While Canada is prominent for its free healthcare system, it does not extend this coverage to its visitors from other countries, including visiting parents or grandparents. But owning the right emergency medical insurance can ensure visitors stay safe and worry-free in Canada.
Super visa insurance allows visitors to benefit from Canada’s free healthcare system without paying for medical procedures and appointments. This ensures that visitors have insurance coverage that pays for their healthcare, hospitalisation, and repatriation costs if they ever need it.
Medical Super visa insurance Canada is a travel insurance policy specifically designed for super visa applicants. It is a legal requirement for super visa applicants. Many insurers in Canada offer super visa insurance to cover hospital stays, prescription drugs, and repatriation, up to $1 million in coverage.
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 cost of a hospital stay in Canada is $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 |
Do I Have To Purchase Medical Insurance From a Canadian Insurance Company?
Yes, for you to be eligible for a super visa in Canada, you have to 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.
- best for applicants below the age of 70
- very affordable, and beats all other companies in terms of pricing
- easy application process
- high successful claim rate
- excellent customer support
- best for senior applicants over the age of 70 with pre-existing conditions
- competitive pricing
- easy application process
- high successful claim rate
- excellent customer support
1. Secure Travel by RIMI Solutions
Best Super Visa Insurance Canada
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 on a pro-rata basis.
- best for applicants below the age of 70
- very affordable, and beats all other companies in terms of pricing
- easy application process
- high successful claim rate
- excellent customer support
2. Manulife
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 that can cover accidental loss of sight, limb, or life, up to $50,000.
- best for senior applicants over the age of 70 with pre-existing conditions
- competitive pricing
- easy application process
- high successful claim rate
- excellent customer support
Final Thoughts on Super Visa Insurance Canada
In closing, super visa insurance is an important part of your financial planning because it helps cover the costs of potential medical treatments that may arise when your parents and grandparents visit you in Canada.
If you do not have proper coverage and something happens, you are exposed to an expensive medical situation. Therefore, get protected and buy a super visa insurance policy today.
Hi, I'm Adeola Adegoke. I am a licensed Insurance Broker in Manitoba, and I hold a master’s degree in Mathematical Sciences (with a major in Financial Modeling) from the African Institute for Mathematical Sciences (AIMS), Tanzania.
Also, I have a second master's degree in Statistics from the University of Regina, and I am currently pursuing my Ph.D. in Statistics at the University of Manitoba.
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