Coverage for Pre-Existing Conditions (Subject to approval)
Things To Consider When Buying Super Visa Insurance
Coverage Amount
The Canadian government requires a minimum coverage of $100,000 for emergency medical care.
Ensure that the policy meets or exceeds this amount for the entire duration of their stay.
Policy Duration
Super Visa insurance must cover at least one year, even if your family member plans to stay for less time.
Look for policies that offer flexibility in extending or canceling coverage if plans change.
Deductibles
Insurance plans often come with various deductible options.
A higher deductible usually results in lower premiums but can mean more out-of-pocket costs in case of a claim.
Refund Policies
Life circumstances can change. Check the refund policies in case your parent or grandparent doesn’t end up using the full coverage due to an early return or visa rejection.
Pre-Existing Conditions
If your loved one has a pre-existing medical condition, make sure to choose a plan that covers pre-existing conditions, subject to stability and approval by the insurance provider.
Repatriation Coverage
Ensure the plan includes coverage for repatriation to the home country in case of a medical emergency, or in unfortunate cases, return of remains.
Provider Reputation
Purchase from a reputable insurance provider. Look at reviews, claim processing times, and customer service to ensure you’re getting reliable coverage.
Outside Canada Coverage
If your loved ones are planning to visit outside of Canada, make sure your plan covers side-trips are covered under your plan.
