Ins and out for Supervisa Insurance

Ins and out for Supervisa Insurance

Canada’s government requires that you prove you purchased Canadian medical insurance if you’re applying for the new Parent and Grandparent Super Visa.

Canada’s national health care program does not cover parents and grandparents brought to Canada under the Super Visa.

Those with the Super Visa can stay in Canada for up to two years with the consent of their parents and grandparents, Canadian citizens and permanent residents.

An insurance policy for Super Visas has to:

  • Valid for at least one full year after entering Canada
  • Medical coverage of no less than $100,000
  • Medical and hospitalization care, repatriation (returning to their country of origin)
  • Should be available to port of entry officers at each entry into Canada, valid for each entry.
  • For each parent and grandparent, you must provide insurance.

Do I need to purchase Super Visa insurance from a Canadian company?

In order to obtain Supervisa insurance, you are required to provide a copy of your Canadian health insurance card as proof of your coverage.

A Canadian company is the right choice for medical insurance for many reasons:

Healthcare providers can contact Canadian insurance companies because they are familiar with the Canadian medical system. Since Canadian hospitals and insurance providers work together, they usually bill the Canadian insurer directly.

This means:

Unlike non-Canadian insurance companies, you do not have to pay for treatment and get reimbursed later.

Insurance companies in Canada will process claims more quickly than companies from other countries.

Before immigration/entry into Canada, proof of insurance must be presented to Canada’s government, and it is best if this document is in either English or French.

If a Canadian insurance company goes bankrupt, Assuris, a not-for-profit agency, guarantees you’ll keep up to $60,000 in benefits, or 85% of what you were promised.

Do I have to buy a certain amount?

Getting a minimum of $100,000 in health insurance coverage is a must. The Canadian Super Visa Program also requires this coverage. Hospitalization in Canada can cost up to $4,000 a day, and the cost of an air ambulance to return you to your home country can exceed $28,000.

Is it possible to buy insurance for my family members?

A visitor’s insurance policy can be purchased on behalf of someone coming to Canada by anyone.

If I have a preexisting condition, can I purchase Super Visa Insurance?

  • A preexisting condition must be disclosed to your insurance company, or your insurance may be voided.
  • It depends on what kind of preexisting condition you have. Some policies cover preexisting conditions such as diabetes and high blood pressure, while others do not. Most insurance companies require your condition is stable for a certain period (usually three months to 1 year).
  • When you purchase your policy, you should inform your insurer if you develop a medical condition before your departure. This may be considered a preexisting condition.
  • Pregnancy is usually considered a preexisting condition by insurance carriers.
  • Consider working with an insurance agent if you have a preexisting condition. Any medical questionnaires should be filled out honestly.

Is there a medical test I need to take?

Canadian Super Visa insurance does not require you to undergo a medical test. However, you will have to fill out a medical questionnaire honestly. If your insurance provider finds out you lied on the questionnaire, your insurance may be void, and any claims rejected.

Canadian insurance companies are not required to require another test to be eligible for a Super Visa. You will need an Immigration Medical Examination from Canada’s government to apply for a Super Visa.

What is the best place to buy Super Visa Insurance?

Super Visa insurance can be purchased from almost any Canadian travel insurance company.

InsureInCanada.ca is a helpful website that lets you compare rates and coverage for several different insurance companies.

Will there be insurance coverage for routine medical care under a Super Visa?

Generally speaking, super visa insurance policies do not cover routine medical care, like yearly doctor’s exams. Super visa insurance does not typically cover regular dental care (although some emergency dental accidents may be covered) or preventative services such as chiropractic or massage.

Is there a way I can save money?

Supervisa Insurance can be cost-effective if you:

  • A reliable online quote system, such as InsureInCanada.ca, makes it easy to compare quotes from several insurance companies at one time.
  • You can take deductibles. Deductibles are the amount of money you will pay out of your pocket if you need medical care. Deductibles range from zero to $10,000 and can save you anywhere from 5% to 45%
  • By removing the extras from your policy, you will be able to save money. Some policies offer baggage and trip cancellation insurance. If you want to save money, you can opt for a policy without these benefits.

What if my Super Visa application is denied or delayed?

There are often administrative fees associated with advancing your policy’s effective date. You must tell your insurance policy before its effective date if you want to do this. Most insurance policies allow you to advance your policy’s effective date by up to six months to accommodate delays.

Understand your policy carefully, and consult a travel insurance agent if you have any questions. Travel insurance policies are legal contracts. Customers do not understand what they are covered for, thus resulting in claims being denied.

How do I go about comparing and buying Super Visa Insurance?

Comparison websites make it easy to compare Super Visa travel insurance policies. Like InsureInCanada.ca, comparison websites let you quickly compare quotes for travel insurance from several insurance providers. Put in a few details about your trip and determine the coverage and price that suits your needs. Read our InsureInCanada.ca review.

InsureInCanada.ca website is one of the most popular websites for Ontario residents like Toronto, Markham, Scarborough, Ajax, Pickering, Oshawa, Kingston, Ottawa, Barrie, Sudbury, New Market, Aurora, Oakville, Burlington, Hamilton, Niagara Falls, Woodstock and London Windsor regions.