Types of Super Visa Insurance

Last week we spoke about insurance being a pre-requisite for entry through Super Visa, but navigating what insurance is offered sometimes can be tricky. We’ve broken it down for you. There are two main types of Super Visa insurance: Emergency Medical and Expatriate Health Plans. 

Emergency Medical

You can think of this insurance almost like travel insurance for Super Visa entries. This insurance covers unforeseen medical emergencies – and cover he initial emergency medical care, and a limited number of follow up consultations after a person has been declared able and medically fit to return to their country of origin. 

Expatriate Health Plans

The second type of insurance is the one that is best for ailing parents with medical concerns. These plans cover both initial medical care, plus medically necessary continuing care until the term of the policy and eligibility. 

It is important to get clarification on what you policy covers and get pre-approval. Some plans offer no coverage of pre-existing conditions, while others offer coverage for stable chronic conditions. The cost of insurance is dependent on the existing medical condition, and anticipated needs. If your parent of grandparent has pre-existing medical concerns, it is important you choose to purchase an insurance that will cover their treatment and give you both the best peace of mind. 

Applying for a Super Visa?

It’s great to be able to have parents or grandparents visit and stay with you in Canada for an extended period of time – often times, a trip of 1 or 2 months is not enough time. The new Canadian Super Visa however, can change that by allowing your parents or grandparents to remain in Canada for 24 months at a time, without renewing their status. This visa is valid for 10 years. 

One of the key requirements for obtaining the Super Visa for Canada is insurance. Since many of the times parents and grandparents are elderly, the cost of medical care and hospitalization can be pricey. This is why Super Visa applicants must submit proof that they have purchased private medical insurance from a Canadian insurance company that is valid for a minimum of one year and offers a minimum of $100,000 in coverage for health care, hospitalization and repatriation. Regardless of it being mandatory, the need to purchase this insurance to protect your elderly loved ones is important in an event of needing medical care. 

For more information about applying for the Super Visa, visit the Government of Canada website.