If you’re a Canadian resident planning to welcome friends, parents, or grandparents for an extended stay, or a visitor looking to explore the wonders of Canada’s diverse landscape, it’s essential to understand Super Visa insurance.
While renowned, Canada’s free healthcare system does not cover visitors from other countries, including visiting family members. This means non-resident visitors must have the right emergency medical insurance to ensure a safe and protected stay in Canada.
Super Visa insurance is specifically designed for Super Visa applicants, offering coverage for healthcare, hospitalisation, and repatriation costs of up to $1 million. It’s a legal requirement for Super Visa applicants, and various insurers in Canada offer comprehensive plans to meet this need.
In this blog post, we’ll dive into the significance of Super Visa insurance in Canada, explaining its benefits and why it’s crucial for a worry-free visit. We’ll also mention some of the best super visa insurance Canada providers. Let’s explore the essentials of Super Visa insurance, so you can confidently prepare for a secure and enjoyable time with your loved ones in Canada.
What Is Super Visa Insurance?
A Super Visa Insurance is a special type of travel medical insurance designed to cover parents and grandparents of Canadian citizens or permanent residents visiting Canada on a super visa with plans to stay for more than six months.
According to the Canadian Institute for Health Information, the average hospital stay in Canada costs $7,000. Therefore, as you can imagine, medical expenses can add up quickly for foreign visitors who are not covered under the free public healthcare system.
Hence, the parents super visa insurance policies offer superior coverage and protection to them, covering the cost of emergency medical treatments during their stay in Canada.
Having the right emergency health insurance ensures a visitor’s stay in Canada is safe and worry-free. With super visa insurance, parents and grandparents can benefit from Canada’s healthcare system.
What Are The Super Visa Insurance Requirements?
- The insurance policy must provide minimum coverage of $100,000
- The insurance policy must be valid for at least one year from the date you enter Canada.
- You must prove that you have purchased and paid for the insurance policy. Quotes are not deemed to be proof and so will not be accepted.
- Insurance coverage must be purchased from a Canadian insurance provider before your planned arrival in Canada. This is beneficial for an efficient claims process in the future.
- The insurance policy must cover emergency medical care, hospitalization, and the body’s repatriation should the visitor die.
Benefits of Super Visa Insurance in Canada
The super visa insurance offers convenient and affordable protection to Canadian visitors that meet super visa application requirements. They also offer the following benefits:
- Coverage for one year in Canada with no expiry date exclusion
- It covers medicinal services, hospitalization and repatriation costs.
- Reimbursement if your super visa application gets rejected
- Affordable premiums
What Does Super Visa Insurance Cover?
Insurance policy slightly differs, but most insurers render coverage for:
- Emergency medical services
- Hospitalization costs
- Emergency dental care
- Diagnostic services such as x-rays
- Medical evacuation, airlifting, and ambulance services
- Repatriation of remains
Other plans may also cover
- Routine doctor’s checkup
- Prescription drugs
- Travel assistance
- Other special coverages, which vary by the insurance policy and provider
How Much Does Super Visa Insurance Cost
The cost of super visa insurance varies from person to person depending on the individual applicant and their special circumstances and the individual’s destination province or territory.
If you purchase super visa insurance for your parents or grandparents as a couple, you will get cheaper rates than buying two separate policies.
However, the average monthly cost for one person is between $100 and $200, but it is possible to get it for less. A few factors affect the costs of super visa insurance coverage in Canada. They include age, policy length, medical history, coverage amount, and deductible.
Note: You can use various quick comparison tools online to compare prices and determine how much super visa insurance costs.
Single Adult 40 years No pre-existing conditions $800 - $1,800 Two Adults 40 years No pre-existing conditions $1600 - $3,600 Single Adult 70 years No pre-existing conditions $1,700 - $4,600 Single Adult 70 years Stable pre-existing conditions Begins at $2,200
No pre-existing conditions
$800 - $1,800
No pre-existing conditions
$1600 - $3,600
No pre-existing conditions
$1,700 - $4,600
Stable pre-existing conditions
Begins at $2,200
Do I Have To Purchase Medical Insurance From a Canadian Insurance Company?
To be eligible for a super visa in Canada, you must prove that you have sufficient emergency medical insurance from a Canadian insurance company.
You can always have the best deal when you buy super visa insurance from these providers.
1. Best Super Visa Insurance Canada: Secure Travel by RIMI Solutions
Secure Travel offers comprehensive and affordable insurance coverage for visitors to Canada. Their services range from visitor insurance, super visa insurance, travel insurance, and more. They offer affordable premium rates to cover your loved ones’ stable pre-existing medical conditions through their specially designed emergency medical insurance plans.
Rimi Secure Travel has an affordable solution and offers a monthly premium payment option. If the visa isn’t granted, you can get a 100% refund of the premium. You can change the effective policy date as often as possible while your parents wait for their visas to be issued.
If parents or grandparents decide to return home before the entire policy period, you can get partial refunds pro rata.
Manulife offers Visitors to Canada protection from the cost of emergency medical treatment. The cost is covered if you want to temporarily take a trip break to return to your country of origin. At Manulife, you can choose between two plans to help meet your medical needs. Also, you can reduce your premium by selecting a deductible amount you will be responsible for paying.
If you’re under 70, you can get emergency medical care for up to $150,00 and up to $100,000 if you’re 70 or over. Their plans also include Travel Accident insurance covering accidental loss of sight, limb, or life up to $50,000.
Final Thoughts on Super Visa Insurance Canada
As a Canadian resident, the well-being of your friends, parents, or grandparents during their visit is your utmost priority. Super Visa insurance is the key to giving them the peace of mind they deserve.
With Canada’s healthcare system not covering non-resident visitors, having the right emergency medical insurance becomes an indispensable aspect of planning a worry-free trip. Super Visa insurance allows your loved ones to access the country’s exceptional healthcare services without the burden of unexpected expenses, keeping them safe and secure throughout their stay.
Take the first step towards a worry-free journey by now exploring reputable Super Visa insurance options.