Top Super Visa Insurance Companies in Canada
Below is a list of reputable Super Visa Insurance providers in Canada, click any button to get a quote now.
Contact Information
For inquiries, call +1-437-238-8119 or reach out to Bahadur Singh , a Licensed Insurance Broker.
What is Super Visa Insurance?
Super Visa Insurance is specifically designed for individuals applying for a Super Visa to visit family members in Canada. The Super Visa is a long-term visitor visa that allows parents and grandparents of Canadian citizens and permanent residents to stay in Canada for up to two years at a time , with a validity period of up to ten years .
To qualify for a Super Visa, applicants must provide proof of private medical insurance from a Canadian insurance company. This insurance must:
- Be valid for at least one year .
- Cover healthcare, hospitalization, and repatriation.
- Have a minimum coverage amount of $100,000 .
Coverage Details
Super Visa Insurance policies typically include coverage for:
- Emergency medical expenses
- Hospitalization
- Emergency transportation
Additional benefits may include:
- Trip interruption
- Trip cancellation
- Accidental death and dismemberment
The cost of Super Visa Insurance varies based on factors such as the applicant’s age, health status, and the length of their stay in Canada. It’s crucial to compare different policies to find the best coverage at an affordable price.
Tips for Choosing the Best Super Visa Insurance
- Research Multiple Providers
Compare providers based on reputation, customer reviews, and financial stability. Use the links above to explore policies. - Coverage and Benefits
Review coverage limits for medical expenses, hospitalization, and emergency evacuation. Consider additional benefits like pre-existing conditions, dental care, and trip interruption. - Policy Exclusions and Limitations
Understand what is not covered. Common exclusions include traveling against medical advice, ignoring travel advisories, terminal illness, risky activities, and drug influence. - Pre-Existing Conditions
Ensure the policy covers pre-existing conditions or offers a reasonable waiting period. Stability periods range from 7 days to 180 days , depending on the provider. - Deductibles
Choose a deductible that fits your budget. Higher deductibles lower premiums but increase out-of-pocket costs. - Premium Costs
Compare premium costs while considering coverage limits, benefits, and customer service. - Financial Stability
Check the insurer’s financial stability to ensure they can fulfill claims. - Customer Service
Evaluate customer service reputation through reviews and feedback. - Policy Duration and Renewability
Ensure the policy meets the Super Visa program’s requirement of being valid for at least one year and is renewable. - Seek Professional Advice
Consult an insurance broker for guidance tailored to your needs.
Factors Influencing Super Visa Insurance Cost
- Age of the Applicant : Older applicants may face higher premiums due to increased health risks.
- Coverage Amount : Higher coverage limits result in higher premiums. Minimum coverage required is $100,000.
- Policy Duration : Longer coverage durations generally mean higher premiums.
- Deductible Amount : Higher deductibles reduce premiums but increase out-of-pocket costs.
- Pre-Existing Medical Conditions : These can affect premium costs, with some providers offering coverage with higher premiums or waiting periods.
- Insurance Provider : Premium rates vary among providers, so it’s essential to compare quotes.
Certainly! Below is an elaborated version of the FAQ section based on the content provided in the knowledge base. Each question has been expanded to provide more detail, examples, and clarity for readers.
Super Visa Insurance Frequently Asked Questions (FAQs)
1. How much does Super Visa Insurance cost?
The cost of Super Visa Insurance depends on several factors, including:
- Age of the Applicant: Older applicants typically pay higher premiums due to increased health risks.
- Health Condition: Pre-existing medical conditions or stability periods can affect the premium.
- Coverage Amount: The minimum required coverage is $100,000, but you can opt for higher coverage (e.g., $500,000 or $1 million).
- Policy Duration: Longer durations (e.g., 2 years) will cost more than shorter ones.
- Deductible Amount: Choosing a higher deductible lowers the premium but increases out-of-pocket costs during claims.
Example: Plans start as low as $65/month. By opting for a deductible, you can save up to 45% on your premium. For instance, a plan with a $1,000 deductible may reduce your monthly premium significantly compared to a $0 deductible plan.
2. What documents are required for Super Visa Insurance?
To purchase Super Visa Insurance, you’ll need the following documents:
- Applicant’s Name: Full legal name as it appears on your passport.
- Date of Birth: Used to calculate age-based premiums.
- Email Address: For policy confirmation and communication.
- Health Information: Details about pre-existing conditions, if any.
- Payment Information: Credit card or other payment methods.
Tip: Ensure all information is accurate to avoid issues during the application process or claims.
3. Do you need travel insurance for a Super Visa?
Yes, travel insurance is a mandatory requirement for the Super Visa program in Canada. The Canadian government requires applicants to provide proof of private medical insurance from a Canadian insurance company. This insurance must meet the following criteria:
- Be valid for at least one year from the date of entry into Canada.
- Provide coverage for healthcare, hospitalization, and repatriation.
- Have a minimum coverage amount of $100,000.
- Cover the applicant for each entry into Canada and remain valid for the entire duration of their stay.
Purpose: The insurance ensures that applicants have adequate coverage for medical emergencies, protecting both the applicant and the Canadian healthcare system from potential financial burdens.
4. Can Super Visa Insurance be paid monthly?
Yes, some providers offer monthly payment plans for Super Visa Insurance. Two notable companies offering this option are:
- RIMI – Secure Travel
- Travelance
However, there is usually a one-time administrative fee associated with monthly payments. Despite this fee, many applicants find it easier to pay in installments rather than a lump sum upfront.
Example: If your annual premium is $780, you might pay $65 per month plus a small admin fee instead of paying the full amount at once.
5. Can I get a refund for Super Visa Insurance?
Refunds for Super Visa Insurance depend on the specific policy and provider. Here are the key factors to consider:
- Cancellation Period: Most policies have a cancellation period (e.g., 10–15 days from the purchase date). If you cancel within this period, you may receive a full refund of the premium paid.
- Unused Coverage Period: If you cancel after the cancellation period, you may receive a partial refund based on the unused portion of the policy. For example, if you cancel halfway through the policy term, you’ll get a pro-rated refund for the remaining months.
- Administrative Fees: Some providers charge administrative fees for processing cancellations, which may reduce the refund amount.
- Claims History: If you’ve made claims under the policy, the refund may be adjusted accordingly.
- Visa Refusal: Most providers offer a full refund if your Super Visa application is denied. You’ll need to provide proof of refusal.
- Status Change: If you become eligible for provincial health coverage, providers may refund the remaining premium (minus any admin fees).
Example: If you purchased a $1,200 annual policy and canceled after 6 months, you might receive a refund for the remaining 6 months minus any admin fees.
6. What is the minimum insurance for a Super Visa?
The minimum insurance requirement for the Super Visa program is $100,000 in coverage. This amount must cover:
- Healthcare expenses
- Hospitalization
- Repatriation (returning to your home country in case of medical emergencies)
While $100,000 is the minimum, many applicants choose higher coverage limits (e.g., $500,000 or $1 million) for added peace of mind.
7. Does Super Visa Insurance cover doctor visits?
Yes, most Super Visa Insurance policies cover doctor visits as part of their medical coverage. These visits are considered basic medical services and are included in the policy.
Details to Check:
- Coverage Limits: Some policies may cap the amount covered for doctor visits.
- Deductibles: You may need to pay a deductible before the insurance covers the rest.
- Exclusions: Review the policy wording to ensure there are no exclusions for specific types of doctor visits.
Example: If your policy has a $500 deductible and you visit a doctor for $300, you’ll pay the full amount out-of-pocket. However, subsequent visits exceeding the deductible will be covered by the insurance.
8. Does Super Visa Insurance cover dental?
Yes, most Super Visa Insurance policies cover dental injuries and pain treatment. However, there are dollar amount limitations on dental coverage. Typical coverage ranges from $500 to $4,000, depending on the provider and plan.
Important Notes:
- Coverage is often limited to emergency dental treatments (e.g., pain relief or injury-related care).
- Routine dental check-ups or cosmetic procedures are usually not covered.
Example: If you require emergency dental surgery costing $2,000 and your policy has a $1,000 dental limit, the insurer will cover up to $1,000, and you’ll pay the remaining $1,000.
9. When should Super Visa Insurance start?
Your Super Visa Insurance policy should start on the date of landing in Canada. If you need to extend the start date, inform your provider, as this may result in a change in premium due to age adjustments.
Example: If your policy starts on January 1st but you land on February 1st, you’ll need to adjust the start date. This could push the policy into the next birth year, potentially increasing the premium.
10. Does Super Visa Insurance cover pre-existing conditions?
Most Super Visa Insurance policies cover pre-existing medical conditions, but there is usually a stability period. A stability period is the length of time your condition must remain unchanged (e.g., 90, 120, or 180 days) before the policy start date.
Key Points:
- Some providers offer shorter stability periods (e.g., 7 days).
- Always review the policy wording or consult with an insurance broker to confirm coverage details.
Example: If you have diabetes and your policy requires a 180-day stability period, your condition must remain stable for 180 days before the policy start date to qualify for coverage.
11. Can I cancel Super Visa Insurance after approval?
Yes, you can cancel your Super Visa Insurance at any time. However, there are consequences to consider:
- Administrative Fees: Providers charge fees for processing cancellations, which vary by policy.
- Cancellation Penalties: Penalties depend on how soon you cancel after purchasing the policy. Early cancellations may incur minimal penalties, while late cancellations may result in higher fees.
- Partial Refunds: If you cancel after the cancellation period, you may receive a partial refund based on the unused coverage period.
Example: If you cancel a $1,200 annual policy after 3 months, you might receive a refund for the remaining 9 months minus any admin fees.
12. What is the deductible for Super Visa Insurance?
A deductible is the amount you pay out-of-pocket before the insurance coverage kicks in. Deductibles for Super Visa Insurance typically range from $0 to $10,000, depending on the provider and plan.
How It Works:
- If your policy has a $1,000 deductible and you incur $5,000 in medical expenses, you’ll pay the first $1,000, and the insurer will cover the remaining $4,000.
- Higher deductibles lower premiums but increase out-of-pocket costs during claims.
Example: A $500 deductible plan may have a higher premium than a $2,000 deductible plan. Choose a deductible that aligns with your budget and risk tolerance.
13. How much income do I need for a Super Visa to Canada?
The Canadian government sets a low-income cut-off (LICO) for Super Visa sponsors. The required income varies based on family size:
| Family Size | Minimum Gross Income Required |
|---|---|
| 1 person | $27,514 |
| 2 people | $34,254 |
| 3 people | $42,100 |
| 4 people | $51,128 |
| 5 people | $57,988 |
| 6 people | $65,400 |
| 7+ people | Add $7,412 for each additional person |
Note: These figures are subject to change, so always check the latest requirements on the official immigration website.
14. Is medical free for Super Visa holders?
No, medical services are not free for Super Visa holders. Applicants must purchase private medical insurance to cover healthcare expenses. Additionally, the cost of the medical exam required for the Super Visa application is not covered by the government and must be paid by the applicant.
Purpose of Medical Exam: The exam ensures that applicants do not pose a public health risk and are admissible to Canada.
15. Can parents work on a Super Visa?
No, Super Visa holders cannot work legally in Canada without the appropriate work permit or visa. The Super Visa is a visitor visa, and individuals entering Canada under visitor status are not permitted to engage in employment.
Consequences of Working Illegally: Working without authorization can lead to deportation and a ban from re-entering Canada for several years.
16. How long can parents stay on a Super Visa?
Parents can stay in Canada for up to 5 years initially on a Super Visa. After this period, they can apply for a 2-year extension, allowing them to stay for a total of 7 years.
17. Can parents on a Super Visa apply for Permanent Residency (PR)?
Yes, if eligible, Super Visa holders can apply for PR. However, having a Super Visa does not automatically grant eligibility for PR. Common pathways for parents and grandparents include:
- Parent and Grandparent Sponsorship Program: Canadian citizens or permanent residents can sponsor their parents or grandparents for PR.
- Other Immigration Programs: Eligibility depends on factors like age, language proficiency, and adaptability.
18. What is the success rate of the Super Visa?
The success rate for Super Visa applications is approximately 83%. However, each application is assessed individually, and success depends on meeting all requirements, providing complete documentation, and demonstrating strong ties to the home country.
19. Why does a Super Visa get rejected?
Common reasons for rejection include:
- Inadequate Financial Support: Sponsors failing to meet the income requirements.
- Incomplete Documentation: Missing or inaccurate documents.
- Failure to Meet Insurance Requirements: Insufficient or invalid insurance coverage.
- Ineligibility or Inadmissibility: Criminal history, medical conditions, or previous immigration violations.
- Insufficient Proof of Relationship: Unable to demonstrate the relationship with the sponsor.
- Lack of Intention to Return: Failing to prove ties to the home country.
20. How long is a Super Visa valid for?
A Super Visa is valid for 10 years or until the passport expires, whichever comes first. During this period, holders can stay in Canada for up to 5 years per visit.
21. What is the difference between a Visitor Visa and a Super Visa?
| Feature | Visitor Visa | Super Visa |
|---|---|---|
| Purpose | Short-term visits (tourism, family) | Long-term visits for parents/grandparents |
| Validity | Up to 6 months per visit | Up to 5 years per visit |
| Duration | Typically valid for 6 months–1 year | Valid for up to 10 years |
| Insurance Requirement | Not mandatory | Mandatory |
22. What is a stable pre-existing condition?
A stable pre-existing condition is a medical condition that existed before the policy start date but has remained unchanged in terms of symptoms, treatment, or management during the stability period (e.g., 90, 120, or 180 days).
Example: If you have high blood pressure and your medication or symptoms have not changed during the stability period, your condition is considered stable and may be covered.
Final word
Super Visa Insurance is a critical component of the Super Visa application process. By understanding the requirements, comparing providers, and selecting the right coverage, applicants can ensure they have adequate protection during their stay in Canada. For further assistance, feel free to chat on WhatsApp or contact Bahadur Singh , a Licensed Insurance Broker, at +1-437-238-8119 .