Super Visa Insurance
Super Visa Insurance (Super Visa Insurance for Parents, Grandparents, & family) also referred as Canadian Super Visa Insurance or Super Visa Insurance Canada was introduced after in late 2011. Canada’s workforce is made up of immigrants from all over the world. Before December 2011, it was difficult for the parents and grandparents of Canadian permanent residents and citizens to visit their loved ones in Canada. There was a backlog of 165,000 parents and grandparents looking to visit their children and grandchildren Canada, which resulted in extended processing times of up to seven years. Thanks to the creation of the Super Visa Insurance, it has become fairly easy for the parents and grandparents of immigrants from all over the world, including China, India, Philippines, Pakistan, Sri Lanka and Bangladesh to enter and stay in Canada for a sizeable period of time without any worries at all subject to a Super Visa Insurance policy in place.
What sets the Super Visa apart from most other kinds of visas anywhere in the world is that it requires applicants to have a certain kind of insurance before they even file the application for the visa. Proof of insurance must be provided along with the application form for the relevant authorities to even consider granting this special visa. Even still, Super Visa (Parent Super Visa Insurance) is an increasingly popular option among those wanting to visit their children and grandchildren in Canada for an extended period of time.
What is the Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that enables grandparents and parents to visit and stay in Canada for as many as two years during a single visit. A single Super Visa is valid for a period of ten years, just like a normal multiple-entry visa. However, the regular multi-entry visa only allows for a stay of 6 months per visit.
Who is eligible for the Super Visa?
In order to be eligible for the Super Visa, you need to meet the following conditions:
- You must be a parent or grandparent of Canadian citizens or permanent residents
- The child or grandchild of the applicant must have a basic minimum income level
- You must meet general conditions that determine admissibility into Canada (i.e. letter of financial support)
- You must have proof of Canada Super Visa insurance, which must meet a certain minimum requirement and be valid for a period of at least one year
- Even people from countries such as France and the United States who do not require visas to enter Canada are eligible to stay for two-year terms if they obtain Canada
- Super Visa insurance and apply for this special visa
What are the basic requirements for Super Visa insurance for parents and grandparents?
Obtaining just any insurance that provides coverage for persons within Canada is not specific though. For public policy reasons, it is required that the Visa have basic requirements. The Super Visa insurance must:
- Be issued by a Canada Super Visa Insurance company.
- Be valid for each entry into Canada
- Have a minimum coverage of $100,000
- Cover hospitalization, repatriation as well as healthcare
What are the advantages of applying for Super Visa insurance?
The most obvious advantage of applying for Super Visa insurance is that you become eligible to apply get submit your application for Super Visa. Unlike regular multiple-entry visas that parents and grandparents can apply for, Super Visas allow you to stay for a period of up to two years at a time. This is ideal for those parents and grandparents who live in countries that are far away from Canada. A large percentage of Canadian immigrants are from China, India and Pakistan, which are approximately 7,000 miles away from each other. The flight to Canada, one way, costs over $1,000. As a result, it works out to be a lot cheaper for the applicant to be able to stay in the country for a longer period of time rather than having to make multiple entries.
Another advantage that is associated with Super Visas is that it requires the applicant to have a sound health insurance policy. Although many see this as a disadvantage and an unnecessary cost that they have to incur in order to gain the ability to enter the country, the fact of the matter is that Canada Super Visa insurance is as necessary as any kind of travel insurance. Insurance quotes are generally fairly low in comparison to actually facing the risk of paying hefty bills at a hospital in case you need medical attention. Canada’s healthcare system offers free essential medical services for permanent residents and citizens but it does not extend this to parents and grandparents of the same. If you travel using a Super Visa, you can enjoy your trip without any worries about running into financial troubles.
What happens to the premium if your Super Visa application is rejected?
One of the biggest fears among applicants is that if their Super Visa application is rejected, they will not be able to get back the premium they paid in order to secure their Super Visa insurance. You must obtain insurance before you submit the application for the visa. This means you have to pay the premium before your visa application is actually requested. InstantInsuranceQuotes provides a refund of the premium as soon as proof of rejection of the Super Visa application is provided to it.
What should you avoid when buying Super Visa insurance for parents and grandparents?
Buying coverage for parents and grandparents is often a challenging step, since there are a number of things you need to make sure you get right in order to avoid troubles on your visa and with regards to coverage.
The first thing you need to enquire about is whether your pre-existing medical conditions are covered by the plan or not. Most insurers generally look at recent medical history before they give you any SVI quotes. If you are medically stable, you might get a good quote but it should not be assumed that all your pre-existing medical conditions are covered by the plan. The onus is on the party seeking insurance to enquire whether specific medical conditions will be covered by the plan.
Another big mistake that some people make is by not disclosing facts at the time of application for the insurance. The fact of the matter is that in the absence of a fully truthful medical disclosure, you might face troubles in case you are in a position where you need to make a claim. People avoid making full disclosures in the hope to get better quotes, but this may end up harming them in the long run in case their claims are denied.
What do SVI quotes depend on?
Much like other forms of insurance, Super Visa insurance quotes depend primarily on the level of risk that the company will have to undertake. Those who have been medically stable in the recent past (many insurance companies look at a six month period, while others look at a longer period) are generally able to get good rates, so long as they do not have any pre-existing conditions that they wish to be covered. Companies also take into account the extent of coverage, although there is generally little flexibility permitted by law in this regard. All insurance packages have to cover hospitalization, repatriation and healthcare, which is why there is not much flexibility with regards to insurance quotes. Even still, if you live a healthy life and enjoy a good recent medical history with no pre-existing medical conditions, you should be able to get a good rate.
What to look for in a Super Visa Insurance provider?
Since Canada Super Visa insurance, unlike most other forms of insurance, are purchased from Canada itself, it is important to find a provider that is extremely responsive and has a presence online. InstantInsuranceQuotes is easily reachable on the internet, so parents and grandparents don’t necessarily have to make expensive international phone calls to secure a policy from a Canadian company.
You should ideally find a company which accepts payments online through a method that is feasible for you. In many countries such as Pakistan, Paypal is not available so if one is looking for Super Visa insurance there, they should look for a provider that accepts alternative methods. Likewise, in other countries such as China, there are often restrictions using local credit cards on international websites.
It is also useful to find an insurance company that has a proven track record in providing Super Visa insurance for parents and grandparents over a fairly long period of time. The internet is filled with reviews and ratings of different providers, so it is often helpful to go see how other people have fared with a particular Canadian Super Visa insurance company.