Get SuperVisa for your Parents and Grandparents
If you’re applying for Canada’s new Parent and Grandparent Super Visa, the Government of Canada needs you to prove that you have purchased Canadian medical insurance.
Parents and grandparents brought to Canada under the Super Visa are not covered by Canada’s national health care program.
The Super Visa allows parents and grandparents of Canadian citizens and permanent residents to stay in Canada for up to two years.
Super Visa medical insurance must:
- 1. Be valid for at least one year after entry to Canada
- 2. Give a minimum of $100,000 medical coverage
- 3. Over health care, hospitalization, and repatriation (return to their country of origin)
- be valid for each entry to Canada and available for review by a port of entry officer
You must provide insurance for each parent or grandparent.
Do I Need to Buy Super Visa Insurance from a Canadian Company?
The government of Canada says that you must provide proof of Canadian medical insurance as Super Visa insurance.
Purchasing medical insurance from a Canadian company is a good idea for several reasons:
- * Canadian insurance companies know the medical system in Canada, and are easier to contact if there is a medical emergency in Canada.
- * Because Canadian hospitals and insurance companies work together, a Canadian hospital usually bills the Canadian insurance company directly. This means:
- 1. That you don’t need to pay for treatment, and get reimbursed later, as may happen with a non-Canadian insurance company.
- 2. Claims will be faster with a Canadian insurance company than with a company from another country.
- * Proof of insurance must be given to the government of Canada before immigration/entry into Canada, and it is best if this proof is in English or French.
- * Canadian insurance companies are reputable and highly regulated. Assuris, a not for profit agency, ensures that you will retain up to $60,000 or 85% of the promised benefits, whichever is higher, in the unlikely event a Canadian insurance company goes bankrupt.
How Much Should I Buy?
You should get a minimum of $100,000 in medical insurance coverage. This is the minimum required by the Canadian Super Visa. Hospitalization in Canada can easily cost $3,000 a day, and air ambulance costs to return you to your home country can reach 25,000.
Can I Buy Insurance for a Family Member?
Yes! Anyone can buy a visitor’s insurance policy on behalf of someone coming to Canada.
Can I Buy Super Visa Insurance if I have a Pre-existing Condition?
You must inform your insurance company of any pre-existing condition, or your insurance may be void (cancelled).
You can get insurance, depending on the exact pre-existing condition, although you will probably pay more than if you did not have a pre-existing condition. Most insurance companies require that your condition is stable for a certain period of time (from 3 months to three years). In addition, some policies allow pre-existing conditions like diabetes or high blood pressure, while others do not.
If you develop a medical condition in between the time you buy your policy, and the time you leave on your trip, you must tell your insurance company. A condition that develops in this period of time may be considered a pre-existing condition.
Many insurance companies consider pregnancy to be a pre-existing medical condition.
If you have a pre-existing medical condition, read your policy especially carefully, and consider consulting with an insurance agent. Fill out any medical questionnaires honestly.
Do I Need to Take a Medical Test?
No, you do not need to take a medical test to get Canadian Super Visa insurance. You will need to fill out a medical questionnaire honestly. If your insurance provider finds out you have lied on a questionnaire, your insurance may be void, and any claims may be denied.
You will need to take an Immigration Medical Exam (IME) from the government of Canada to apply for a Super Visa. However, Canadian insurance companies should not require another test.
Where can I Buy Super Visa Insurance?
You can buy Super Visa insurance from Able Insurance Group at very economical prices.
Will Super Visa Insurance Cover Routine Medical Care?
No. Super visa insurance currently only covers emergency medical treatment (for example, and accident). Routine medical care, like annual doctor’s exams, are not covered by super visa insurance policies. Super visa insurance policies also don’t generally cover routine dental care (although some emergency dental accidents may be covered), or preventative services like chiropractic or massage services.
How can I Save Money?
You can save money on insurance by:
- increasing your deducible. A deductible is the amount of money you will need to pay, out of pocket, if a medical emergency occurs. Deductibles can range from zero to $5,000.
- trimming the extras from your policy. Some policies offer extra perks like baggage and trip cancellation insurance. If you want to save money, you can consider getting a policy without these perks.
What if my Super Visa is Denied or Delayed?
Most insurance policies will allow you to advance the effective date of your policy by up to six months to allow for delays. There is often a administrative fee. You must tell the insurance policy before the effective date of your policy.
Read your policy carefully, and consult a travel insurance agent if you have any questions. Travel insurance policies are legal documents. Many claims have been denied because a customer didn’t understand what was covered under their policy.
Visit your children or grandchildren.
Parents and grandparents of Canadian citizens and permanent residents may be eligible to apply for the parent and grandparent super visa. This visa is valid for up to 10 years and will let you visit your family in Canada for up to two years without renewing your status.
Make sure you meet the basic requirements to visit Canada. Apply for a Super Visa Before you plan your visit, find out if you need a visa to enter Canada. If you do need a visa, find out how to apply. Even if you do not need a visa you may still benefit from the Parent and Grandparent Super Visa. If you would like to stay in Canada for up to two years, you may get a Parent and Grandparent Super Visa by applying for a temporary resident visa. You will also need to meet some specific requirements.
Thinking about applying for the Super Visa for your parent or grandparent? Keep these helpful tips in mind:
- Income plays a vital role. Visithttp://www.cic.gc.ca/english/information/applications/guides/5256ETOC.asp#incometables to see the minimum annual income requirements to be eligible for the Super Visa.
- Do not book flights for your family member too early. If refused for the Super Visa, you do not also want the bad news of being stuck with a non-refundable plane ticket that cost hundreds of dollars.
- Processing times are quick but will vary depending on the region of the world where the application is submitted. Visit http://www.cic.gc.ca/english/information/times/perm/fc-parents.asp for up to date information about processing times for the Super Visa at various Canada visa posts around the world.
- Be sure to understand the details of your insurance plan. For example, most Canadian insurance companies will refund you the months not used on the plan (i.e. when your family member leaves Canada). Check this and other points with the insurance company before purchasing.
- Pay your fees upfront so that your file is processed immediately. You do not want to waste time by having your application be put on hold until your payment is received.
- Be sure to fill out all forms carefully, accurately, and correctly. Your application will be returned, or worse refused, if the information provided is incorrect or missing.
- You must provide reasoning for why your parent or grandparent deserves to come to Canada.This is a crucial point. Your application for a Super Visa must provide reasoning for your why your parent or grandparent needs to be in Canada with you for an extended period of time. You must advocate for your parent or grandparent by providing reasoning for why you require their presence in Canada. You cannot just fill out the forms and assume that on the basis of being your parent or grandparent, your family member deserves to come to Canada under the Canada Super Visa program. You must provide reasoning.