What is Super Visa Insurance?

We understand how important family is, and when your parents or grandparents live in another country bringing them closer to you becomes so much more important. In the process of helping your family members come to Canada you may have come across the term Super Visa or Super Visa Insurance plan. If no one has explained to you exactly what this is, then here’s some more information to help you get started.

Super Visa Insurance Brampton is a policy issued by the government when there’s the hope of reuniting residents of Canada with their parents or grandparents. It allows for multiple entry visas, which means it can cover both your parents and your grandparents on the same insurance policy plan. If you are pursuing Parental Sponsorship then Super Visa Insurance policy is one of the most viable solutions.

Super Visa Insurance

We understand that going through the process to obtain this insurance can be stressful, so we’re here to help! We will leverage our experience and expertise to guide you through every step in this process so you’re sure to meet all requirements and guidelines set out by the government.

What will you need to know about my family members?

The details we will ask about your family member to determine eligibility for coverage are fairly similar to those needed for all other insurance policies.

We will ask for the starting date of the coverage, the date of birth of the travellers covered, confirmation of your citizenship and to ensure that your family meets the minimum necessary income requirements. We will also be looking for an invitation letter, declaration and confirmation that your parents or grandparents have fulfilled specific criteria.

Your parents, or grandparents, will be required to provided the following details during the insurance process.

  • Admissibility to Canada
  • Purpose of the Visit
  • Medical Insurance Coverage
  • Status of Home Country
  • Parent’s ties with the Home Country
  • IME (Immigrant Medical Examination)
  • Super Visa Medical Insurance

The process for applying for Super Visa Insurance can be lengthy and complicated, but we are here to help! Give us a call today and we can sit down to help you figure out exactly what you need so you can visit with your family as soon as possible.

Low Income Cut-Off (LICO)

 

SIZE OF FAMILY UNIT MINIMUM NECESSARY GROSS INCOME
1 person (your child or grandchild) $25,921
2 persons $32,270
3 persons $39,672
4 persons $48,167
5 persons $54,630
6 persons $61,613
7 persons $68,598
More than 7 persons, for each
additional person, add
$6,985


Before you apply for a super visa, you need:

A letter of invitation from your child or grandchild who is a Canadian citizen or a permanent resident of Canada that includes:

  • A promise of financial support for the duration of your visit
  • The list and number of people in the household of this person
  • A copy of this person’s Canadian citizenship or permanent resident document
Proof that your child or grandchild’s household meets the minimum necessary income examples include:
  • Notice of Assessment (NOA) or T4/T1 for the most recent tax year
  • Employment Insurance stubs
  • Employment letter including salary and date of hiring
  • Pay stubs
  • Bank statements
Proof of payment for medical insurance from a Canadian insurance company that is:
  • Valid for at least 1 year from the date of entry
  • At least $100,000 coverage
A document confirming that you had an immigration medical exam

FAQ

Parents and grandparents of Canadian citizens or permanent residents who have been found admissible to Canada and meet some other conditions are eligible for the Super Visa as stated by Canadian Government. Visa officers consider several factors before deciding if the person is admissible. This means they are a genuine visitor to Canada who will leave by choice at the end of their visit. Among the things that could be considered are:

  • The individuals strong bonds to his/her home country
  • The purpose of their visit,
  • The individuals family and financial state of affairs,
  • Invitations from Canadian hosts.

According to the above quote from the government’s website, proof of Canadian medical insurance is required. While this may change in the future to a list of approved international carriers, the guidance so far is for visitors to purchase visitors insurance from a Canadian company.

The Canadian insurance companies are governed by the regulations in Canada, and the government perhaps feels safer that any claims will be paid for by a company they can regulate. The government doesn’t want to be the one to have to pay any claims, or sue a company that doesn’t pay out a claim.

The expenses for hospitalization for visitors to Canada can amount to over $3,000 per day, and air ambulance charges to return you home could very easily be in the tens of thousands of dollars. We recommend $100,000 of medical insurance coverage. This will ease your financial burden due to unforeseen charges and give you a peace of mind which everyone is looking for.

Yes. Any person can purchase a visitors insurance policy on behalf of someone coming to Canada.

You can apply for a quote online by visiting our website or call our toll free number. After going through your requisites we will be able to give you a competitive rate.

It all depends on the pre-existing condition, and the terms and conditions of the policy. Some insurance companies offer plans that cover pre-existing conditions as long as they have been stable for a certain period of time (3 to 6 months) before departure from your home country. Sometimes, pre-existing conditions will not be covered. It is important to read your entire policy to make sure you are aware of the definitions affecting coverage, as well as the possible exclusions that may apply.

Only some of the available plans will cover pre-existing medical conditions such as diabetes, high blood pressure, heart conditions, etc. Other policies, while they do cover stable pre-existing medical conditions, use strict eligibility questions to screen out applicants (for example, no coverage available if you use an ICD (pacemaker), oral steroids for lung conditions, diagnosis of stroke, blood clots, congestive heart failure or heart murmur in past 12 months, etc.).

No. There is no medical exam required prior to purchase. You will have to fill the form which comprises of a few medical questions. You must answer all questions honestly, as not doing so may void (cancel) your coverage. If you have to submit a claim, the insurance company will investigate to determine if your condition was a pre-existing one, and/or whether you were honest on your application.

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