Supervisa Insurance
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Super Visa is a long-term, multiple-entry visa for parents and grandparents of permanent residents or Canadian citizens. The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid for up to 10 years.
A regular multiple-entry visa is also valid for up to 10 years, but only allows stays of up to 6 months per visit.
One of the key requirements for obtaining the Super Visa for Canada is insurance. Super Visa applicants must submit proof that they have purchased private medical insurance from a Canadian insurance company which is valid for a minimum of one year and offers a minimum of $100,000 in coverage for health care, hospitalization and repatriation.
On adding deductible on the insurance policy means that you agree to share the expenses in case of a claim. Insurance companies introduced deductibles to avoid a large number of small claims. On the other hand people select deductibles to pay less for insurance.
There are several types of deductible:
Per claim deductible
This applies when the customer pays the deductible amount for each separate incident. It is the most common type of deductible among the travel insurance companies
Per policy deductible
This implies that the insured must pay the deductible only once during the period of the policy and the rest of the covered expenses are paid by the company.
The key difference is that the super visa allows multiple entry periods lasting up to 2 years. Those travelling on a 10-year multiple-entry visa can only stay for up to six months per entry.
A single-entry super visa is also available. This remains at the discretion of a visa officer.
If your parent / grandparent wants to stay with you for longer period of time without the hassle of going back after 6 months it is advisable to apply Super Visa.
An applicant is eligible for a super visa if they have provided proof of the parent or grandparent relationship to the Canadian citizen or permanent resident; undergone a medical examination and are admissible on health grounds;provided satisfactory evidence of private medical insurance from a Canadian insurance company valid for a minimum period of one year from the date of entry that covers the applicant for health care, hospitalization and repatriation,provides a minimum of $100,000 coverage, and is valid for each entry to Canada and available for review by the examining officer upon request; provided a written and signed promise of financial support (e.g., a letter of invitation) from the host child or grandchild for the entire duration the applicant intends to stay in Canada. The letter must be accompanied by evidence of their means of providing such support. This normally means details of the number of persons in the host's household and proof of income at a level meeting or exceeding the low income cut-off for the total number of persons, including the visiting parent(s) or grandparent(s).
- You can choose coverage with or without deductible. The coverage with deductible is cheaper than coverage without deductible.
- In the event of death, up to $10,000 is provided to return your body home, or up to $4,000 for cremation or burial at the place of death.
- Accidental Dental: Up to $3,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
- Accidental Death & Dismemberment benefit is also available for Visitors.
- Transportation of Family or Friend: Up to $3,000 for round-trip economy transportation to bring a family member or close friend to your bedside.
- Attendant: Up to $500 for an attendant (not related to you) to care for your insured travelling companion (under age 18, or reliant on you for assistance), if you are hospitalized for 48 hours or more.
Other additional benefits that can be purchased are:
- Accidental Death and Dismemberment
- Flight Accident
- Trip Cancellation & Interruption
- Baggage
Pre-existing are the medical condition which can be illness, sickness, injury whether diagnosed or not by doctor. Pre-existing is the health condition which existed before buying the super visa insurance. Condition may have received consultation or not it does not matter.
You can buy the super visa insurance which will cover the pre-existing conditions as long as they are stable with the definition of insurance companies, stable means no change in symptoms, dosage, treatment, medical test recommended not completed again term of condition need to be read as it varies from insurance company to company. Stable period can be 90 days to one year. Always consult the doctor if not sure about the health of your parents.
Well, you need to buy insurance from the Canadian insurance companies and it makes your life easy as well for example if there is a claim with hospital dentist doctor its easy quick fast for the Canadian insurance to process the claim easy for the medical facility to put and access the claim, there is the option of the direct billing as well which means in the event when you file claim, insurance companies can pay direct to the medical facilities quicker and faster. Reimbursement is much quicker.
Canadian insurance companies have very great infrastructure and highly regulated and are re-insured by the Assures which pay claim in case the insurance companies goes insolvent. This means that the claim will be paid any way and you are well protected by the Canadian insurance company policy.
- Emergency Hospital & Medical: Up to $5 million for emergency hospitalization (semi-private) and emergency medical services in excess of your provincial or territorial plan.
- Meals & Accommodation: While you're in hospital, insured family members or traveling companions will be reimbursed up to $3,000 for reasonable living expenses.
- Transportation of Family or Friend: Up to $3,000 for economy transportation (one round trip) to bring a family member or close friend to your bedside.
- Return of Traveling Companion: One-way economy airfare to return your insured, dependent traveling companions and one insured family member home, if you returned home by air ambulance.
- Return of Vehicle or Watercraft: Up to $3,000 to arrange the return of the vehicle or watercraft used for your journey if you are unable to do so due to illness or injury.
- Pet Return (Dog or Cat): Up to $300 to return your dog or cat to Canada, if you are hospitalized or returned to Canada under the Emergency Transportation benefit.
- Return of Deceased: In the event of death, we will reimburse up to $10,000 for the cost incurred to return the body to Canada, or up to $4,000 for cremation or burial at the place of death.
- Accidental Dental: Up to $3,000 is payable for emergency repair or replacement of your whole or sound natural teeth caused by an accidental blow to the face.
- Dental Emergencies: Up to $500 for the immediate relief of acute dental pain caused by other than a blow to the face.
- Emergency Transportation: Transportation to the nearest appropriate medical facility should you suffer a covered emergency sickness or injury.
- Attendant: We will arrange for an attendant to travel with your insured, dependent traveling companions if you are returned home by air ambulance.
- Act of Terrorism: We will cover losses otherwise payable under this plan resulting from an act of terrorism, up to an aggregate limit for all eligible policies due to a single act of terrorism.
- Return to Original Destination: Up to $5,000 for one-way economy airfare for you and one insured traveling companion, to the original destination if the emergency that required you to return to Canada is subsequently resolved.