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SUPER VISA INSURANCE
For Parents & Grandparents visiting Canada!
$100,000 in Medical Coverage
- Monthly payment Options Available
- 100% Refund if visa denied
OR
Get a free quote now
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SUPER VISA INSURANCE
For Parents & Grandparents visiting Canada!
$100,000 in Medical Coverage
- Monthly payment Options Available
- 100% Refund if visa denied
OR
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What Is Super Visa Insurance?
Super Visa Insurance is a type of medical insurance coverage required for individuals applying for a Super Visa in Canada. It is mandatory and must be obtained from a Canadian insurance company. The insurance policy must be valid for at least one year from the date of entry and provide a minimum coverage of $100,000 for emergency healthcare. The purpose is to ensure that applicants have sufficient financial coverage for medical expenses during their stay in Canada.
What Are The Super Visa Requirements?
Applying for a Super Visa for your parents or grandparents? Unsure about the required documents? We’re here to assist you!
- A Letter of Invitation from your child or grandchild residing in Canada as a Permanent Resident or Canadian Citizen.
- Document to prove that your child or grandchild meets the Low Income Cut Off Minimum (LICO).
- Evidence of the parent or grandparent relationship to the Canadian citizen or permanent resident you wish to visit.
- Proof of private medical insurance coverage for a minimum of one year with a Canadian insurance company
Super Visa Insurance – LICO Table For 2023
| Size Of Family Unit | LICO – 12 Months |
|---|---|
| 1 person | $26,620 |
| 2 persons | $33,140 |
| 3 persons | $40,742 |
| 4 persons | $49,466 |
| 5 persons | $56,104 |
| 6 persons | $63,276 |
| 7 persons | $70,448 |
| More than 7 persons, for each additional person, add | $7,172 |
Income Requirements for Super Visa:
Minimum Income Threshold: Sponsors must meet or exceed the minimum income threshold based on family size and updated annually.
Low Income Cut-Off (LICO): Generally, income should be at least 30% above the LICO for the sponsor’s family size.
Calculation of Income: Total income from various sources such as employment, self-employment, rental, pension, and investments is considered.
Proof of Income: Sponsors must provide supporting documents like pay stubs, employment letters, tax assessments, and bank statements.
Is super visa insurance available in a monthly plan?
Yes, it is possible to pay for super visa insurance on a monthly basis, although not all insurance providers currently offer this option. Most providers typically offer only annual payment plans but we have access to a wide range of super visa insurance providers so we can help you to choose monthly payment options and make your parents and grandparents trip hassle free.
Both monthly and yearly payment options are acceptable to the Canadian government. The government requires that the medical insurance plan for visitors holding a super visa be paid either in full for a 12-month period or with a deposit for a monthly payment plan. It is important to note that the government does not accept quotes for a payment plan alone. The insurance policy must be paid in accordance with the requirements.
Choosing a monthly plan also offers flexibility in terms of payment. Instead of paying for a full year of coverage upfront, applicants can select monthly premiums that fit their budget, eliminating the financial burden of a lump-sum payment. Moreover, monthly plans can be renewed if the applicant needs to stay in Canada longer than initially anticipated, making it a convenient and affordable option for parents and grandparents seeking more time with their loved ones in Canada.
What does super visa medical insurance cover?
Super Visa Medical Insurance typically provides coverage for a wide range of medical expenses. Here are some common benefits covered by Super Visa Medical Insurance:
- Hospital accommodation
- Nursing care
- Ambulance services
- Surgeries
- Emergency dental repair
- Prescription medications
- Diagnostics and X-rays
- Medical services and hospitalization
- Follow-up treatment
- Rental or purchase of medical appliances
Benefits Of Super-Visa Insurance
Coverage For Accidental Death And Dismemberment
Super Visa Insurance plans often include coverage for accidental death and dismemberment. This means that if an insured person suffers from a severe injury or loss of a limb resulting from an accident, the insurance policy provides financial compensation. This coverage ensures that your parents or grandparents are protected in unforeseen circumstances.
Hospitalization And Repatriation
In the unfortunate event that your parents or grandparents require hospitalization, Super Visa Insurance provides coverage for hospital expenses. It ensures that they receive the necessary medical treatments and care without incurring significant financial burdens. Additionally, in case of a medical emergency or if the insured person passes away during their visit, repatriation benefits cover the costs associated with transporting their remains back to their home country.
Pre-Existing Conditions
Super Visa Insurance can also provide coverage for certain pre-existing medical conditions. It is essential to disclose any pre-existing conditions during the application process to ensure that adequate coverage is provided. By having this coverage, your loved ones can receive medical care related to their pre-existing conditions without any financial strain.
Travel Assistance Services
Super Visa Insurance also offers valuable travel assistance services. These services include 24/7 helplines for medical emergencies, travel advice, assistance with lost documents or baggage, and emergency medical evacuation if needed. Access to these services provides peace of mind, knowing that help is just a phone call away in any travel-related emergencies.
Medical Coverage And Emergency Expenses
Super Visa Insurance offers protection against unforeseen illnesses and accidents that may occur while your parents or grandparents are in Canada. This coverage includes doctor’s visits, hospitalization, prescription medication, and emergency medical services.
Why You Should Consider Us?
- Affordable price
- Competitive rates
- Transparent process
- Instant approvals
- Customized 24*7 support
About Rupinder Rai
Rupinder Rai is an accomplished professional insurance advisor who embarked on a journey to achieve MDRT membership through dedication and unwavering commitment to their clients. She has been offering valuable advice and guidance regarding insurances to customers for many years. She specialises in all aspects of insurances such as the documents required, applicable liabilities and much more. You can rely on her to guide you every step of the way and suggest a suitable insurance plan. Over the years she has gained an enviable reputation in the neighborhood for offering trusted and reliable insurance solutions.
Whether you are planning to invest in a life insurance plan or are looking for disability insurance solutions, she has got you covered.
TESIMONIALS
What Our Customers Say
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TESIMONIALS
What Our Customers Say
5 Star Rating
– Anusha Rajagopalan
Rupinder is the best insurance agent in the Super Visa category. She’s very knowledgable, proactive and very supportive. She explains everything perfectly clarified our questions. I appreciate all her support and guidance. Without her I wouldn’t have been able to do the Super visa process correctly for my parents. She helped me for my parents and now helping for my in laws. Rupinder is a fantastic agent and I highly recommend her to everyone.
– Harwinder Toor
Excellent services. Very professional, knowledgeable and always on time in serving her clients. She helped me a lot to get best coverage and best rate. Rupinder Rai was super helpful with all my questions and concerns, I will highly recommend her for all your insurance needs!
– JAGMOHAN SINGH
Their insurance policies can be tailored to suit your unique needs. You can always count on them to act as your trusted advisors, to be there whenever you need us. You’ll receive service that’s fast, efficient and always reliable especially in emergency situations.
– Jasvir Toor Sran
I am very satisfied by the customer service of Rupinder Rai as she helped me a lot and got my insurance done in perfect way.I would highly recommend her to everybody else looking for insurance as she really does go above and beyond and cares for her client.
FAQS
Super visa insurance covers losses arising from sudden and unforeseeable circumstances. It also covers pre-existing medical conditions that existed before your period of coverage. It also provides travel assistance for medical treatment. Please note; that coverage is subject to certain conditions, limitations or exclusions.
To be eligible for the super visa, the applicant must purchase medical insurance from any major Canadian insurance company, and the minimum policy coverage amount should be $100,000. Canadian immigration authorities will deny super visa applications if the individual has not submitted proof of purchasing medical insurance.
The cost of insurance for a super visa for parents or grandparents between the ages of 45 – 5o years planning to visit the country is an average of $823 annually. The average premium for travellers who have purchased an insurance policy with coverage of $100,000 with a $1000 deductible. The cost of insurance on an average monthly is around $68.
The day when your parents or grandparents set foot in the country is when the super visa insurance policy comes into effect. The policy must have a minimum duration of one year. If your parents or grandparents decide to leave Canada before one year, they are eligible to receive a refund on the unused balance.
Even though the validity of super visa insurance is for one year, you have the choice to ask for a refund if you leave Canada within one year. However, only the unused balance will be reimbursed, not the entire amount. Most insurance companies will deduct the administration fees and refund the new days’ amount. However, you will get a 100% refund if your super visa is denied.
Yes, if your parents have pre existing conditions, they should buy a premium plan. However, they need to be stable in the last 180 days before the start of the plan.
Yes. A super visa applicant must purchase a policy with a minimum of $100,000 emergency medical coverage. Those who have purchased super visa insurance will have coverage for unexpected and unforeseen medical illnesses, dental emergencies, and prescription medication, including repatriation. The plan also covers hospitalization expenses and COVID-19.
As per the new reforms, super visa applicants can stay in the country for up to five years instead of the previous two years without renewal. Health care and medical expenses of the parents and grandparents are covered during their stay in Canada. If, for some reason, the parent or grandparent leaves the country within one year, they will receive a refund of the unused amount.
You can get super visa insurance for one parent, grandparent, or a couple. Parents or grandparents travelling together can save money by purchasing a joint policy instead of a single super visa insurance policy. The cost of the plan is less than $100 if the age group is 45 to 50.
Super visa insurance allows holders to stay in the country for up to five years at a time without the need for renewal. The plan is eligible for parents and grandparents to remain temporarily in Canada. For them to stay permanently, they must be sponsored for permanent residence by their children or grandchildren.
For the parents or grandparents to successfully obtain the super visa, their children or grandchildren who are either permanent residents of the country or Canadian citizens must meet the necessary minimum income requirements based on their family size, including signing a letter promising financial support for the visiting relatives. For example, the minimum income requirement for a family of four is $49, 466 per 4 person.
Yes, Super Visa insurance is available in monthly plans.
The availability of monthly plans allows for flexibility in coverage duration.
You can choose a plan that suits your needs and budget for the desired length of stay.
The choice between a Super Visa and a Visitor Visa depends on the intended duration of stay. Super Visa insurance is suitable for longer stays of up to two years, while Visitor Visa is designed for shorter stays of up to six months. Consider your specific needs and duration of stay to determine which insurance option is better for you.
No. Super visa holders cannot work in Canada. It is simply a temporary residence program for parents or grandparents.
Yes. You can renew your super visa insurance after one year.
No coverage and benefits will be payable from claims resulting from:
Pre-existing or medical conditions that existed 180 days before your policy start date
Expenses related to sickness that caused you to seek medical advice, diagnosis or treatment during the 180 days before your start date or before your date of arrival in Canada.
To extend your policy coverage after arriving in Canada:
- Contact your insurance provider.
- Review policy terms and requirements.
- Submit necessary documents.
- Pay the premium for the extension.
- Obtain confirmation from your insurance provider.
The period of coverage begins:
- On your departure date
- The date you purchase your policy
- The effective date that is shown on your policy confirmation
The date and time you cancel your insurance
The date you return to your home country
The expiry date that is shown on your coverage plan
The date you become eligible for coverage under a government health insurance plan
Yes. You can cancel the plan ten days after purchase for a full refund of the premium paid. However, it should be before your period of coverage.
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