The Super Visa process of immigration enables the parents and grandparents of a Canadian citizen or a permanent resident to visit Canada for a longer duration as compared to the normal six months. Another condition for the granting of this visa is to obtain private medical insurance. This article will determine the possibility of obtaining the super visa insurance after entering Canada and the repercussions of it.
Before understanding the cost of super visa insurance, it is important to understand some details about it. Super visa insurance is designed for foreign grandparents who want to visit their families in Canada to spend some time with their grandchildren.
How much is the super visa insurance?
The cost of the super visa insurance can be determined by the age, the medical conditions of the applicant, and the amount of coverage the applicant wants. The cost is usually between CAD $1,000 and CAD $2,500 per annum. Commonly, higher coverage limits and low deductibles mean that the cost of the insurance premiums will be high. The review of various insurance providers can assist the applicants in determining the best super visa insurance policy that fits them.
Super Visa Insurance Requirements
Applicants for the Super Visa are also expected to meet the following prerequisites with regard to health insurance.
- Validity: Insurance should be valid at least one year from the date of entry into Canada for each policy.
- Coverage: It should include health care, hospitalization, and repatriation aspects.
- Minimum Coverage: Adequate coverage limit in this case is at least $100,000.
- Provider: As of January 28, 2025, it becomes legal for applicants to buy their health insurance from insurers based in Canada and other parts of the world but with the Canadian standards. This is an area of development that will see greater ease in access and may prove more economical through the expansion of insurance companies accessible to members.
Purchasing Insurance Before Arrival
In general, it is expected from applicants to acquire super visa insurance before their arrival in Canada. This is important since it covers the visitors before they start their tour around the country in case a health risk is witnessed. Moreover, the insurance to be secured prior to travelling is also one of the mandatory documents required for the Super Visa application.
- Waiting Periods: Many insurance providers impose a waiting period for policies purchased after arrival, during which no claims can be made. This waiting period can leave visitors vulnerable to uncovered medical expenses.
- Policy Validity: The insurance policy must be valid for each entry into Canada. If a visitor’s health insurance expires before they leave Canada, they may need to renew or maintain their health insurance during their stay.
- Application Requirements: The Super Visa application process requires proof of valid medical insurance at the time of submission. Failing to provide this documentation can result in delays or denial of the visa application.
Best Practices for Super Visa Applicants
To ensure compliance with immigration requirements and to protect against unforeseen medical costs, it’s advisable to:
- Purchase Insurance Before Arrival: Securing super visa insurance prior to entering Canada ensures immediate coverage and aligns with visa application requirements.
- Choose Reputable Providers: Whether opting for Canadian or approved international insurers, select providers known for comprehensive coverage and reliable customer service.
- Understand Policy Terms: Be aware of any waiting periods, exclusions, and the process for renewing or extending coverage if necessary.
- Maintain Continuous Coverage: Ensure that the insurance policy remains valid throughout the entire stay in Canada to avoid any lapses in coverage.
Refund Policies for Super Visa Insurance
If a Super Visa application is denied or the visitor decides not to travel to Canada, most insurance providers offer refunds on prepaid policies. However, refund policies vary by insurer. Some may offer full refunds, while others may charge administrative fees. Before purchasing, it’s essential to review the refund terms to ensure flexibility in case plans change.
What Happens If Insurance Coverage Expires?
Super Visa holders must maintain valid health insurance for the entire duration of their stay in Canada. If the best super visa insurance in Canada expires before departure, they must renew the policy to comply with visa requirements. Failure to maintain coverage can lead to financial risks and potential complications if a medical emergency arises. Renewing or extending coverage in advance helps avoid any gaps in insurance protection.
Conclusion
While it may be technically possible to purchase super visa insurance after arriving in Canada, doing so is fraught with challenges, including potential waiting periods and non-compliance with visa requirements. To ensure a smooth application process and immediate protection upon entry, it’s best to secure the best super visa insurance in Canada before arrival.
Planning to bring your parents or grandparents to Canada under the Super Visa program? Ensure their health and safety by securing the best super visa insurance coverage in advance. Contact us today to explore comprehensive insurance plans tailored to meet Super Visa requirements.
