What to Look for in Super Visa Insurance in Canada?

Are you planning to stay with your children or grandchildren for more than a year? Then you should probably apply for a Super Visa. This Super Visa Insurance allows the parents and grandparents of Canadian citizens or permanent residents to visit them for up to two years at a time. The advantage of the Super Visa is that it allows them to enter the country multiple times for ten years, and each visit can last for five years without the need to reapply. There is another alternative if you are looking to visit the country for less than six months. That does not require a parent or a grandparent to apply for a Super Visa or an Electronic Travel Authorization (eTA) if they arrive from a visa-exempt nation.

What is Super Visa Insurance?

One of the many Super Visa approval requirements is that the individual will need to apply for medical insurance from a Canadian insurance company with a minimum coverage of at least $100,000. The plan should cover the applicant for at least one year from the date of arrival to Canada. This is what Super Visa insurance is all about. This is because the country wants to ensure that you will not be a liability to the public-funded health system when you visit the country. So, you will need to submit your Canadian insurance to the immigration authorities as proof that you are covered in the event you need your medical needs tended to.

The Super Visa Insurance Canada- Key Benefits

• Services of a surgeon, anesthetist, physician, and registered graduate nurse.
• The benefit of private duty nursing if needed.
• Access to X-rays and laboratory services if needed.
• Information about available maximum liability for a maximum amount.
• In-patient or out-patient emergency medical treatment for sickness or injury.
• Provides rental of necessary medical appliances.
• Treatment of non-emergencies in case of treatment resulting directly from the initial emergency, ambulance, as at the time of mountain and sea rescue.
• Get the amount of the prescription drugs and the number of days’ supply.
• Provides professional medical services of a practitioner, including a chiropractor, chiropodist, licensed physiotherapist, osteopath and podiatrist.
• The benefit of air transportation in the case of an emergency for airfare or air evacuation back to the country of residence or Canada for treatment.
• Provides one-way economy airfare if the insured is transported back to Canada.
• Coverage for accidental dental and dental pain.
• Get maternity coverage for childbirth or if any complications during the 9 weeks before the expected date of delivery.
• Get a single return economy airfare or ground transportation coverage and cost for meals and accommodation for a day.
• Deals with all the out-of-pocket expenses if in case hospitalized on the scheduled date of return.
• Child care
• Repatriation and Burial/cremation at the death place
• Return of vehicle expenses
• Accidental death and dismemberment

To know more about Super Visa Insurance benefits in detail you can read- Benefits of Super Visa Insurance

What are the requirements for Super Visa Insurance in Canada?

• The medical insurance you purchase must meet all the necessary requirements of the IRCC in order for the applicant to be accepted:
• As mentioned above, the medical insurance policy must be purchased from an insurance company in Canada.
• The policy must be valid for one year from the applicant’s arrival.
• The plan coverage must be a minimum of $100,000
• The IRCC will not accept any quotes for the medical insurance being purchased by the applicant; they must provide substantial evidence that the health insurance has been purchased.

These are merely just a few requirements of the Super Visa insurance and not the Super Visa itself. To learn more about Super Visa Insurance and the application process go to the Canadian government’s website.

The cost of Super Visa insurance in Canada

Like most medical insurance plans, the cost of Super Visa insurance varies depending on several factors, such as the applicant’s age, if the applicant has a pre-existing medical condition etc. The estimate for a Super Visa insurance policy that has a coverage of $100,000 for one year is between $1,000. An individual in their forties can expect to pay around $800 and $1,800. A couple in their forties with no pre-existing medical conditions can spend somewhere between $1,600 and $3,600. A seventy-year-old individual with no pre-existing medical conditions is expected to pay between $1,700 and $4,600 for their Super Visa insurance. If the seventy-year-old has a pre-existing medical condition, it can start from $2,200. These figures mentioned above are not exact but merely estimates to give you an idea of how much a Super Visa insurance plan costs.

To find out more information on super visa insurance or to apply for one, get in touch with the team at Canadian L.I.C. today.

What are the minimum necessary levels of coverage for Super Visa insurance in Canada?

The minimum super visa levels of insurance coverage are:

• validity of the insurance policy for a minimum of at least one year from the date of entry
• In emergency coverage, it must offer a minimum of $100,000 CAD.

When does the super visa coverage start?

When the visa holder visits Canada, the super visa coverage starts. In case of any changes in the travelling plan, most insurance providers change the start date if you have informed them of the right time. 

Does Super Visa Insurance in Canada cover pre-existing conditions?

If certain conditions are fulfilled, then some super visa insurance providers will cover travellers with pre-existing conditions. For instance, if your plan was stable and controlled 180 days before the effective date of your policy.

How much Super Visa Insurance coverage should one get?

As per the law, you must buy at least $100,000 CAD in coverage — but is it actually sufficient? Well, that depends on certain conditions, like, the length of stay, your medical history and the level of financial security you want to have in the case of an illness or an accident. 

In case you are old, need certain medications or have a pre-existing health condition, then, in that case, purchasing more than the minimum will be worth it. You can go for super visa insurance in Toronto for up to $1 million. 

Can I purchase Super Visa Insurance in Canada on my visiting family’s behalf?

If you are a permanent resident of Canada, then yes, you can buy Super Visa Insurance on behalf of your family members, but you cannot buy it on behalf of your spouse’s family. In case you are sponsoring a person’s stay in Canada, then, in that case, you must bear the medical expenses if they cannot pay for themselves. Most Canadians purchase insurance coverage on behalf of their family members for this very reason. When entering Canada, they want to ensure their family members and loved ones have access to adequate medical insurance.   

Are there any other alternatives to Super Visa Insurance in Canada?

You cannot avoid super visa insurance if you want a super visa. You must have at least $100,000 in super visa insurance coverage to apply for the visa. 

Is purchasing Super Visa Insurance in Canada from a Canadian insurance company necessary?

Before 2022 one could buy coverage only from a Canadian company. But since July 4, 2022, it has been allowed to purchase insurance from an insurer outside of Canada, as long as the Government of Canada has approved it. 

Can I get a refund on my Super Visa Insurance in Canada?

In a lot of situations, you can easily get a refund like:

1. You will receive a complete refund if you purchased super visa insurance but were denied a visa. 
2. You have to get back to your home country before the planned time and have not filed any claim during your stay in Canada. In this situation, you will get a partial refund minus the administration fee — which is generally between $25 and $100 per policy and per person. 
3. You bought insurance and got issued a visa, but ultimately, you decide not to go to Canada for any reason. When you cancel your super visa insurance plan, you will get a refund of the premiums paid after subtracting the administration fee, which can be as high as $200-$250 per policy and per person. 

Does Super Visa Insurance in Canada cover dental work or dental emergencies?

Yes, super visa medical insurance covers dental emergencies. However, the coverage limits vary from one plan to another for dental work and emergencies. 

Do you also get coverage for travelling to countries other than Canada through Super Visa?

If certain specific conditions are being met, then super visa insurance also provides coverage for travelling to countries other than Canada; There are certain policies that cover travelling to another country till the time:

• It is not your home country.
• Your trip starts and ends in Canada, and 
• The whole trip does not last more than a specific number of days. 

Make sure to read the policy terms carefully to determine what is covered before signing up since each insurance policy is different.

How long does Super Visa Insurance coverage in Canada last?

The super visa coverage lasts for a period of one year and can be purchased in one-year increments. If you get back to your home country and then come back to Canada again, you will need new coverage in that case. 

Final Thoughts

Coming to the end of this article by now you would have been all clear on Super Visa, its benefits, cost and all the other related knowledge which will help you to decide as to what you should look for in your super visa insurance.

If you still want more knowledge on the subject you can visit- visit here to find out How to Apply for one?