Most Canadian citizens and permanent residents began their lives in the country as immigrants, and many of them had to leave their family members and relatives behind to come to Canada, which the federal government recognizes. According to data from Immigration, Refugees, and Citizenship Canada, Canada welcomed the most immigrants in a single year on record in 2021, surpassing its target of 401,000 new permanent residents (IRCC). Canada’s government has implemented several programs that extend visitors’ stays beyond the length of time allowed by a typical tourist visa so that they can be reunited with their families. The “Super Visa” program is one such initiative. What Exactly Is A Super Visa?
A super visa differs from a regular visitor’s visa in that it allows non-Canadian citizens to stay in the country for up to six months. In the case of parents and grandparents, a “super visa” allows for multiple entries into the country over 10 years. Aside from meeting the IRCC’s eligibility requirements, applicants must provide documentation proving that they have adequate medical insurance from a Canadian insurance company – or what is known as “Super Visa Insurance.“
How Does Super Visa Insurance Work?
To qualify for a Canadian Super Visa, one must show proof of adequate medical coverage. Experts from our Parent Super Visa Insurance Group, tell us that applicants are granted super visas on the condition that they won’t put a strain on the healthcare system of the country they are visiting.
“An applicant must provide Super Visa Insurance as evidence to the Canadian government that they have appropriate medical insurance coverage should they become ill or injured while in the country.”For Canadian Super Visa Insurance Policy, the IRCC has established the following minimum requirements:
- The policy must be in effect for at least one year from the date of entry.
- It should provide at least $100,000 in emergency coverage.
- Applicants must provide proof that their medical insurance is fully paid.
This Super Visa Insurance policy must cover emergency medical care, hospitalization, and repatriation. When entering Canada, a visa holder must also present this document for inspection by an immigration officer.
What Is Covered By Super Visa Insurance?
Several Canadian insurers provide super visa insurance, with each offering a different level of protection. However, most policies cover the following:
- Medical attention in an emergency
- Emergency Ambulance Services
- Blood tests, ultrasounds, and x-rays are examples of diagnostic medical procedures.
- Medications on prescription
- Braces, crutches, slings, and wheelchairs are examples of medical equipment.
- Dental Emergency Services
- Medical check-ups
Is It Necessary To Have Medical Testing Before Purchasing Super Visa Insurance?
Getting Canadian super visa insurance does not necessitate a medical exam, unlike when applying for a super visa, which is required by the IRCC. Instead, applicants are given a series of medical questionnaires, which they are expected to respond to honestly and accurately. If it is discovered that you lied on your application, your coverage may be revoked, putting your super visa application or status in jeopardy.
What is the cost of super visa insurance coverage?
Premiums for super visa policies can vary depending on several elements, including the applicant’s age and health, the policy’s coverage and deductible, and the policy’s duration, just as they can for other types of insurance.
Monthly premiums for single parent or grandparent coverage typically range between $100 and $200, according to our advisor. When purchasing super visa insurance for parents and grandparents as a couple, a joint policy is less expensive than purchasing separate coverage. The IRCC, on the other hand, requires super visa insurance to have a minimum of $100,000 in coverage. Applicants can purchase coverage of up to $1 million. The high cost of medical care in Canada necessitates a high sum insured on any policy taken out by a citizen or permanent resident who is not covered by provincial or federal health programs.
Does the super visa insurance cover pre-existing conditions?
Pre-existing conditions are dealt with in a variety of ways by various insurance providers. Some insurance companies will sell policies to those who can prove they can maintain a certain level of financial stability. Visa holders who do not have symptoms or seek treatment for illnesses or injuries for 180 days before the policy’s effective date will not be considered pre-existing and will receive full coverage. However, conditions that require long-term treatment are typically not covered by super visa insurance.
How Long Does The Coverage Provided By The Super Visa Insurance Last?
The duration of coverage for Super Visa insurance is one year, and it can be purchased in increments of one year. Although a super visa’s validity period can be as long as ten years, each stay authorized by the visa is limited to a maximum of two years. You will be required to purchase additional Super Visa insurance if you intend to remain in Canada for the full period of two years. In addition, if you leave Canada and come back within a year, you will need to ensure that you have a new insurance policy that is valid for the super visa.
Can You Cancel Super Visa Insurance?
Cancelling one’s Canadian super visa insurance policy is an option, but the requirements to do so are extremely unusual. You are not permitted to cancel your super visa insurance if your application for a super visa was successful and you are currently residing in Canada based on that visa. If you do so, your super visa will be revoked. If for some reason your trip to Canada is cut short and you do not end up using the coverage that you paid for, you have the option to cancel the remaining portion of your coverage and receive a refund that is proportionate to the amount of coverage that you have not used. To cancel this reservation, you might be required to pay an administration fee.
Get A Quote For Super Visa Insurance Right Now!
Please contact our advisors. Our Parent Super Visa consultants have years of experience assisting Canadian citizens and permanent residents in applying for super visa insurance on behalf of their relatives. We can walk you through the steps necessary to apply for super visa insurance for your parent or grandparent, as well as present you with various coverage options. Now is the time to get a free SuperVisa insurance quote!