Super Visa Insurance

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. 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 is a policy issued by the government when there’s 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 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 are the details of Super Visa Insurance?

If you are granted this policy, it is good for a maximum of 10 years for those who are covered on the policy. Those covered by the policy can enter Canada as many times as they wish during this 10-year policy but their cumulative stay cannot exceed 24 months total in this 10-year time frame. Those who are covered under this policy cannot work or earn any income while they are staying in Canada.

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 UnitMinimum necessary gross income
1 person (your child or grandchild)$24,949
2 persons$31,061
3 persons$38,185
4 persons$46,362
5 persons$52,583
6 persons$59,304
7 persons$66,027
More than 7 persons, for each additional person, add$6,723

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 Canadianinsurance 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

Q: Who is eligible for the new parent and grandparent super visa?

A: 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.
Q. What documents are required by the applicant to file a case?

A: The applicant can get detailed information by visiting cic.gc.ca site or consult an immigration consultant. Some mandatory documents are

  • A written commitment of financial support from their child or grandchild in Canada who meets a minimum income threshold,
  • prove that they have purchased Canadian medical insurance for at least one year to cover the period of time that they will be in Canada, and
  • Complete an Immigration Medical Examination (IME).
Q: Can my parents buy health insurance from their home country?

A: 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.

Q. Why has the government made it mandatory of purchasing visitor's insurance from a Canadian travel insurance company and not from other insurance companies from their home country?

A. 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.

Q: What amount of Visitors travel medical insurance should I purchase for my mother who is visiting me next month?

A: 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.

Q: Can I purchase a policy for my family members who are planning to come for a visit?

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

Q: Can I get discount if I buy visitor's insurance for 2-3 people visiting together to Canada?

A: 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.

Q: If I have a pre-existing condition, can I get coverage for that with visitors insurance?

A: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.).

Q. Do I need to take a medical test before I can buy Visitors to Canada insurance?

A: 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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    UNIT 2 BRAMPTON, ON

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