If you are planning to bring your parents or grandparents to Canada for an extended stay, the Super Visa is a great option. It allows them to stay in Canada for up to two years at a time. However, to apply for a Super Visa, one of the key requirements is to have valid medical insurance. In this guide, we will explain everything you need to know about medical insurance for Super Visa applicants.
What is Super Visa Medical Insurance?
Medical insurance for Super Visa is a private health insurance policy that covers emergency medical costs for the visiting parent or grandparent. This insurance is mandatory for the Super Visa application and must meet certain government standards. It helps cover expenses like hospital stays, doctor visits, ambulance services, prescription drugs, and more.
Why Do You Need Medical Insurance for a Super Visa?
Canada does not provide free healthcare for visitors. Medical treatment in Canada can be very expensive. A short visit to the emergency room can cost hundreds or even thousands of dollars. Medical insurance protects your loved ones from these high costs and ensures they can get the care they need during their stay.
Government Requirements for Super Visa Insurance
To be accepted by Immigration, Refugees and Citizenship Canada (IRCC), the insurance policy must meet these conditions:
- Must be valid for at least one year from the date of entry
- Must cover healthcare, hospitalization, and repatriation
- Must provide at least 100,000 dollars in coverage
- Must be from a Canadian insurance company
Without proof of this insurance, the Super Visa application will be rejected.
What Does Super Visa Insurance Cover?
A typical Super Visa medical insurance policy includes:
- Emergency medical treatment
- Hospital stays and surgeries
- Diagnostic tests like X-rays or blood work
- Prescription medications
- Emergency dental care
- Repatriation in case of death
Some policies may also include coverage for accidental injury and travel-related issues like trip interruption or lost baggage.
How Much Does Super Visa Insurance Cost?
The cost of medical insurance for Super Visa depends on several factors, such as:
- Age of the applicant
- Duration of the stay
- Amount of coverage
- Pre-existing medical conditions
- Deductible chosen
On average, the cost ranges between 800 dollars and 2,000 dollars per year. Applicants over 70 years old or with pre-existing health conditions may pay more. Choosing a higher deductible can reduce the premium.
Can You Get Coverage for Pre-Existing Conditions?
Yes, some insurance plans cover stable pre-existing conditions. A condition is considered stable if there have been no changes in medication or treatment for a specific period, usually 90 to 180 days before the start of the insurance. It is very important to disclose all medical conditions honestly during the application process.
How to Buy Super Visa Medical Insurance
Buying medical insurance for a Super Visa is easy with the right guidance. Follow these steps:
- Compare plans – Look at different providers to compare prices, coverage, and features.
- Check for IRCC compliance – Ensure the plan meets all Super Visa requirements.
- Choose your coverage and deductible – Pick a coverage amount and deductible that fits your needs and budget.
- Complete the application – Fill in personal and medical information honestly.
- Pay and receive documents – Once payment is complete, you will receive your policy and proof of insurance by email.
You must include the insurance proof in your Super Visa application.
When Should You Buy the Insurance?
Buy your Super Visa insurance before submitting the visa application. The insurance must be active from the date of arrival in Canada. Some providers allow flexible start dates and easy cancellations if the visa is denied.
Why Choose TravelPolicy for Super Visa Insurance?
TravelPolicy is a trusted provider of medical insurance for Super Visa applicants across Canada. We offer:
- Affordable plans from top Canadian insurance companies
- Flexible coverage for various ages and health needs
- Quick online application and instant policy delivery
- Dedicated customer support
At TravelPolicy, we make sure your loved ones are fully protected so you can focus on enjoying time together.
Final Thoughts
Getting medical insurance for Super Visa applicants is not just a requirement. It is a vital step in making sure your parents or grandparents are safe during their stay in Canada. Choose a plan that offers complete protection and peace of mind.
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