Canada is an attractive country for anyone looking for a quality life because it offers world-class education and a thriving job market. It is a particularly beautiful country with a multicultural population. The good news is that the Canadian government always welcomes millions of immigrants with open arms. So if you are new to Canada, missing your family and want to invite them over for an extended stay, the Canadian Parent Super Visa Insurance could be the perfect solution.
In this blog we will discuss some of the most common questions that you have in your mind about Parent Super Visa Insurance.
Q: What is Super Visa Insurance?
Technically called Visitor to Canada insurance, it’s intended to provide visitors with emergency medical care for short-term issues like an infection, or to stabilise more serious issues like a heart attack so visitors can travel home to get more medical attention.
Q: What does super visa insurance cover?
There are many insurance companies in Canada that offer managed insurance, each offering different types of protection. However, most policies cover:
- Diagnostic medical procedures
- Emergency medical treatment
- Prescription medications
- Ambulance services
- Emergency dental services
- Medical equipment
- Follow-up medical appointments
Q: How much parent super visa insurance coverage do you need?
Although the minimum requirement for super visa insurance is 100,000 Canadian dollars, many people choose to exceed these minimum requirements. Super visa insurance up to USD 1 million can be purchased. Given the high cost of medical treatment without public health coverage and the advanced age of the typical super visa applicant, it is common to opt for higher health coverage.
Q: : My mother/father has pre-existing conditions. How does this affect insurance coverage?
There are two basic types of insurance for visitors to Canada: those that cover illnesses related to pre-existing conditions and those that do not. Generally, pre-existing conditions must be stable for at least four to six months to be covered. It’s always best to try to find an insurance policy that covers illnesses and accidents related to or caused by pre-existing medical conditions, so it’s worth shopping around.
Q: Does this policy apply to my mother/father’s current medications?
No, these are medical emergency policies to cover unforeseen expenses. Medicines the traveller is already taking are not covered. However, overseas insurance policies available from some insurance companies may also cover some ongoing conditions. This type of insurance is not as common as parent super visa insurance and is much more expensive.
Q: Can my father take his prescription medications for a year?
The Canadian government has certain restrictions on importing prescription drugs (whether you are a Canadian citizen or a visitor): In general, you are limited to bringing two 90-day supplies (total supply is 180 days). Therefore, bringing for a whole year can cause problems at the border.
Q: Is a medical examination mandatory to ensure parent super visa insurance?
Unlike applying for a super visa, for which IRCC requires an immigration medical examination, a medical examination is not required when purchasing super visa insurance. Instead, candidates are given a series of medical questionnaires that they must answer honestly and accurately.
Q: Does super visa insurance cover dental treatment or dental emergencies?
Yes, parent super visa insurance covers emergency dental expenses. Depending on the policy, super visa insurance can provide thousands of dollars in emergency and dental coverage. Please note: this does not apply to planned dental treatments such as cosmetic surgery.
Q: Can I buy a policy from an insurance company in my parents’ country?
The Canadian government has stated that applicants must provide proof of Canadian private health insurance. Using insurance from a country not regulated by the Canadian authorities will jeopardise your visa application being approved. Don’t take that risk!
Canadian medical providers also prefer to work with Canadian insurance companies. There is direct billing between Canadian hospitals and insurers. If you have to pay fees and then file a claim, Canadian insurance companies have a faster claim process. They can check Canadian medical costs faster than overseas healthcare providers. And Canadian insurance companies are regulated by Canadian regulators to some of the highest standards in the world. Not that it’s likely, but it’s better to know you’re covered no matter what. To prove insurance at immigration/entry, it is best to present documentation in English or French.
Q: Is the policy refundable?
Most policies are 100% refundable before travel begins and partially refundable if the traveller returns home early and has not made a claim on the policy. However, this varies by insurer and some companies charge reimbursement fees.
Q: Do I have to pay for the policy now?
Yes, Citizenship & Immigration Canada requires you to have a one year prepaid insurance policy before you can apply for a super visa. We generally recommend that the policy commences at least three months after the date of your super visa application to allow sufficient time for visa processing.
Q: Why should I use a broker?
Brokers are there to help clients deal with insurance companies and act as client advocates when needed. There is no difference in the cost of buying through a broker or directly from an insurance company.
Q: What happens if you cancel your parent super visa insurance?
Although rarely done, in certain situations policyholders can cancel their super visa insurance without having their super visa revoked. For example, if a visa holder has to cut short their visit and cannot use the cover they paid for, they can cancel the remainder of their policy and receive a prorated refund. However, administrative costs may be charged in the event of cancellation. Meanwhile, applicants who have already purchased a policy but have not received a super visa can receive a full refund
Q: Do you get a discount if you take out multiple parent super visa insurance policies?
Yes, most insurers will give you a discount if you take out more than one super insurance policy at the same time. Each company has its own special offers and promotions. Ask about the multi-policy discount and find out how you can save!
Bottom line
So, if you are interested in applying for a Canadian Super Visa, don’t worry because the application approval rate is very high and you will definitely get success with it. Parent Super Visa ensures that you don’t have to be far from your loved ones and offers various support options to bring your parents and grandparents to the country. It is advisable to enlist the help of the best immigration professional who will guide you step by step through the entire application process of parent super visa insurance.
