Canada’s Super Visa is truly a very effective, popular, and unique program that effectively contributes to helping the parents and grandparents of Canadian citizens reunite with full ease and convenience in the glorious land of Canada. If the family members of a Canadian citizen are planning to pay a short visit to him/her in a year, this Super Visa program acts as a catalyst to effectively meet the need. That said, the importance and popularity of Super Visa insurance are progressively increasing with each passing day. This program is specifically designed to reunite the family members of a Canadian citizen seamlessly and bring a wider smile to their faces. In fact, an increasing legion of individuals are applying for Canada’s Super Visa and reaping its various benefits at a stretch.
The Super Visa program is very different from the Parent and Grandparent Program (PGP), as it does not include any annual quota for processing applications. Also, interestingly, these applications are processed at a relatively higher speed in general. However, it is crucial to note that the Super Visa holders approved by the Canadian government are not reckoned as permanent residents of the country (as okayed PGP applicants in general are), Super Visa applicants require specific private medical coverage to get acceptance. This type of coverage is characteristically termed Super Visa insurance.
For the Super Visa program, the applicant’s offspring or grandchild must extend an invitation letter and demonstrate that they meet certain income criteria – more details on that follow. Applicants then cede this letter alongside proof of having acquired the mandated level of health coverage. The Super Visa insurance policy must adhere to minimum standards and provide coverage for a minimum period of one year from the date of entry into Canada.
Obtaining visitor emergency medical insurance is an essential requirement when traveling to Canada on a Super Visa, and it can prove quite costly, based on the traveler’s age and whether pre-existing medical conditions necessitate coverage. However, the expenses could escalate even further if you experience the requisite to file an insurance claim in Canada, only to discover that you had purchased an inadequate policy. Failing to consult a clued-up and experienced advisor who specializes in visitor insurance for Canada could lead you to overlook crucial details in the fine print or just pay more money than is required in general.
We recommend utilizing the services of a leading travel insurance agency to cater to your Super Visa insurance needs. An experienced and reputable insurance agency will go the extra mile to make comparisons across multiple insurance providers, ensuring you secure the best available policy!
Our advice is to engage a broker specializing in travel insurance for visitors to Canada when purchasing your super visa insurance (using a broker doesn’t incur additional costs, and it will help you obtain the most suitable policy). Obtain your options from BestQuote today.
The minimum required coverage levels for Super Visa insurance
You must purchase Super Visa insurance from a Canadian insurance company. It should cover health care, repatriation, and hospitalisation. It must have a minimum coverage level of CAD $100,000 and be valid for each time the parent or grandparent enters Canada. Upon entry, the parent or grandparent must be able to present proof of their Canadian Super Visa insurance to an officer at the port of entry.
The cost of Super Visa medical insurance cost
Super Visa insurance costs and coverage options may vary depending on your destination province or territory. You can get Super Visa insurance for one parent, or grandparent, or a couple. A couple travelling together may save some money over purchasing single Super Visa insurance policies individually.
In general, the standard cost you will have to pay for Super Visa insurance on a monthly basis will range from $100 to $200, or maybe even more. To ensure the exact payable cost to be paid on a monthly or yearly basis to get Super Visa insurance, it fundamentally depends on your provider and your plan.
Factors Affecting the Cost of Super Visa Insurance
Age is a significant factor that influences the cost of Super Visa insurance. Generally, the older the applicant, the higher the insurance premium. This is because the risk of medical complications increases with age, and insurance companies factor this into their pricing models.
- Pre-existing Medical Conditions If the applicant has pre-existing medical conditions; the cost of Super Visa insurance will be higher. Insurance companies assess the risk associated with these conditions and adjust their premiums accordingly. It’s essential to disclose all pre-existing conditions to the insurance provider to ensure adequate coverage.
- Coverage Period The cost of Super Visa insurance is directly proportional to the coverage period. Policies can be purchased for a minimum of one year, but many applicants opt for longer coverage periods to align with their intended stay in Canada. The longer the coverage period, the higher the overall cost.
- Deductibles and Co-payments Some Super Visa insurance policies may include deductibles or co-payments, which can impact the overall cost. Deductibles are the amount the policyholder must pay out-of-pocket before the insurance coverage kicks in, while co-payments are a fixed amount the policyholder pays for specific services or medications.
- Insurance Provider The cost of Super Visa insurance can vary significantly among insurance providers. It’s essential to shop around and compare quotes from different companies to find the best rates and coverage options that suit your needs.
Options for Super Visa Insurance
Super Visa insurance is designed to cover the parents and grandparents of Canadian citizens or permanent residents who are travelling to Canada and plan to stay for up to two years. If you or your relatives don’t meet the qualifications for a Super Visa, you may have other options for visitor visas and insurance for travellers. Many people travel to Canada for temporary stays of less than six months using visitor visas or simply using their passports if they come from a visa-exempt country.
Those interested in sponsoring their parents or grandparents to live in Canada permanently may also be interested in the Parents and Grandparents Sponsorship Program (PGP). This program allows Canadian citizens and permanent residents to sponsor their parents and grandparents to become Canadian permanent residents. Immigration, Refugees and Citizenship Canada (IRCC) will accept a record-high 30,000 applications through the PGP in 2021.
Final thought
Canada has a clear commitment to keeping families together. Whether you want to spend a holiday together as a family, or whether your parents want to be close by to watch their grandchildren grow up, Canada’s super visa program could be the solution you’ve been looking for.
