Super Visa Insurance – Complete Guide

Call +1-437-238-8119, Bahadur Singh, Licensed Insurance Broker.

Super visa insurance is a type of insurance that is designed specifically for individuals who are applying for a “super visa” to visit their family members in Canada. A super visa is a type of long-term visitor visa that allows parents and grandparents of Canadian citizens and permanent residents to stay in Canada for up to two years at a time, and is valid for up to ten years.

To be eligible for a super visa, applicants must provide proof of private medical insurance that is valid for at least one year from a Canadian insurance company and meets certain requirements set by the Canadian government. This insurance must cover the applicant for health care, hospitalization, and repatriation.

Super visa insurance policies typically provide coverage for emergency medical expenses, hospitalization, and emergency transportation. They may also offer coverage for trip interruption, trip cancellation, and accidental death and dismemberment. The cost of super visa insurance can vary depending on several factors, including the age of the applicant, their health status, and the length of their stay in Canada. It is important to compare different insurance policies and providers to find the best coverage at the most affordable price.

Top Super Visa Insurance Companies in Canada

There are many insurance companies in Canada that offer super visa insurance policies. Here are some of the top insurance companies that provide super visa insurance:

Tips to help you buy the best Super Visa Insurance:

Research Multiple Providers

Take the time to research and compare multiple insurance providers that offer Super Visa Insurance. Look for providers with a good reputation, positive customer reviews, and a strong financial standing. We are here to help you with your research. Just fill out the form and we do it for you.

Coverage and Benefits

Review the coverage and benefits offered by different insurance policies. Pay attention to the coverage limits for medical expenses, hospitalisation, and emergency medical evacuation. Consider additional benefits, such as coverage for pre-existing conditions, dental care, vision care, and trip interruption or cancellation coverage. Always read the policy wordings. We are here to discuss the policy wordings and match the plan to your needs.

Policy Exclusions and Limitations

Carefully read the policy exclusions and limitations to understand what is not covered. Look for policies with fewer restrictions and exclusions that align with your specific needs. Some common travel insurance exclusions are:-
– Not travelling against the doctor’s advice.
– Not travelling against the travel advisories and warnings.
– Person with terminal illness.
– Not participating in life-threatening activities or risky sports.
– Driving or travelling under the influence of drugs.
– Intention of travel should not be medical treatment.

Please note these exclusions are for your reference purpose only. We encourage you to read the exclusions section in the policy wording.

Pre-Existing Conditions

If you have pre-existing medical conditions, make sure the policy covers them or offers a waiting period after which coverage for pre-existing conditions begins. Consider policies that provide adequate coverage for pre-existing conditions without excessive waiting periods. Some common stability periods of pre -existing health conditions are 90, 120, and 180 days. However, we have providers for the shortest stability period such as 7 days.

Deductibles

Consider the deductibles associated with the insurance policy. A higher deductible may lower the premium but means you will have to pay more out of pocket before the coverage kicks in. Evaluate your budget and choose a deductible that you are comfortable with. Please note the deductible may be pinching too. You might have to pay the bill up to a deductible amount whenever you go for treatment.

Premium Costs

Compare the premium costs from different insurance providers. Remember that the lowest premium may not always provide the best coverage. Consider the overall value of the policy, including coverage limits, benefits, and customer service. We have all Canadian super visa insurance companies available, so it is easy to choose from the cheapest to the best one.

Financial Stability of Super Visa Insurance Provider

Check the financial stability of the insurance provider. Look for providers with a strong financial rating to ensure they will fulfil claims and provide support when needed. Always check the market value of the insurer, beware of overnight companies.

Customer Service

Consider the customer service reputation of the insurance provider. Read reviews and feedback from customers to gauge their level of responsiveness, helpfulness, and claims handling process.

Policy Duration and Renewability

Ensure that the policy meets the Super Visa program’s requirement of being valid for at least one year. Also, confirm that the policy is renewable if you plan to stay in Canada for a longer period. We send reminders to our clients before the policy expiry date, so they never stay uninsured.

Seek Professional Advice

Our team of dedicated professionals is available 24/7. We are available on WhatsApp, email and over the phone to answer your questions. If you are unsure about the best Super Visa Insurance for your needs, consider consulting an insurance broker or seeking advice from professionals who can guide you through the process and help you find the most suitable policy.

Super Visa Insurance Cost

A multitude of factors influences the cost of Super Visa Insurance, each contributing to the final price one must pay to obtain this coverage. These factors include, but are not limited to, the age of the applicant, their medical history, and the overall duration of their stay.

Age of the Applicant

The age of the applicant is a significant factor in determining the cost of Super Visa Insurance. Older individuals may have higher premiums due to increased health risks and a higher likelihood of requiring medical care during their stay in Canada. Please note if you extend the date of the already purchased plan, there may be a premium difference because of age.

Coverage Amount

The coverage amount you choose for Super Visa Insurance can impact the premium. Higher coverage limits will typically result in higher premiums. As per immigration Canada, you need a minimum 100,000 coverage. However, you can buy coverage from 100K to 1 Million.

Policy Duration

The length of coverage required for the Super Visa program affects the premium cost. Longer coverage durations, such as policies that provide coverage for two years, will generally have higher premiums compared to policies with shorter durations. As per immigration Canada, you need 1 year of coverage every time you enter Canada on a super visa.

Deductible Amount

The deductible is the amount you must pay out of pocket before the insurance coverage kicks in. Choosing a higher deductible can lower the premium but means you will have to pay more upfront in case of a claim. Deductibles are good to reduce premium, but may be pinching at claim.

Pre-Existing Medical Conditions

If you have pre-existing medical conditions, it may affect the premium cost. Some insurance providers may exclude coverage for pre-existing conditions altogether, while others may offer coverage with a higher premium or a waiting period before coverage begins.

Insurance Provider

Different insurance providers may have varying premium rates for similar coverage. It’s essential to compare quotes from multiple providers to find the best premium for your needs. We have all Canadian companies available. Contact us if you have questions about choosing the right coverage.

It’s important to note that the premiums can vary significantly between insurance providers and policy options. It’s advisable to obtain quotes from multiple providers, review the policy details, and compare the coverage and premiums to find the best option that suits your needs and budget.

Super visa insurance frequently asked questions.

How much does a super visa insurance cost?

We have plans starting as low as 65/Month. Save up to 45% with deductible. The super visa insurance cost depends upon age, health condition of applicant, amount of coverage, type of coverage and insurer.
We work with all Canadian super visa insurance companies and can source out the best one for you.

What documents are required for super visa insurance?

Applicants’ Name, Date of Birth, Email, Health Information and Payment information are required to buy super visa insurance.

Do you need travel insurance for a Super visa?

Yes, travel insurance is a mandatory requirement for the Super Visa program in Canada. In order to obtain a Super Visa, applicants are required to provide proof of private medical insurance coverage from a Canadian insurance company. This insurance must meet certain criteria set by the Government of Canada.

The Super Visa insurance must:

• Be valid for a minimum of one year from the date of entry into Canada.
• Provide coverage for healthcare, hospitalisation, and repatriation.
• Have a minimum coverage amount of $100,000.
• Cover the applicant for each entry into Canada and be valid for the entire duration of their stay.

The purpose of this insurance requirement is to ensure that applicants have adequate coverage for any medical emergencies that may arise during their stay in Canada. It helps protect both the applicants and the Canadian healthcare system from potential financial burdens.

Can Super visa insurance be paid monthly?

Yes, you can pay monthly for super visa insurance. We have RIMI – Secure Travel and Travelance, both offer monthly payment plans. However, there is a onetime admin fee associated with the monthly payment plan, but still it is easy to pay in instalments then lump sum.

Can I get a refund for super visa insurance?

Super Visa Insurance may be refundable, but it depends on the specific policy and insurance provider. Here are some factors to consider regarding the refundability of Super Visa Insurance:

Cancellation Period

Most insurance policies have a cancellation period during which you can request a refund if you change your mind or decide not to proceed with the Super Visa application. The cancellation period is typically a specific number of days from the date of purchase, such as 10 or 15 days. If you cancel the policy within this period, you may be eligible for a full refund of the premium paid.

Unused Coverage Period

If you decide to cancel the Super Visa Insurance after the cancellation period has expired, you may be eligible for a partial refund of the premium based on the unused coverage period. The insurance provider will typically calculate the refund based on a pro rata basis, taking into account the remaining number of days or months of coverage.

Administrative Fees

Some insurance providers may charge administrative fees for processing cancellations and refunds. These fees can vary and may reduce the amount of refund you receive.

Claims History

If you have made any claims under the policy before requesting a cancellation, it may affect the refund amount. Insurance providers may adjust the refund based on the claims history and the expenses incurred during the coverage period.

Visa Refusal

Most super visa insurance provides fully refund the policy on visa refusal. However, you might have to produce the proof of denial. If you buy with us, we will take care filling up refund forms and contacting the insurer.

Refund on Status Change

If you become eligible for provincial coverage, they refund the remaining amount. In some cases, they deduct the admin fee from the refund amount.

What is the minimum insurance for a super visa?

The minimum insurance requirement for the Super Visa program in Canada is $100,000 in coverage. This means that the insurance policy must provide a minimum coverage amount of $100,000 for healthcare, hospitalisation, and repatriation.

Does super visa insurance cover doctor visits?

Yes, Super Visa Insurance typically covers doctor visits as part of its medical coverage. The purpose of Super Visa Insurance is to provide comprehensive medical coverage for Super Visa applicants during their stay in Canada.

Doctor visits are considered a basic medical service and are covered by Super Visa Insurance policies. This means that if you require medical attention from a doctor while in Canada, the insurance policy should provide coverage for the associated costs. You should carefully review the specific details of the insurance policy, as they can vary in terms of coverage limits, deductibles, and other conditions depending on the insurance provider.

When purchasing Super Visa Insurance, it’s advisable to carefully review the policy documents, including the coverage details and any exclusions or limitations. This will help you understand the extent of coverage for doctor visits and ensure that it meets your specific needs.

Does Super visa insurance cover dental?

Yes, all super visa insurance companies cover dental injuries and pain treatment. There are dollar amount limitations on coverage. Mostly they cover from 500 to 4000. Please go through the plan conditions for more information.

When should super visa insurance start?

Your plan should start on the date of landing. We are here to help if you need to extend the date. When you choose a new date for a date extension, it may result in a change in premium, because the new date could fall into the next birth year of the applicant.

Does Super visa insurance cover pre-existing conditions?

Almost all super visa insurance companies cover pre – existing medical conditions. There is a stability period associated with the coverage with pre -existing medical conditions. So always read policy wording or contact us for further information.

Whether pre-existing conditions are covered under a super visa insurance policy depends on the specific terms and conditions of the insurance provider and the policy that you choose. Some super visa insurance plans may offer coverage for pre-existing conditions, while others may have exclusions for pre-existing conditions or may provide coverage with certain limitations and restrictions.

It’s important to carefully read and understand the policy details, including any exclusions and limitations, before purchasing super visa insurance. If you have a pre-existing condition, it’s recommended to disclose it to the insurance provider when applying for the policy to ensure you have the appropriate coverage.

Can I cancel super visa insurance after approval?

Yes, you can cancel plans anytime. However, it’s important to understand that canceling a super visa insurance policy isn’t without its consequences. Most insurance providers enforce certain administration fees for the processing of the cancellation. The amount of these admin fees can vary from one policy to another, and from one insurance company to another, so it’s advisable to check the specifics of your policy for the exact figures.

In addition to these fees, customers must also consider cancellation penalties. The insurance company typically determines these penalties by considering the amount of time that has passed since the policy was initiated and whether any claims have been made against it. If you cancel soon after the policy comes into effect, the penalties might be minimal or even non-existent.

What is deductible for super visa insurance?

For example, let’s say you have a super visa insurance policy with a $1,000 deductible. For medical expenses totaling $5,000 in Canada, you would be responsible for the first $1,000 out of pocket, and insurance would cover the remaining $4,000.

When you purchase a super visa insurance policy, you will typically have the option to choose a deductible amount. The deductible can vary depending on the insurance provider and the specific policy you select. Common deductible amounts for super visa insurance range from $0 to $10,000.

How much income do I need for a super visa Canada?

There is a low income cut off set by immigration Canada, it is as follows.

Low income cut-off
Family size Minimum necessary gross income
1 person (your host) $27,514
2 person $34,254
3 person $42,100
4 person $51,128
5 person $57,988
6 person $65,400
7 person $72,814
More than 7 people (for each extra person added) $7,412

We highly encourage you to check the latest super visa income requirements here.

Is medical free for super visa?

The immigration authorities require a panel physician to complete the medical exam. It’s important to understand that the applicant must pay for the cost of the medical exam, as the government does not cover it.

Obtaining a super visa often involves a process that is both meticulous and time-sensitive. A critical step for applicants is undergoing a comprehensive medical examination. This requirement is not merely a formality but an essential precaution to ensure that individuals entering the country do not pose a public health risk.

Can parents work on super visa?

Super visa is a visitor visa. It’s important to understand that individuals entering Canada under visitor status are not permitted to engage in any type of employment in the country. As a visitor in Canada, you cannot work legally.

To work in Canada, you must obtain the appropriate work permit or visa that grants you the eligibility to seek and hold employment. It involves having an employer with an LMIA or a work permit falling under an LMIA-exempt category, like specific free trade agreements.

Additionally, working illegally in Canada under visitor status can have serious consequences, including deportation and being banned from entering Canada for a number of years. Those interested in working in Canada should thoroughly research their options and comply with immigration laws and policies.

How long can parents stay on super visa?

Nowadays, parents can stay up to 5 years in Canada on a super visa. They can apply for a 2 years extension after that, so in total, a super visa holder can stay up to 7 years in Canada.

Can parents on super visa apply for PR?

Yes, if they become eligible they can apply for PR. However, it’s important to note that having a super visa does not automatically grant eligibility for PR status.

Parents and grandparents of Canadian citizens or permanent residents have several options to apply for PR in Canada. Canadian citizens and permanent residents can sponsor their parents or grandparents through the Parents and Grandparents Sponsorship Program, which is a common pathway.

What is the success rate of the super visa?

As per latest statistics, it is 83%. It’s important to note that each application is assessed on its own merits, and the decision ultimately lies with the Canadian immigration authorities. Therefore, success rates can vary from case to case. If you’re considering applying for a super visa, you should carefully review the eligibility criteria, gather all required documentation, and seek guidance from an immigration lawyer or a qualified immigration professional to ensure the best possible chance of success.

Why does supervisa get rejected?

A super visa application can be rejected for various reasons. While I don’t have access to specific data on super visa rejection rates or individual case information, I can provide you with some common reasons why a super visa application may be rejected. These reasons may also apply to other types of visa applications. Here are some factors that could lead to a super visa rejection:

Inadequate financial support

One of the key requirements for a super visa is that the sponsor must demonstrate the ability to financially support the parent or grandparent. If the sponsor’s income or financial situation is deemed insufficient, the application may be rejected.

Incomplete or inaccurate documentation

Providing complete and accurate documentation is crucial for any visa application. If the application is missing required documents or if the provided information is inconsistent or inaccurate, it may lead to a rejection.

Failure to meet medical insurance requirements

Super visa applicants are required to provide proof of private medical insurance coverage for at least one year from a Canadian insurance company. If the insurance coverage does not meet the specified requirements, or if the documentation is missing or inadequate, the application can be rejected.

Ineligibility or inadmissibility

Super visa applicants must meet certain eligibility criteria and must be admissible to Canada. Factors such as criminal history, medical conditions that pose a risk to public health or safety, or previous immigration violations can result in ineligibility or inadmissibility, leading to a visa rejection.

Insufficient proof of relationship

Applicants must provide evidence to establish their relationship as parents or grandparents of a Canadian citizen or permanent resident. If the provided documentation is insufficient or the relationship cannot be adequately demonstrated, it may lead to a rejection.

Lack of intention to return

Visa officers assess whether an applicant has sufficient ties to their home country and whether they have a genuine intention to return after their visit to Canada. If there are concerns that the applicant may overstay their visa or not return to their home country, the application may be rejected.

How long is supervisa valid for?

10 years.

What is the difference between visitor visa and super visa?

A visitor visa and a super visa have distinct purposes and durations for the visit, as well as varying eligibility requirements for the applicant.

Visitor Visa:
A visitor visa, also known as a temporary resident visa (TRV), is a document that allows individuals to enter and temporarily stay in Canada for tourism, visiting family or friends, attending conferences, or conducting business. Visitor visas are typically valid for a shorter duration, usually up to 6 months, but can be extended while in Canada in certain cases.

Super Visa:
A super visa, on the other hand, is a long-term multiple-entry visa specifically designed for parents and grandparents of Canadian citizens or permanent residents. It allows them to visit their family in Canada and stay for extended periods. Super visas are typically valid for up to 10 years and allow visitors to remain in Canada for up to 5 years per visit with no renewal or extension.

What is a stable pre-existing condition?

A stable pre-existing condition is a medical condition that existed before the start of an insurance policy or a specific period, and that has not changed significantly in terms of symptoms, treatment, or medical management during that period.

In insurance, including travel insurance or health insurance policies, the definition of a stable pre-existing condition can vary depending on the specific terms and conditions set by the insurance provider. A stable pre-existing condition is one that has remained unchanged or has been stable within a defined period, often referred to as a stability period.

The stability period can vary between insurance providers, but it typically ranges from a few months to a year. For example, an insurance policy may require that a pre-existing condition be stable for at least 90 days before the start of the policy or the trip for coverage to apply.

During the stability period, if there have been no new symptoms, changes in treatment or medication, medical consultations, or hospitalizations related to the pre-existing condition, it may be considered stable. However, if there have been any changes or fluctuations in the condition during the defined stability period, it may be considered unstable or not meeting the requirements for coverage.