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Welcoming your parents or grandparents to Canada on a super visa is a wonderful way to bring your family together. Ensuring they have the right super visa insurance will make their stay comfortable and stress-free.

What is Super Visa Insurance?
Super visa insurance is a specialized medical insurance designed for parents and grandparents of Canadian citizens or permanent residents applying for the super visa. This insurance provides visitors with proper health coverage during their stay in Canada, covering health care, hospitalization, and repatriation.

Significance of Super Visa Insurance
In Canada, super visa insurance is crucial for several reasons:

• Mandatory Requirement: To obtain a super visa, having super visa insurance is mandatory. This is a requirement of the visa application and is required for each entry into Canada.
• Healthcare Costs: Canada’s healthcare system is known for its quality, however, medical costs for non-residents are not covered by the healthcare system. Super visa insurance helps cover these costs, protecting visitors from financial burdens due to unexpected medical emergencies.
• Extended Stays: With this insurance, visitors can enter Canada multiple times during the 10-year visa period, and stay in Canada for up to five years, making it ideal for long family visits.
• Peace of Mind: It provides peace of mind to visitors and their sponsors, knowing they are protected in case of unexpected illness or injury.

Coverage Benefits of Super Visa Insurance
Super visa insurance offers benefits for unexpected medical emergencies, including:

• Emergency Medical Care: This includes emergency medical expenses such as physician fees, diagnostic testing, prescription medication, hospitalization, and surgery.
• Ambulance Services: The cost of emergency transportation to or from the hospital, if required.
• Repatriation Expenses: In the unfortunate event of a visitor’s death, the policy provides coverage to return the policyholder’s body to the home country, or burial/cremation at the place of death.
• Accidental Death & Dismemberment: Some plans offer benefits for accidental death or permanent dismemberment resulting from an unforeseen accident.
• And more!

Common Mistakes to Avoid
We share some common mistakes to avoid when purchasing super visa insurance to help you select the best super visa insurance for your needs. Purchasing coverage that does not meet the needs of the super visa may cause problems with your application or entry to Canada.

1. Amount
One of the most important requirements for super visa insurance is the coverage amount. The Canadian government requires a minimum coverage of $100,000. This ensures your loved ones have enough coverage to handle unforeseen medical emergencies.

• Mistake: Opting for Less Coverage: Some people might try to save money by opting for a lower coverage amount. This can lead to your super visa application being denied. Always ensure your policy meets or exceeds the $100,000 requirement. This coverage amount isn’t just a formality; it provides significant protection against high healthcare costs in Canada.

2. Coverage Period
Super visa insurance must cover at least one year from the date of entry into Canada and be valid for each entry into Canada.

• Mistake: Buying Short-Term Policies: Purchasing a policy that covers less than 365 days will not fulfill the requirements and can lead to application and entry issues. Always verify the policy duration to ensure it covers the full year (or more), even if you are travelling for a shorter period, a minimum of 365 days coverage is required. This is crucial because the super visa allows visitors to stay in Canada for up to five years at a time.

3. Recognized Insurance Providers
You must purchase the super visa insurance policy from a Canadian insurance company. This ensures that the insurance meets Canadian standards and will be recognized by Canadian healthcare providers.

• Mistake: Buying from Foreign or Unrecognized Providers: Buying insurance from non-recognized or foreign providers can invalidate the policy for super visa purposes. Stick to reputable, recognized Canadian insurers. This not only helps in meeting the visa requirements but also ensures that the coverage will be effective and reliable when needed.

4. Policy Exclusions and Limitations
It’s essential to have adequate coverage, especially for emergency medical situations. However, insurance policies come with exclusions and limitations that you should be aware of.

• Mistake: Overlooking and Not Understanding Policy Details: Overlooking the exclusions, limitations, or specific conditions that are not covered can lead to significant out-of-pocket expenses. For instance, some policies might not cover pre-existing conditions unless specified. Therefore, you should read the policy details carefully.

5. Change and Refund Policies
Super visa insurance policies should allow for refunds and changes. This flexibility is important because there might be a denial of the visa, and delays or changes in your travel plans.

• Mistake: Selecting Inflexible Policies: Selecting a policy without considering its change options and refund policy may cause additional administrative fees in the future. Ensure you understand the terms related to changes and refunds. For instance, if there are delays in getting the visa, you might need to change the dates of your policy. Similarly, if the visa is denied, you should be able to get a refund.

Choose the Right Super Visa Insurance
To avoid these mistakes, it’s important to choose the right insurance plan. Travelance offers super visa health insurance coverage that meets Canadian government requirements for the super visa program.

Let’s have a look at our super visa insurance plans:

• Essential Plan: This plan is ideal for visitors in good health and who are not currently taking any medication. It provides essential coverage at an affordable cost, including emergency medical care, doctor’s visits, ambulance services, repatriation expenses, and more.
• Premier Plan: Suggested for visitors looking for additional and upgraded benefits, when compared to the Essential Plan. This plan offers some coverage for pre-existing medical conditions (certain conditions may apply).

A Monthly Payment Option is available for super visa insurance policies.

Conclusion
The super visa program offers an incredible opportunity for parents and grandparents of Canadian citizens or permanent residents to reunite with their loved ones in Canada. However, it is crucial to get the right medical insurance for the super visa.

Reach out to one of the licensed insurance brokers at Travelance for more information and a quote.

For further information, clarification or questions regarding the super visa, application or immigration, please contact Immigration, Refugees and Citizenship Canada, or an immigration professional.