Super Visa Insurance
Parents and grandparents of Canadian citizens and permanent residents have a new option for visiting Canada. As of December 1, 2011, you may be eligible to apply for the Parent and Grandparent Super Visa and enjoy visiting your family in Canada for up to two years without the need to renew your status.
Super Visa Medical insurance requirements
Along with the application for Super Visa, applicants must submit proof that they have purchased Canadian medical insurance that:
- is valid for a minimum period of one year;
- provides a minimum of $100,000 in coverage;
- covers the applicant for health care, hospitalization and repatriation
- Is valid for each entry to Canada and available for review by a port of entry officer.
Super visa health insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.
Pre-Existing Medical Condition exclusion may apply to a medical condition and/or symptoms that existed prior to your trip. Pre-existing Medical Condition means injury, illness or disease; symptom(s) that exists before and on the effective date of insurance. Coverage for pre-existing medical conditions may depend on your age and the plan you apply for. Generally, most of the policies pay for emergency medical expenses relating to pre-existing medical conditions, which have been stable in 120 -180 days prior to the effective date of the policy. The cost of insurance may depend on whether the plan includes coverage for stable pre-existing conditions or not.
The term Stable in terms of medical insurance is referred to as any of the following conditions:
- There have been no new symptoms, and existing symptoms have not become more frequent or severe, or there have been no test results showing deterioration; and/or
- A physician has not determined that the condition has become worse; and/or
- A physician (or other medical professional) has not prescribed or recommended a change in medication or medical care received for that condition; and/or
- A physician {or other medical professional) has not prescribed or recommended a change in treatment for that condition; and/or
- There has been no admission to a hospital and/or you are not awaiting the results of further investigation for that medical condition.
Any changes in your travelling plans:
If you purchase a policy and then decide to change your travel schedule, you can change your traveling dates (effective date of the policy, arrival date) any time before the effective date of the policy. Effective date means the date on which your coverage begins as indicated on your policy confirmation. It may be the date when you plan your parents arrive in Canada or you get a super visa.
Refunds
If you are denied a visa and refused to entry to Canada, you can apply for refund of premium you have paid for medical insurance. A full refund is available, if you cancelled the policy and requested refund before the effective date of the policy.
You can apply for a partial refund after the effective date of the policy, if you did not get a visa or returned to your home country earlier than the expiry date of the policy. For more information on details of Super visa, eligibility of application or any other queries regarding super visa insurance fill the form to get a no obligation quote or contact me @ 416-799-4343.