Super Visa Insurance: 5 Key Points You Need to Know
Super Visa insurance is a mandatory requirement for parents and grandparents visiting Canada for an extended period. It protects against unexpected medical expenses and ensures that the visitor can receive necessary care without financial risks. Below are the five key aspects to consider when choosing a policy.
1. Minimum Coverage and duration
To apply for a Super Visa, the insurance policy must:
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provide coverage of no less than $100,000 CAD;
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be valid for at least 12 months from the date of entry to Canada.
These requirements ensure that the visitor is protected throughout their stay and can access emergency medical care under any circumstances.
2. Coverage for Pre-Existing Conditions: With or Without
One of the most important factors is the health condition of the parent or relative. Many insurance companies offer two options:
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A policy that covers pre-existing conditions – usually more expensive, but provides protection in case of exacerbations of chronic illnesses such as diabetes, hypertension, or cardiovascular issues.
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A policy without coverage for pre-existing conditions – a more affordable option, but it may not cover expenses related to previously diagnosed medical conditions.
The choice depends on the traveler’s medical history. If they have chronic conditions, purchasing extended coverage becomes especially important.
3. Emergency Medical Coverage
Super Visa insurance typically includes:
- emergency room services
- hospitalization
- diagnostic testing
- surgeries
- emergency medical transportation
This helps avoid high medical costs in the event of sudden health problems.
4. Refund Options
If the trip gets canceled, the visa is denied, or the stay ends earlier than planned, many insurance providers offer partial or full refunds. This makes purchasing the policy more flexible and less risky.
5. Deductible Options to Reduce the Premium
Many policies allow you to choose a deductible — the amount you pay out of pocket before the insurance coverage takes effect. The higher the deductible, the lower the insurance premium. This can be a useful way to reduce the policy cost.
If you’d like help selecting the best Super Visa insurance plan or understanding the differences between packages, feel free to contact me — I’ll be happy to provide a free consultation and help you choose the ideal policy!
