The Parent Super Visa Insurance program has become a popular option for Canadian citizens and permanent residents who want to keep their parents or grandparents in Canada for an extended duration. However, getting super visa insurance is obligatory, but there are many misunderstandings surrounding this type of insurance that often create confusion. This article will address some of the most common ones for you to have a better understanding of the process.
Misconception 1: Super Visa Insurance is the Same as Regular Travel Insurance
One of the most common misconceptions is that super visa insurance is similar to normal travel assurance. Although they have various similarities, the plan is one particular kind of coverage specifically designed for the Parent and Grandparent Super Visa Program. On the other hand, unlike regular travel insurance, super visa insurance also has specific requirements from Immigration, Refugees and Citizenship Canada (IRCC).
Misconception 2: Any Insurance Company Can Provide Super Visa Insurance
Another widespread misconception implies that just any insurer can offer a super visa policy. In fact, “the super visa insurance for parents must be issued by a Canadian insurer or an authorized company.” This requirement ensures that these insurers operate under Canadian regulations so as to fulfil their promises towards policyholders.
Misconception 3: Pre-existing Medical Conditions are Not Covered
According to many people’s understanding, pre-existing medical conditions are not covered under super visa insurance. On the contrary, this is not entirely true. While there may be exclusions or limitations on certain pre-existing conditions by some insurers; others may present plans that ensure stable controlled conditions are dealt with accordingly. It is important therefore to take time to study its details carefully before discussing with providers any health history you could have which might require additional attention.
Misconception 4: The Cheapest Policy is the Best Option
Amongst Canadians considering super visa insurance, several assume that it’s a good deal to go for a company with the lowest super visa insurance. However, this is not always the case. In addition to cost, you should take into account other factors like coverage and treatment policy terms and conditions; the reputation of an insurer being among them. The best super visa insurance policies provide a balance between affordability and broad coverage that meets your specific needs.
Misconception 5: Super Visa Insurance Covers Emergency Medical Expenses Only
Many people think that super visa insurance covers emergency medical expenses only. This is however not true. Although emergency medical coverage is compulsory in these programs, several super visa policies cater for other types of expenses such as prescription drugs, ambulance services or cases where there are required special needs such as evacuation or repatriation. It’s worthwhile going through the details of the plan to know all facets of its scope.
Misconception 6: Super Visa Insurance is Only for the Initial Entry
Another common misconception suggests that super visa insurance is only needed during first entry into Canada. On the contrary, that is false. The whole intended stay in Canada including any extensions or re-entries must have continuous super visa coverages. This would help shun the complicatedness of visas’ holding back with likely penalties.
Misconception 7: Super Visa Insurance Automatically Renews
Some people believe that insurance for Super Visa Canada automatically renews itself, but this is not so. In case your parents or grandparents wish to remain in Canada longer than the period they have been covered under their super visa insurance policy, they should renew or extend it before its expiry date. Failure to do so can affect their status in Canada.
Misconception 8: Every Super Visa Insurance Policy is Similar
Although all insurance policies for Super Visa are required by IRCC to meet certain criteria, the coverage and conditions may differ significantly between providers of such insurance. It is important to carefully examine and compare various policies so you find the one that best fits your needs as well as pockets. Other insurers might provide additional benefits or more extensive coverage than others.
Sourcing Advice from Professionals
Even though researching and comparing insurance for Super Visa plans is crucial, navigating through this specialized insurance can be complicated especially for those who are not familiar with the process. In this regard, professional guidance would prove invaluable.
Besides, these specialists will also help you apply for a cover making sure that all the necessary information and documents are correctly submitted in line with regulations. Hiring them could save you time, reduce the chances of mistakes happening and give you peace of mind knowing that your family members will get appropriate cover while staying in Canada.
Don’t hesitate to seek professional guidance when it comes to insurance for Super Visa. The right advisor can make the process smoother, and more efficient, and ultimately ensure that your parents or grandparents are adequately protected during their extended visit.
Final Words
Through understanding and addressing these common misconceptions about obtaining super visa insurance for visiting Canadian parents or grandparents on the Parent and Grandparent Super Visa program; consulting with an insurer’s experts; go through contract terms; deliberating on the choice of the insurer in order to safeguard against any eventualities throughout their stay duration.
For more information on super visa insurance and to find the ideal one for you, please visit our website www.parentsupervisa.ca, or contact an authorised agent today.
