If you plan to invite your parents or grandparents to Canada for an extended stay, the Supervisa Canada program is an excellent option. This special visa allows eligible family members to stay in Canada for up to five years at a time without the need to renew their status. However, one of the key requirements for obtaining a Super Visa is purchasing Super visa insurance Canada. This article provides a comprehensive guide on how to get Super Visa insurance, its benefits, and factors to consider before purchasing a policy.

What is Super Visa Insurance?

Super Visa insurance is a mandatory medical insurance policy required for parents and grandparents visiting Canada under the Super Visa program. It ensures that visitors have adequate health coverage during their stay, reducing the financial burden on the Canadian healthcare system.

Why Do You Need Super Visa Insurance?

The Canadian government requires Super Visa applicants to have medical insurance because visitors are not covered under the country’s public healthcare system. Without adequate insurance, medical expenses in Canada can be costly. Super Visa insurance provides financial protection and peace of mind in case of medical emergencies.

Eligibility Criteria for Super Visa Insurance

Before purchasing a policy, it’s essential to meet the following eligibility criteria:

1. The insurance must be from a Canadian insurance company.

2. The policy must cover a minimum of $100,000 in emergency medical expenses.

3. The insurance must be valid for at least one year from the date of entry into Canada.

4. It should cover hospitalization, healthcare, and repatriation.

5. Proof of purchase must be provided when applying for the Super Visa.

How to Get Super Visa Insurance in Canada?

1. Research Insurance Providers

Start by looking for Canadian insurance companies that offer Super Visa insurance. Some well-known providers include:

• Manulife

• Sun Life Financial

• Blue Cross

• Allianz Global Assistance

• GMS Insurance

Compare their policies to find one that suits your needs.

2. Compare Coverage Options

While all insurance providers must meet the minimum requirements, policies vary in terms of coverage. Look for:

• Pre-existing condition coverage (if applicable)

• Deductibles (higher deductibles usually lower the premium)

• Additional benefits like dental, vision, and prescription drug coverage

3. Get Quotes and Calculate Premiums

Most insurance providers offer online quote calculators. Enter your details, including:

• Age of the insured

• Duration of stay in Canada

• Pre-existing health conditions

Compare multiple quotes to find the most cost-effective policy.

4. Purchase the Insurance Policy

Once you’ve selected the right plan, you can purchase it online, over the phone, or through an insurance broker. Ensure you receive the policy document, which you’ll need for the Super Visa application.

5. Submit Proof of Insurance with Super Visa Application

When applying for a Super Visa, submit proof of your insurance policy along with other required documents, such as a letter of invitation from your Canadian host and proof of financial support.

Cost of Super Visa Insurance

The cost of Super Visa insurance depends on several factors:

• Age of the applicant (older individuals usually pay higher premiums)

• Medical history and pre-existing conditions

• Coverage amount and duration

• Insurance provider and policy type

On average, premiums range from $1,000 to $2,000 per year per applicant. However, this may vary based on the coverage selected.

Factors to Consider When Choosing Super Visa Insurance

1. Coverage for Pre-existing Conditions: If the applicant has any pre-existing health conditions, ensure the policy covers them.

2. Refund Policy: Some insurance companies offer partial refunds if the Super Visa application is denied.

3. Claim Process: Check how easy it is to file claims and the company’s reputation for claim approvals.

4. Customer Support: Opt for insurers with reliable customer service to assist with queries and emergencies.

Common Mistakes to Avoid When Buying Super Visa Insurance

• Choosing the cheapest policy without checking coverage details

• Not disclosing pre-existing conditions, which can lead to claim denials

• Purchasing insurance from a non-Canadian provider

• Ignoring policy exclusions and limitations

Final Thoughts

Getting Super visa insurance Canada is a crucial step in securing a Super Visa for your parents or grandparents. By researching providers, comparing coverage options, and ensuring compliance with Canadian immigration requirements, you can find the best insurance policy for their needs. This ensures that your loved ones have financial protection and access to quality healthcare while enjoying their stay in Canada.