigandham@gmail.com. You can also
complete our online form to request a no obligation quote and go over your requirements.
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I know Sabi since 2016. I bought life insurance for me and for my husband. Great customer service. Sabi will work around as per your... Read more
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How to Compare Super Visa Insurance Plans in Mississauga for Your Parents
Choosing among different Super Visa Insurance Plans in Mississauga may seem to be complicated due to factors such as premiums, coverage conditions, deductibles, and both medical histories of your parents.
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