Super Visa Insurance FAQ
1. What is Super Visa Insurance? Super Visa Insurance is a type of medical insurance specifically designed for parents and grandparents of Canadian citizens or permanent residents who are visiting Canada under the Super Visa program. It provides emergency medical coverage for the duration of their stay.
2. Why is Super Visa Insurance required? The Canadian government requires Super Visa applicants to have medical insurance to ensure that visitors have adequate coverage in case of a medical emergency, thereby preventing financial burden on the Canadian healthcare system.
3. What are the minimum requirements for Super Visa Insurance?
- Coverage of at least $100,000 CAD
- Valid for at least one year from the date of entry to Canada
- Must cover healthcare, hospitalization, and repatriation
4. How much does Super Visa Insurance cost? The cost varies depending on factors such as the applicant’s age, health condition, coverage amount, and duration of stay. Generally, it can range from a few hundred to several thousand dollars per year. Get instant rates online at https://unitedlife.ca/super-visa-insurance/.
5. What does Super Visa Insurance cover?
- Emergency medical care
- Hospitalization
- Prescription medication
- Doctor visits
- Diagnostic tests
6. Does Super Visa Insurance cover pre-existing conditions? Yes, but it’s important to disclose all medical conditions, even if you are not taking any medications, to the advisor for better recommendations.
7. Can I get a refund if my Super Visa application is denied? Yes, if your Super Visa application is denied, we offer a 100% refund of your premiums. Simply provide us with the denial letter from the Canadian government.
8. What if my visa is approved but my parents want to travel later? You can ask us to adjust the dates until the trip is finalized. You can also pre-pone or postpone the coverage dates as needed.
9. What happens if my parents leave Canada earlier than planned? If your parents leave early, you can cancel the insurance and get a refund prorated for the unused portion of the policy.
10. Do I get a refund if my parents leave early but I have already made a claim? Yes, we have options where you can receive a refund for the unused portion of the policy even if you have made claims. Specific conditions apply, so please check with us for details.
11. Can I pay in installments? Yes, we offer monthly installments. You just pay for the first two months to get the insurance, and the remaining payments start only when your parents arrive in Canada.
12. Do I need to go through a credit check if I choose monthly payments? No, we do not require any credit score check to approve monthly installments.
13. What happens if I am unable to pay a monthly premium? If you miss a payment, both you and your agent will be notified. You can arrange the payment, and we will do our best to accommodate a payment deferral.
14. How do I apply for Super Visa Insurance?
- Compare quotes from different insurance providers to find a plan that suits your needs.
- Select the desired coverage amount and duration.
- Provide necessary information such as the applicant’s age, medical history, and travel dates.
- Purchase the policy and receive your insurance documents.
15. What happens if I need medical care while in Canada? In case of a medical emergency, you should visit the nearest healthcare facility. Contact your insurance provider as soon as possible to inform them of the situation and follow their instructions for claims processing.
16. How do I make a claim on my Super Visa Insurance?
- Contact your insurance provider’s claims department.
- Provide necessary documentation such as medical reports, receipts, and any other requested information.
- Follow the claims process as outlined by your provider.
17. Do I need to renew my Super Visa Insurance every year? Yes, if you plan to stay in Canada for more than one year, you will need to renew your Super Visa Insurance annually to maintain continuous coverage.
18. Can I purchase Super Visa Insurance after arriving in Canada? It is mandatory to have Super Visa Insurance not just for visa application, but also for every entry into Canada.
19. What if my parents are coming to Canada but plan to stay only a few months? You still need proof of insurance for one year and a minimum of $100,000. You can cancel the insurance as soon as they leave Canada and get the remaining premium refunded. You can choose monthly installments or a lump sum payment and can also get refunded even if you made a claim when they leave early.
20. How can I get premium discounts? Rates are based on age, health conditions, and deductibles, so you may choose to add some deductibles to get the premiums lowered.
21. Are insurance rates the same from every agent? Yes, insurance rates are defined by insurance companies based on age and health, so all agents have the same rates. It is very important to compare the rates with the same deductibles and pre-existing conditions. Apple-to-apple comparison is very important. Sometimes you may be comparing rates that do not have the same coverage amounts, deductibles, or pre-existing conditions.
22. What happens after purchasing an insurance policy but realizing it’s not the right one? We offer a 10-day free look period for you to read the full policy and get refunded 100% if you don’t like it or find something that was not disclosed by your agent.
For more information or to get an instant quote, please visit https://unitedlife.ca/super-visa-insurance/ or contact us at info@unitedlife.ca or call +1(905)906-7000.
