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Personal Insurance >> Super Visa Insurance

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Super Visa

Citizenship and Immigration authority of Canada has declared that Parents and grandparents will be eligible to apply for “super visa". Canadian government introduced the “Parent and Grandparent Super Visa,” a new type of temporary resident visa which will be valid for up to ten years.

The Super Visa allows 'visitors' to reside in Canada for up to two years, without the need to renew their visa. To avail Super Visa you need to have insurance from a Canadian Insurance company

This Super Visa has brought a great opportunity for those who aspire to reunite with their parents or grandparents. Here to get a Super Visa, the applicants have to meet the minimum income requirement and should undertake the responsibility of purchasing private Canadian health insurance during their stay in Canada. This Super Visa plan lowers the fees required for the application, making it a simple process to come to Canada on short notice - and allows permanent resident visa applicants now waiting for processing to come to Canada after only a short super visa application process. It is must that Applicants have to obtain private Canadian health insurance during their stay.

One should choose a policy that will give them sufficient coverage. A basic plan should cover each parent up to $100,000 CAD and should include benefits such as ambulance expenses, laboratory tests, doctor bills and public hospital rooms.

Applicants must submit proof "that you are holding a private medical insurance which is valid for a minimum of one year from a Canadian insurance company The applicant who has taken up medical insurance should

    covers health care, hospitalization and repatriation
    provide a minimum coverage of $100,000 CAD
    and is valid for each entry to Canada and available for review by a port of entry officer.


►  Now Super Visa Emergency Medical Insurance is available with Monthly payment Option for Applicants and Holders of a Parent & Grandparent Super Visa (PG-1) !! 

Call 1 (855) 455-0911 for more details.



Income Table (Mininum Income Threshold)               top


Effective from January 1 to December 31 2013

Your child or grandchild may use the following income scale to assess their ability to meet the income requirements.

Low Income Cut-Off (LICO)

Size of Family Unit Minimum necessary income
1 person (your child or grandchild) $23,298
2 persons $29,004
3 persons $35,657
4 persons $43,292
5 persons $49,102
6 persons $55,378
7 persons $61,656
More than 7 persons, for each additional person, add $6,268


Frequently Asked Questions:

Who can buy Super Visa Insurance?                                       top                        

Anyone who is a permanent resident or a citizen in Canada and wants to apply for Super Visa for their parents or grandparents can buy travel insurance for one year from a Canadian company.

How can I pay for Super Visa Insurance?

The purchaser can pay by a credit card or a cheque to pay one lump sum payment of one year.

Does the insurance policy cover non-emergency medical situations or routine health check ups?

This type of insurance policies covers all acute, sudden and unexpected medical situations. Only the comprehensive policies cover non-emergency medical situations up to a specified amount. No regular checkup is covered in this kind of travel insurance plan.

If the visa is denied, will I get full refund of the premium amount?

Yes, the insurance companies reimburse the full premium amount upon receipt of the visa denial document.

I am not sure when will my parents arrive in Canada. Can I change the effective date of policy at any time?

Yes, the plan is very flexible. We can change the effective dates of the policy if the policyholder or the purchaser gives the new effective date before the original effective date.

If I forget to change the effective date of the policy, what would happen then?

We would require to see the visa denial letter if the visa is denied. If the person is arriving late, then we would like to see the boarding pass to see the new date of arrival. If these conditions were met, then only we would issue the policy from the new effective date.

What is a pre-existing condition?

It is a medical condition, illness or Injury known to the client prior to travel. For the condition, the client may have received medical consultation, diagnosis and/or Medical Treatment by a Physician. In case of a pre-existing condition, which is not stable and the policyholder is between age 70 and 79, he/she would have to buy the policy with pre-existing conditions.

What is deductible amount?

A deductible amount is the discount given up front on the premium price when buying a policy. It is the first amount paid by the client in case of every claim. The insurance company pays rest of the claim amount.

How the claims are handled?

Every insurance company has a claims department set up for the entire claim handling procedures. In case of an emergency, if the policyholder is visiting the doctor, the insurance company would reimburse the doctor fees. If the policyholder has to visit the hospital, the hospital authorities deal with the insurance company directly. In both the cases, the insurance company must know about the emergency situation.

What are the main pre-existing conditions?

The main pre-existing conditions are related to cardiovascular (heart), respiratory (asthma), diabetes and high blood pressure.

Can the Super Visa insurance policy be renewed?

Yes, the insurance can be renewed for another year, provided there is no claim on the policy. If there are claims, the insurance company will analyze the medical history on case-to-case basis and will quote the new premium price.

If I have major medical condition, can I get the insurance policy?

Clients with major pre-existing conditions can get the travel insurance policy if the insurance company asks to answer a medical questionnaire. If they find it satisfactory, it approves the questionnaire with pre-existing conditions.

What would happen if the policyholder returns to the home country in less than one year?

The payee (who purchased the policy) will get a partial refund on pro-rated daily basis, provided there is no claim process started or there is no claim in the given time.

How much time does it take to get the reimbursement?

Usually, it takes 3 to 10 business days for the refund to be processed.


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