Super Visa Insurance — The Important Details to Remember

Posted by Samantha Mary Jones on March 2nd, 2020

Parents and grandparents wishing to visit their families in Canada can apply for Super Visa Insurance. The processing time for a Super Visa is anywhere from 8 days to 45 or 50 days, depending on the country your relatives are from.

The validity of a Super Visa is 2 years and once that ends, your relatives can apply for an extension at least 6 months before it expires. Your relatives do not have to stay in Canada for 2 years straight, but they can visit you several times since it is a multi-entry visa, providing multiple entries for up to 10 years. Therefore, there will be no need for them to apply for entry visa each time they visit.

If the citizens and permanent residents of Canada want to bring their parents or grandparents over to Canada to visit them, having a clear understanding of how Super Visa Insurance works is crucial, as it will prevent them from making common mistakes during the filing process.

*You cannot bring dependents on this visa, but you can bring your spouse or common-in-law partner on it.

Super Visa Insurance Eligibility Requirements

One of the primary requirements for Super Visas is that your relatives — parents and grandparents — need to obtain medical insurance coverage from a Canadian insurance company. The health insurance obtained should be valid for one year from the date they arrive to the country and provide coverage of at least 0,000. Each time they enter Canada, their health insurance should be valid. Refer to the following eligibility requirements for Super Visa Insurance:

•  You are allowed to enter Canada legally
•  Proof of you being the parent or grandparents of a Canadian citizen or permanent resident
•  You have acquired health insurance from an insurance company in Canada
•  You have a signed letter from your child or grandchild who has created the invitation to Canada
•  Your child or grandchild has provided their financial statement, stating they will support you during your visit to the country
•  You have cleared the medical examination

Does Super Visa Insurance Provide Coverage for Pre-existing Medical Conditions?

Super Visa medical insurance provides coverage for unforeseen and unexpected sickness or injury, requiring immediate medical attention, in Canada. For instance, your medical coverage may cover the following medical conditions:

•  Flu
  Fever
•  Stroke
•  Broken Leg
•  Unexpected complication of stable pre-existing medical condition

Your medical insurance will not cover a medical condition and/or symptom you experienced before your visit. A pre-existing medical condition is defined an illness, injury, or disease and symptoms that existed before, and, on the date, your medical insurance went into effect. Some of those medical conditions include:

•  High blood pressure or hypertension
•  Heart disease
•  Lung disease
•  diabetes

Most Super Visa Insurance companies may provide coverage for emergency medical expenses that arise due to a pre-existing medical condition, given it has been stable for 90 to 180 days. In this context, stable means:

•  You have not experienced any new symptoms with the severity and frequency of pre-existing having been decreased and you have not undergone any tests that show that your medical condition has worsened.
•  Your doctor has determined that your medical condition has not aggravated.
•  Your doctor has not prescribed you any new prescription medication or a change in prescription medication that you are currently taking.
•  Your doctor has not suggested a change in medical treatment for your condition.
•  You have not been admitted to a hospital and/or you are not waiting for the results of a treatment you recently underwent for your medical condition.

Provide Proof of Funds to Ensure You Meet Canada’s Minimum Income Requirements

The citizens and permanent residents of Canada need to provide their proof of funds to the Canadian government to become eligible to call their parents or grandparents to the country for a visit. The Government of Canada has established these minimum income requirements for the individuals calling their families to the country:

What If Your Super Visa to Canada Gets Rejected?

In most cases, the insurance company that you applied Super Visa Insurance from will either provide you with a full refund or a partial refund.

You will be eligible for a full refund if you apply for it before the medical coverage goes into effect. You will need to provide them with a copy of the rejection letter with your request.

You will be eligible for a partial refund if you return to your country early or you become eligible for health insurance under the Government of Canada during your existing medical coverage. The insurance company will refund you for the number of days you did not use it for.

However, a cancellation fee may apply. You will not be eligible for a partial refund if you have made a claim on it.

The Two Types of Super Visa Insurance Plans

Most Super Visa insurance companies provide you with two types of plans — a monthly health insurance plan and a comprehensive health insurance plan. They can guide you into choosing the right Super Visa Insurance plan according to your requirements. They will provide you information on both types of plans, and will tell you which one is most suited to you based on your current circumstance. This is necessary to ensure that you do not choose the wrong Super Visa Insurance plan.

It is also a good idea to note down any questions you may have for the insurance company beforehand. You are encouraged to ask questions, so they can address your concerns at this stage. For people who do not need a visitor’s visa to travel to Canada, they too can apply for Super Visa Insurance to visit their loved ones.

Be sure to get the insurance from a reliable insurance company in Canada. Once you have an insurance plan, you can apply to Canada to visit your children or grandkids.