Looking for affordable and reliable insurance for your Super Visa application-Life Care Insurance (2024)

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What is Super Visa Program?

Super Visa Program has come into force from November 4, 2011, in Canada with the sole aim to provide visas to Parents and Grand Parents of Permanent Residents or Canadian Citizens under the family reunification program.

Secondly, this new super visa scheme will offer a temporary visa valid for a period of ten years to parents and grandparents.

Thirdly, a holder of aSuper Visacan stay in Canada for a maximum period of two years without renewing their visa.

Above all, the success rate of this program is very high in comparison to regular visitors to the Canada visa program.

How Much Does Super Visa Insurance Cost?

The cost of super visa insurance, it varies across the different provinces in Canada and all insurance companies have their own individual rates. We do understand that it is quite hectic to explore all options but We at Life Care will provide you with all comparisons regarding rates and benefits to make an informed decision. Applicants would have to contact their preferred insurance companies directly to get quotes that meet their requirements. Super Visa Insurance can be purchased for couples also and can be paid on a monthly basis. The age, preconditions, and duration factors also affect the pricing.

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Requirements to qualify for super visa program

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The sponsor must give a written statement that he or she will give you financial support.

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The person must be allowed to enter Canada.

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Letter of invitation from your child or grandchild.

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In the application one must provide proof that your child or grandchild meets the minimum income threshold.

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Have medical insurance coverage for one year with a minimum of $100,000 coverage.

The Super Visa Insurance policy has following key benefits

  • Details about Maximum liability available to a maximum amount; that can be purchased.
  • Emergency medical treatment for sickness or injury whether in-patient or out-patient.
  • Services of physician, surgeon, anaesthetist, registered graduate nurse.
  • Private duty nursing.
  • X-rays and laboratory services.
  • Rental of essential medical appliances.
  • Non-emergency treatment: if treatment is a direct result of the initial emergency, Ambulance Including Mountain and sea rescue.
  • Prescription drugs amount and number of days’ supply.
  • Professional medical services of a practitioner; including a licensed physiotherapist, chiropractor, chiropodist, osteopath and podiatrist.
  • Emergency air transportation for air evacuation or airfare back to Canada or country of residence for treatment and medical attendant, Return of insured, travelling companion.
  • One-way economy airfare back to point of departure if insured is transported or repatriated back to Canada.
  • Family transportation: One return economy airfare or ground transportation costs and coverage for day for meals and accommodation.
  • Out of pocket expenses, while hospitalized on scheduled return date.
  • Child care
  • Accidental Dental and Dental pain coverage
  • Maternity coverage, childbirth or complications during the 9 weeks prior to the expected delivery date
  • Repatriation and Burial/cremation at place of death (excluding cost of a burial coffin or urn)
  • Return of vehicle
  • Accidental death and dismemberment

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Is The Super Visa Insurance a Compulsory Legal Requirement?

The Super Visa Insurance is considered mandatory since it has to be obtained beforehand at the application for Visa or at the time of entering Canada on Super Visa. Canada’s visitors are not eligible for the provincial and healthcare plans and need anotherpolicyto cover. The super visa is used by the elderly who are susceptible to health issues. Therefore, it makes it compulsory to have coverage when coming into the country.
Sometimes not everyone may need serious treatments that cost millions. The policy tries to cater to the minor medical treatment that may come about due to weather changes and old-age-related problems. If you don’t have a reliable insurancepolicy, the medical expenses can add up and leave you in overwhelming debt. All the medical treatments are protected and covered effectively with the Super Visa.

The super visa is also mandatory when you want to spend more time in the country than when you use the usual visitor’s visa. Parents and grandparents who want to help their children raise their babies need to have more time with their family, and you can only have the extended time with the super visa. Such issues make it compulsory for all elders to get into the country to visit their loved ones.

Can I Get Coverage for Pre-existing Condition In a Super Visa Insurance?

Individuals looking to secure Super Visa Insurance for their loved ones coming into Canada get inquisitive about the plans coveringpre-existing conditions. People with pre- existing conditions like Congestive Heart disease, Diabetes, Cancer, Brain Disorders, Stroke, Liver or Major Organ Problems and other conditions can get fully covered if the insurance company elegibility conditions are met. We at Life Care have extensive experience dealing with people having chronic health issues and we can get you proper Sper Visa Insurance without any hassel. Patients with more than one chronic health issues must act with caution by checking the eleigibility and exclusions with the insurance company they are going with for their Super Visa Insurance.

What Do You Need to Get the Super Visa?

Getting the super visa may not prove to be as hard as some people may think. The process is effortless, and the application process is super easy. First and foremost, you have to be eligible to get a visa. Therefore, you need to be a parent or grandparent of a Canadian citizen or a permanent resident in the country. Other requirements occur in the following order:

  • 1

    The Canadian relative writes a letter that promises to provide financial support for all the stay in the country.

  • 2

    The letter would be best to show their minimum income and attach it with their legal Canadian passport or PR card.

  • 3

    The grandparents or parents then undergo a medical checkup to ensure they are medically admissible into the county. It may also help to find the right cover to use during their stay.

  • 4

    Provide proof of sufficient medical insurance from a credible Canadian insurance company.

After all these requirements are taken into account, the person is eligible to get their super cover. The health coverage provided by the insurance company should have a minimum of $100000. The visitors are allowed to pay for any medical expenses or injuries during the stay.

How Much Does It Cost to Get the Super Visa Insurance Coverage?

The price varies, with different insurance companies offering variable rates. It is highly recommended to purchase the cover as a couple since it is more affordable than when taken as individual parties.
Insurance companies apply different factors to develop the different rates they use to offer the insurance covers. These factors include:

The age of the applicants

The health history of the applicants

The deductible account

The length of thepolicy

Amount provided at coverage

What Does the Super Visa Insurance Cover?

The differentpoliciesprovide different coverages. However, the standard Coverages are primarily offer health benefits to the elderly visiting the country. It is hard to say that they may never fall ill during an extended visit or have to go for a medical checkup even when it is not life-threatening.

The cover include:

Emergency medical fees

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X-rays

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All routine doctors’ fees involved

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Prescription of drugs

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Emergencydental

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You may choose to pay for more coverage that will satisfy their individual needs. Such coverage provides robust health benefits during the stay. The applicant will return home and back again multiple times, and the coverage will still be legal for use.

FAQ

a) Does the Super Visa Insurance cover pre-existing conditions?

Don’t forget to discuss the condition of your parent or grandparent with a licensed avisor at the time of buying the coverage. All Insurance Companies do not consider all type of pre-existing conditions. To be eligible to buy you must check the eligibility criteria and Exclusions in thePolicy Bookletor talk to an advisor. You will get the protection as per your needs after consultation and learning about all the available resource.

b) How much Super Visa insurance should I Need?

The Coverage you need depends on age, health, pre-existing conditions, and of course your own choice and how long you are willing to stay in Canada. The minimum coverage amount set by the Government of Canada is $100,000. The longer you stay, the higher the amount you need.

c) If I’m a visiting person in Canada, can I apply for a Super visa for my parents?

No, You need to be either a permanent resident or a citizen to apply for a super visa for your parents.

d) What will happen if the Visa gets denied or when my parents have to leave sooner, than expected?

If the visa gets denied you will get 100% refund from the insurance company. if your parents have to leave sooner than expected you will get a refund for the unused period of your coverage provided you have no claims.

e) At what time will the coverage begin to operate?

The coverage generally starts when you leave the home country that means you are covered in transit with certain conditions but certain companies start coverage the moment you land in Canada. In case of any changes, you can also change the date on the cover.

f) Do I need to use a Canadian Company to buy the Super Visa Insurance?

Yes, it is a requirement by law. It is also beneficial since Canadian companies understand all that is required to make your application successful and also satisfying claim experience.

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Stay At Hospitals In Case Of Emergency Can Be Very Costly

The purpose of Super Visa insurance is to cover hospital expenses in case of emergency. The hospitals across Canada charge different rates in case of emergency. The charges for room, initial consultation, surgery, ambulance services, medical test and diagnostics and cost for procedures vary hospital to hospital.

Stay At Hospitals In Case Of Emergency Can Be Very Costly

  • $15.25 per day for basic television in Ontario
  • $750 initial fee for visiting the emergency room in British Columbia
  • $1,099.35 for medically essential ambulance transport in Nova Scotia
  • $3,100 per day for a semi-private room in Ontario

The Cost For Medical Procedures Is Also Important To Research. It Can Cost As Much As:

  • $20 for 5 cm of sutures in Newfoundland
  • $49 for an x-ray (plus hospital fee) in Ontario
  • $598.40 for an appendectomy in the Yukon
  • $670.65 to repair a broken leg (open reduction of a lower leg fracture) in Manitoba
  • $7,000 minimum to put in or replace a pacemaker in British Columbia

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Looking for affordable and reliable insurance for your Super Visa application-Life Care Insurance (2024)

FAQs

How much insurance required for super visa in Canada? ›

What are the requirements for a Super Visa application? As part of the application process, applicants must confirm they have: A minimum of $100,000 CAD in emergency medical travel insurance coverage in place for at least one year after arriving in Canada. Proof that the medical insurance premium has been paid.

How much is Canada visa insurance? ›

How much does super visa insurance cost? The average super visa insurance cost for one person travelling to Canada for one year is between $100 and $200 dollars per month, but it varies a lot. For couples, purchasing insurance together will be cheaper than two individual policies.

Which is insurance is better for visitors to Canada? ›

The 10 best travel insurance companies for visitors to Canada in 2024 are: Best travel insurance for comprehensive coverage: Manulife. Best travel insurance for pre-existing conditions: Tugo. Best travel insurance for international students: Allianz.

Can you cancel super visa insurance? ›

In case you could not get Supervisa then the full amount of premium would be refunded. However, in certain occasions, you might decide not to avail Supervisa insurance and want to cancel it after getting the Supervisa. In such scenario refund of the premium amount would be subject to applicable cancellation charges.

What is minimum income for super visa Canada? ›

What are the Super Visa Eligibility Requirements for the Sponsor?
Size of Family UnitMinimum necessary gross income
3 persons$40,742
4 persons$49,466
5 persons$56,104
6 persons$63,276
4 more rows
Mar 5, 2024

What is the rejection rate for super visa in Canada? ›

From the time it was first unveiled, close to 11000 super visas have been given. The acceptance rates for super visas have remained consistent at 80%. It is not surprising that the program keeps gaining popularity because these visas are awarded in just less than eight weeks of application.

What kind of insurance do I need for a super visa? ›

Super visa insurance is a type of travel medical insurance plan that you can purchase for your parents or grandparents when they apply for a super visa. This type of insurance helps pay for unexpected medical and dental costs that family members (with super visas) may experience when they come to Canada.

Does American health insurance work in Canada? ›

Canada provides world-class hospitals and top-ranked health care in the event of a medical emergency. However, U.S. government health insurance plans do not pay for hospital costs, medical expenses or prescription drugs for visitors to Canada.

How long does it take to get a super visa in Canada? ›

Another advantage of Parents and Grandparents Super Visa is its relatively short processing time of approximately 8-weeks. The application for this visa is made to a visa office outside of Canada. The applicant for a Parents and Grandparents Super Visa must meet certain criteria.

Can I buy visitor insurance after arrival? ›

While it is strongly advisable to arrange a visitor insurance plan before your trip to the US, purchasing coverage after your arrival is possible. Whether due to unforeseen circ*mstances or changes in plans you can still protect your health and finances by obtaining visitor insurance promptly.

Can I buy visitor insurance after arrival Canada? ›

Visitors to Canada emergency medical coverage can be purchased prior to their arrival in Canada or within the first 7 days after they enter our country. If they purchase it after they arrive, during the first 48 hours there is no coverage for a medical condition, but there is coverage for accidents or injuries.

Can visitor buy life insurance in Canada? ›

Basically, anyone who wants to visit our country would be eligible to apply for visitor's insurance: Tourists visiting from another country. Canadians who are coming back to the country and newcomers who are waiting for admissibility to provincial health coverage. Foreign students and international workers.

What is 10 year super visa Canada? ›

It is an enhanced Temporary Resident Visa for parents and grandparents of a Canadian or permanent resident, who wish to stay in Canada for extended stays of up to 2 years in a 10-year period. For comparison sake, a regular TRV is valid for up to 6 months per year in a 5-year period.

Is visa insurance refundable? ›

However, super visa applicants are required to submit proof of insurance with their visa application. As a result, clients whose applications are rejected must seek a refund of their insurance premium. Fortunately, in the majority of cases, full refunds are available for those whose visas are denied.

Is there a cancellation fee for Allianz travel insurance? ›

The customer will be given a full refund of the premium paid to Allianz Partners, provided that they have not already started their journey or they do not want to claim under the policy. service fee is not being charged by Allianz Partners.

Is insurance mandatory for Canada visa? ›

Travelling to Canada is not tied to the purchase of travel insurance. However, it is strongly encouraged for all travellers visiting the nation.

How much is health insurance in Canada for foreigners? ›

Cost of Health Insurance in Canada

Health insurance in Canada for international students can vary depending on the location and the insurance company. On average, yearly premiums for health insurance in Canada range from CAD 600 to 900.

Can super visa be rejected in Canada? ›

Why Super Visas Get Rejected. While the super visa program is a boon for many families, it's important to understand that not all applications are approved. Various factors can lead to rejection: Insufficient Financial Support: Applicants must be financially supported by their child or grandchild in Canada.

How much biometric fees for super visa Canada? ›

Biometrics
Fees$CAN
Biometrics – per person85.00
Biometrics – per family (2 or more people) Maximum fee for a family of 2 or more people applying at the same time and place170.00
1 more row
Feb 20, 2024

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