Why should you get super visa Insurance? - harjinder

Why should you get super visa Insurance?

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blog image October 22, 2021

Why should you get super visa Insurance?

Seeing a distant family is the best feeling in the world. When parents or grandparents are a country away, it can make visits harder. Visits are special when they do get to happen so you don’t want anything to go wrong. Making sure your parents or grandparents have medical insurance during their stay is the best way to have a wonderful stress-free visit. Super Visa is great insurance for this situation.

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What is Super Visa Insurance?

Super Visa insurance is specifically for parents and grandparents of Canadian and permanent residents, who live in another country and want to visit. The visits can be lengthy, from two years up to ten years total.

Applicants for Super Visa need to have confirmation of medical insurance within a year of coming to Canada. They can purchase it themselves, or the family members in Canada can purchase it for them. If during their stay, the parents or grandparents become unable to pay for medical bills, the person who sponsored their stay will have to take over and make payments. Medical insurance helps with this situation.

Super Visa insurance begins on the date you begin to travel. The insurance coverage should not start until travel dates are finalized and the Visa is issued. It will end when you either cancel the insurance when you return to your home country, or it reaches its expiry date.

Are you Eligible?

You will need to be a parent or grandparent of a Canadian citizen or a permanent resident of Canada to be eligible to get a Super Visa. You will need the following:

  • A signed letter inviting you to stay with him or her in Canada, from your child or grandchild. The letter must show the promise of the child or grandchild to financially support the parent or grandparent for the duration of the visit.
  • Copy of grandchild or child’s permanent resident document or citizenship
  • List of people in the child’s or grandchild’s home
  • Medical insurance from an insurance company in Canada
  • The Super Visa must be applied for from outside of Canada.
  • You must be allowed to enter Canada
  • Take a medical exam
  • Leave by your own choice at the end of your stay in Canada

The Benefits of Having Super Visa Insurance

There are several different ways to benefit from Super Visa Insurance, which shows why you should get this type of insurance.

  • when returning to your home country for a visit, you won’t have to cancel any insurance coverage before returning to Canada.
  • You may be able to get a partial refund for days that remained un
  • Used, especially if you return to your home country earlier than planned.
  • You get 24-hour emergency Travel Assistance.
  • You can get $100,000 for medical coverage for up to one year.
  • You don’t need to get a quote when doing medical questionnaires
  • No extra costs or deductibles when doing a claim

How Does Super Visa Medical Insurance work?

For a whole year in Canada, 365 days, you can have insurance coverage. There is no exclusion of expiry date. You can go back to your home country without canceling coverage, and return to Canada. There are special rates for those over 89 and deductible options per claim deductible.

Different from regular visas for visitors, Super Visa insurance lets you stay in Canada for two years, and the insurance is good for ten years. Other visitor visas only give you six months at a time.

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What Does Super Visa Medical Insurance Cover?

You may be wondering why you should get Super Visa Insurance coverage. The list below shows what Super Visa medical insurance covers.

  • Emergency dental care
  • Emergency medical care
  • Prescription medication
  • Remains repatriation
  • Basic assessment in ER
  • Outpatient visits
  • Ambulance services
  • Follow up treatments
  • Surgery
  • Nursing care
  • Diagnostics and X-rays,
  • Compassion accommodation
  • Medical appliance rental and purchase
  • Other medical services.

Diseases and Pre-Existing Conditions

If you have a pre-existing condition, you can still get Super Visa coverage, even if the condition is not covered by OHIP or other health plans. You can still find a plan that will cover pre-existing conditions. Standard travel policies don’t always offer coverage, but Super Visa does.

As for diseases, below is a list of some that are covered by Super Visa.

  • Parkinson’s
  • Alzheimer’s
  • Stroke
  • Schizophrenia
  • Diabetes
  • Issues with major organs
  • Past surgery issues
  • Blood pressure issues
  • Anything that is resulting from a pre-existing condition.

Make sure you read through the policies to choose the one that suits you best. You should understand what is included in the policy you choose and what is not. You don’t want to get a claim declined.

As you can see, Super Visa insurance just makes sense when parents and grandparents are visiting from another country. Get Super Visa Insurance, and let your relatives have a visit they will remember.

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