Super Visa Insurance Monthly Plan: a Flexible Solution for Extended Stays

There is no doubt that nowadays, many people like us across the globe migrate to other developed countries to get lucrative job opportunities and improve their quality of life. And what can be a better option than Canada these days? 

Getting a visa for Canada has become simpler these days. | Courtesy: unsplash

The Maple country offers skilled foreign workers Strong Economy and Employment Opportunities, a diverse society, an Excellent Education System, healthcare benefits and a stable society. Not only the foreign workers but also their families, and that's why many apply for super visas to bring their parents and grandparents to Canada. 

This excellent immigration policy requires them to purchase insurance to ensure their health and security during their stay. The super visa insurance monthly plan offers peace of mind, protects against unexpected medical expenses and ensures that family reunions are marked by moments of joy and connection rather than worry and uncertainty. 

In this blog, we have discussed the super visa, the latest updates about it and how to avoid common mistakes while purchasing it. 

What is Super Visa Insurance?

Super visa insurance is a travel medical insurance which is designed to protect your parents and grandparents financially in case of any medical emergency while they stay in Canada. Yes, purchasing a super visa insurance monthly plan is a mandatory step in applying for a visa. Otherwise, your application may be declined. 

Not to mention, with such an insurance policy, you can stay with your family for more than 2 years. However, while purchasing the policy, you must check whether the policy provides health care coverage, hospitalization, and repatriation. 

What Does Super Visa Insurance Monthly Plan Cover?

• Hospital care

• Medical emergency coverage worth of $100,000

• Diagnostic services

• Travel assistance

• Prescribed medications

• Dental

• Emergency out-patient services

• Accommodation and meals, essential telephone calls, and child-care costs

• physiotherapy service

• Follow-up post-medical appointments

Remember that super visa insurance does not cover planned dental or vision care (cosmetic surgeries) and routine doctor visits. 

How Much Does Super Visa Insurance Cost?

In the beginning, the applicants had to pay an annual cost to purchase the insurance policy. But it was financially burdensome for the families and they could not bring their families to Canada. That's why Immigration, Refugees and Citizenship Canada (IRCC) made some changes and announced that from December 2022 onwards, applicants can opt for a Super visa insurance monthly plan. 

However, the monthly insurance cost remains between $100 to $200 for each parent or grandparent. Keep in mind that the cost may vary depending on some factors, including, 

• Length of policy

• Age

• Amount of Coverage

• Health & medical history

• Deductible

• Coverage for pre-existing health conditions

What are the Necessary Requirements for Super Visa Insurance?

The minimum requirements are the following;

• The policy must be valid for at least one year from the date of the visa holder's arrival in Canada.

• You must purchase the Super visa insurance monthly plan from a Canadian insurance company.

• The applicants must submit a letter from the host mentioning that they will take care of their parents and grandparents during their stay.

• The insurance policy must have a minimum coverage limit of CAD $100,000.

• The applicants also submit evidence of paid premiums to show that the policy is active.

What Is the Deductible for Super Visa Insurance, and How Much Can You Save with Deductibles?

The deductible for the policy is the out-of-pocket expenses that you agree to pay before your coverage kicks in. Lower deductibles on super visa insurance policy mean higher premiums and vice versa. Choosing a higher deductible means you can pay a lower monthly premium for your insurance coverage. 

Ensuring Your Peace of Mind!

Now, Canadian citizens or permanent residents can purchase the super visa insurance monthly plan on behalf of their parents or grandparents. If you are one of them and considering purchasing the plan, make sure that the policy can be reimbursed. In addition, you should rely on something other than your credit card for travel medical insurance. 

Also, review the policy limitations and exclusions carefully. If you are planning to bring your parents to Canada and planning on purchasing the super visa insurance policy, contact us to get a super visa insurance quote today!