It is a privilege to invite your parents or grandparents to Canada to live there with you. With the Super Visa program, families will get extended time together since it enables those who are eligible to visit Canada to stay in the country, and then they have a maintenance period of between five-year periods. However, before they are able to secure their flight ticket, there is one major requirement that they need to accomplish, and that is parent super visa insurance.
The real process of getting the visa is something that many of the applicants presume. However, the truth is that it is equally important to ensure that the right medical insurance is in place. Indeed, parent super visa insurance is important in the sense that, without any evidence of the same, no visa would be granted. Who, then, and what does it entail to qualify to receive this insurance?
Understanding the Basics
The Super Visa is a temporary resident permit designed specifically for parents and grandparents of Canadian citizens or permanent residents. Unlike a regular visitor visa, which only allows a six-month stay, the Super Visa grants much more time—up to five years at a time without needing to renew your status.
However, with that extended stay comes an added responsibility: the need for comprehensive medical coverage. This is where parent super visa insurance comes into the picture. It ensures that the visitor will be covered for any emergency medical treatment during their stay, relieving both the family and the healthcare system from unexpected burdens.
Who Is Eligible to Apply for the Super Visa
Before diving into the insurance part, it’s important to confirm if you (or your parent or grandparent) meet the eligibility requirements for the Super Visa itself. To qualify:
- The applicant must be the parent or grandparent of a Canadian citizen or permanent resident.
- They must provide a signed letter of invitation from their child or grandchild residing in Canada, including a promise of financial support for the entire duration of the visit.
- Proof of the inviter’s minimum necessary income is required.
- The visitor must undergo an immigration medical exam.
- And finally, proof of valid parent super visa insurance must be submitted with the application.
Insurance Eligibility: Not Just a Formality
Now, let’s focus on the main requirement—insurance. Not all medical policies will qualify. To be accepted for the Super Visa, the insurance must meet specific standards. To qualify for parent super visa insurance, the policy must:
- Be from a Canadian insurance company.
- Be valid for a minimum of one year from the date of entry into Canada.
- Provide a minimum coverage amount of $100,000.
- Cover healthcare, hospitalization, and repatriation.
- Be available for review by immigration officers upon entry into Canada.
It’s important to note that even if you already have some form of travel insurance, it may not meet the above criteria. Always verify that it is specifically designed to fulfil Super Visa requirements.
What Insurance Providers Look For
While most Canadian insurers welcome applicants for parent super visa insurance, there are a few things they typically evaluate:
- Age of the insured person.
- Any pre-existing medical conditions (which may affect premiums or eligibility).
- The duration of coverage requested.
- The applicant’s overall health and medical history.
Some insurers also offer policies that include partial coverage for pre-existing conditions, but this must be discussed and declared clearly at the time of purchase.
Can Visitors Be Denied Insurance?
Yes, in some rare cases, applicants may be declined for parent super visa insurance. This often happens when there are complex medical issues or the applicant is of an advanced age with high health risks. In such cases, it’s worth speaking with a licensed insurance broker who can shop around and present alternative coverage options.
What Happens If the Visitor Leaves Early?
Life can be unpredictable. If your parent or grandparent leaves Canada before the insurance term ends, most providers offer partial refunds—provided no claims were made during the coverage period. It’s essential to review the cancellation and refund policy before purchasing.
Do You Need to Buy Insurance Again After a Year?
Yes, you do. The Super Visa allows multiple entries over a 10-year period, but each stay can be for up to five years at a time. The initial parent super visa insurance must be for one year. However, after that year, if the visitor remains in Canada, the insurance must be renewed annually. Immigration officers may ask for proof of continuing coverage if the visitor’s stay exceeds 12 months.
Final Thoughts
Getting approved for the Super Visa is about more than just paperwork—it’s about preparation, peace of mind, and planning for health and safety. Understanding the eligibility criteria for parent super visa insurance makes the process much smoother and helps avoid delays or rejections.
If you’re planning to bring your parents or grandparents to Canada, don’t leave the insurance step to the last minute. At Parents Super Visa, we specialize in making this process stress-free by helping families find trusted and affordable parent super visa insurance that meets all the official requirements.
Let us help your loved ones enjoy a comfortable and secure extended stay in Canada.
