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Family visiting on a Super Visa? Lock in a great insurance rate today.
If you have family visiting from abroad for an extended period of time, chances are they may be using a super visa. This special type of visa allows foreign visitors to remain in Canada for up to two years at a time, can be valid for up to 10 years, and allows for a single entry or multiple re-entries into Canada.
Having emergency health insurance coverage in place is vital for these extended stays, especially in the event of an accident or other medical issue. But before you buy insurance, you want to make sure you find a policy that not only is a great fit for your relatives’ needs, but also has a great rate. Kanetix.ca is committed to simplifying the process, leaving you more time to paint the spare room before they arrive!
What is a super visa?
With a super visa, foreign-born family members can visit their Canadian children and grandchildren for up to two years at a time without needing to renew their status. The visa is valid for 10 years and allows for single or multiple entries into Canada.
What is super visa insurance?
One of the eligibility requirements for obtaining a super visa is to submit proof that the applicant has a minimum of $100,000 in health insurance coverage from a Canadian insurer that is valid for at least one year. The purpose of this requirement is to protect your visiting family members from potentially crippling health care costs.
A number of insurers offer policies designed specifically for super visa applicants. These super visa health insurance policies work in the same way as regular health insurance policies. You choose a deductible (the amount you will need to pay in the event of a claim) and pay a premium (the cost of the insurance policy). In return, the insurer agrees to pay up to a certain amount in coverage for any eligible health expenses that arise during your family members’ stay in Canada, as long as the insurance policy is still valid.
Most super visa insurance policies range from $100,000 to $1 million in coverage, and cover health care, hospitalization, and repatriation costs.
Who should get super visa insurance?
Super visa insurance policies are designed specifically for super visa applicants. You should only get a super visa insurance policy if you, or the person you are buying it for, are applying for a super visa (check eligibility requirements here).
If you have family visiting for less than six months, they should instead look at applying for a visitor visa and obtaining travel insurance for visitors to Canada.
Types of health issues covered by super visa insurance
It is important to read and understand the coverage terms of your super visa insurance policy, since every policy is different. However, most insurers provide coverage for emergency medical expenses, as well as doctor’s fees, x-rays, prescription drugs, emergency dental work, and more.
A typical super visa insurance policy would cover your family member(s) in the event of the following scenarios:
- They break their arm as the result of a fall and have to get an x-ray and cast.
- They suffer an accidental blow to the face and need emergency dental work to repair their teeth.
- They slip on some ice and sustain a head injury, resulting in a concussion and a trip to the emergency room.
- They get a kidney infection that requires lab tests and antibiotics to treat.
- They experience heart palpitations and need to see a specialist who prescribes expensive drugs.
The cost of not having super visa insurance
If you don’t buy the right insurance policy for your family members’ needs, they might end up with inadequate coverage or a policy that expires before their visit ends.
Remember that while health care in Canada is free for permanent residents and citizens, visitors enjoy no such privileges. Not having adequate health insurance coverage as a non-resident can cost hundreds or even thousands of dollars. According to the Canadian Institute for Health Information, the average cost of a hospital stay in Canada is $6,098 – not an insignificant chunk of change.
These real-life insurance claims from visitors to Canada (ranging from $1,386 to $14,288) show that seemingly minor accidents and health concerns can quickly become major out-of-pocket expenses without proper insurance coverage.
Compare super visa insurance policies today with Kanetix.ca to find the best policy for you and your family!
Frequently Asked Questions
Yes. You can apply and pay for your visiting family members’ super visa insurance policy, as long as you include their correct details in the application.
That depends on the length of the visit and how much peace of mind you want. You need to purchase at least $100,000 worth of coverage in order for your family member(s) to be eligible for the super visa, but given the potential for high emergency health care costs, you may be more comfortable with a higher amount of coverage.
Many insurance policies include coverage for side trips (excluding the applicant’s home country) that originate and end in Canada, as long as the trip doesn’t exceed a certain number of days and is no greater than 50 per cent of the period of coverage. Check the terms of your insurance policy regarding side trips before purchasing.
Policies differ in price depending on a number of factors, including the deductible you choose, the length of the policy, and the amount of coverage.
However, according to our internal data, in 2018 the average Super Visa insurance policy cost $1,653 per year, or $138 a month. This is based on an individual travelling to Canada for one year, with $100,000 in coverage and a $1,000 deductable. If you are travelling with a spouse, purchasing insurance together will be cheaper than two individual policies.
The best way to see prices is to use our comparison tool to find tailor-made quotes for your needs.
If the Super Visa is not granted you will receive a 100 per cent refund from the insurer.
If your family decides to leave Canada within the first year, a prorated refund is available provided no claim has been made. Check the terms and conditions of your insurance policy before purchasing.
It depends on the condition and how stable it is. Be sure to indicate any pre-existing conditions when using our comparison tool to get a quote. You will be required to contact the supplier directly to finalize your purchase.
As per the Canadian government, Super Visa insurance coverage must come from a Canadian company. One benefit of this is that Canadian insurers know the Canadian health care system better than providers in the visitor’s home country. Canadian companies can provide the quickest turnaround time on claims, benefitting you and your family in your time of need.
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