Super Visa Insurance - Indian Family with Grand Parents

Super Visa Insurance in Canada

The Super Visa allows parents and grandparents to visit family in Canada for up to five years at a time. A mandatory part of the application process is securing private medical insurance. Since visitors are not covered by provincial healthcare, this insurance ensures that medical costs are managed without financial strain on the host or the Canadian healthcare system.

Key Benefit

Super Visa Insurance is mandatory for visa approval. Without valid coverage from a Canadian insurance provider, your application will not be processed, making it an essential part of the application process.

Mandatory Insurance Requirements

To meet the requirements set by Immigration, Refugees and Citizenship Canada (IRCC), a policy must fulfill specific criteria. If these standards are not met, the visa application will be refused.

Super Visa Insurance application requirements:

  • Coverage Amount: The policy must provide a minimum of $100,000 in emergency medical coverage.
  • Duration: It must be valid for at least one year from the date the visitor enters Canada.
  • Approved Providers: Policies must be purchased from a Canadian insurance company or an authorized international provider recognized by the OSFI.
  • Payment Status: The premium must be paid in full; a simple quote or partial payment is not sufficient for the application.

Standard Coverage Features

Super Visa insurance is designed to cover unforeseen medical emergencies. Most plans include the following benefits:

  1. Hospital Quote

    Costs for hospital rooms, nursing, and semi-private ward stays.

  2. Medical Services

    Treatment from physicians, surgeons, and specialists during an emergency.

  3. Diagnostic Tests

    Necessary lab work, X-rays, and other essential imaging.

  4. Prescription Medications

    Medications required for emergency stabilization.

  5. Repatriation

    Expenses for returning the patient to their home country for further treatment or in the event of death.

Factors Influencing Costs

The price of a Super Visa insurance policy is not fixed. Several variables determine the final premium:

  • Applicant Age: Older travelers generally face higher premiums due to increased health risks.
  • Deductible Selection: Choosing a higher deductible (the amount you pay before the insurance kicks in) lowers the overall cost of the policy.
  • Pre-existing Conditions: Policies that cover stable pre-existing conditions (like controlled diabetes or blood pressure) cost more than "accident-only" or basic emergency plans.
  • Policy Limits: While $100,000 is the minimum, increasing the limit to $150,000 or $200,000 will raise the premium.

Tips for a Smooth Application

  • Verify Refund Policies: Ensure the insurer offers a full refund if the visa is denied.
  • Partial Refunds: Check if the company provides pro-rated refunds if your guests decide to return home earlier than one year (provided no claims were filed).
  • Review Stability Periods: If covering pre-existing conditions, ensure the medical condition has been "stable" for the timeframe required by the insurer (usually 90 to 180 days).

Don't let medical uncertainties complicate your family's visit to Canada. Our comprehensive Super Visa Insurance plans provide peace of mind for you and your loved ones. Contact our experienced team today to learn more about your coverage options.

Frequently Asked Questions

Find answers to common questions about Super Visa Insurance

Super Visa medical emergency coverage is required to be submitted by all Super Visa applicants along with the application package to the Immigration, Refugees and Citizenship Canada (IRCC) office.

You can always buy a parent Super Visa medical coverage online through our website or contacting us by phone +1(639)471-1477.

As you know, the price of an insurance policy for Super Visa Canada program may vary depending on the several factors such as the amount of coverage, applicant’s age, deductible, etc. In order to get the exact price for a Canadian health coverage for Super Visa all you need to do is to use our interactive calculator above.

You will see the whole list of available options that are sorted according to the information you have provided. If you are looking for the cheapest health plan acceptable for Super Visa program, you will be more than happy to see what we have to offer.

Yes, you must maintain $100,000 medical emergency coverage at all times while in Canada as well as you re-enter the country. You may be asked to present a proof of medical coverage at the Canadian border. The price of such policy will largely depend on the total amount of coverage you choose.

Yes. Most health coverage policies for Supervisa do come with a special benefit that covers pre-existing medical conditions that have been stable for a certain amount of time, which is set by the insurance provider of your choice.

Yes, you will receive a full premium refund in case Super Visa is not granted. You will need to submit to us a Refund Form along with a copy of rejection letter.

In case of early departure, you will be partially reimbursed for the unused time on the policy period only if there were no claims made. For instance, if you are staying in Canada only 3 months and did not have any claims, you will be eligible for a 9 months refund.

Super Visa Insurance can be issued quickly, often within 24-48 hours of application approval. In many cases, same-day issuance is available depending on your application. You'll receive your policy documents immediately via email for submission with your Super Visa application.

Yes! Since December 7, 2022 Monthly Payment Plans for Super Visa insurance policies are once again being officially accepted by IRCC.

Unfortunately, the cost of medical coverage plan for Super Visa is not considered tax deductible by Canada Revenue Agency (CRA) as opposed to Health & Dental coverage expenses.

Once you purchase the policy, you will receive an email that contains the actual document. All you need to do is to upload it to you IRCC account or print and send it along with the paper application package for Super Visa to IRCC.

Yes. Once you receive your policy, you should always carry a proof of it with you on a trip to Canada.

It is mandatory that medical coverage for Super Visa program is purchased from a private Canadian company, valid for no less than 1 year and has at least $100,000 worth of total coverage. It is also essential that the policy covers hospitalization, repatriation and emergency medical care.

Still have questions?

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