Coverage for Parents Who Live Abroad to Visit Canada

Posted by maxxlife on April 22,2017




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If you have parents or grandparents who would like to visit you and your children in Canada, you have more options than ever. Most visitors are allowed to stay for up to six months when they come to visit. If they wish to stay longer, they must apply for an extension and pay an additional fee. A parent and grandparent super visa gives visitors more flexibility in how long they can stay, and super visa insurance is a requirement for those who choose this option.

Super Visa Defined

What is a super visa? It is a multi-entry visa that allows parents and grandparents to visit family members in Canada for up to two years without having to renew their status.

Once the super visa is issued, your parents or grandparents will be allowed to visit multiple times during a 10-year period. There are specific requirements about who can apply for a super visa.

Eligibility Requirements for a Super Visa

Only the parents or grandparents of Canadian citizens or permanent residents are eligible to apply for a super visa. Their dependents are not eligible to apply. (They can apply for a regular visitor visa if they wish.)

All super visa applicants must be found admissible to Canada according to existing rules. They must also meet certain other conditions.

When considering whether to issue a super visa, officers consider certain factors, including whether the visitor is likely to leave the country at the end of their visit. Some other factors that may be considered include the following:

  • Purpose of the visit
  • Visitor’s ties to their home country
  • Their family and financial situation
  • Economic and financial stability in their home country
  • Invitation/arrangement with the host family

The parent or grandparent who is applying for the super visa is also required to do the following before they will be allowed to enter Canada:

  • Provide a letter indicating that their child or grandchild in Canada will provide them with financial support during their stay
  • Complete an immigration medical exam
  • Prove that they have Canadian medical insurance in place for a minimum of one year to cover the time they will be staying in Canada

Super Visa Insurance Coverage Defined

What is super visa insurance? It’s medical insurance for visitors to Canada that meets the requirements set by the government. In order to qualify for a super visa, all applicants need to show that they have appropriate super visa insurance coverage in place. If not, the application could be denied for this reason.

Government Requirement for Super Visa Insurance Coverage

The minimum level of coverage required is $100,000.00. This amount is meant to cover all heath care and hospital expenses. The insurance will also cover repatriation, if required.

The insurance must be issued by a Canadian company for a minimum of one year. It must be valid for each entry into Canada if your parent or grandparent is planning more than one visit to the country while their super visa is valid.

The super visa insurance policy must be made available for review on request entering Canada. They need to have a copy of it, along with their passport and super visa, on arrival at any international point of entry.

Insurance Terms you Need to Know Before Buying a Policy

An insurance policy is a legally-binding contract between the insured and the insurance company. Before your parents or grandparents get a quote for coverage, there are some terms they should become familiar with:

Eligibility

Each company determines who is eligible to buy a policy. Some put restrictions on people who have been diagnosed with certain medical conditions, while others will refuse coverage to those who have undergone certain types of medical treatment.

Pre-existing Conditions

Some plans will not cover medical care for pre-existing conditions. Some of them will an unexpected emergency relating to a stable chronic condition. Certain companies other require applicants of a certain age to fill out a qualifying medical history questionnaire, and other ones will provide a custom quote based on answers to a detailed medical questionnaire.

Deductible

This is the amount that each claim that the insured will have to pay personally before the insurance company will pay any money toward a claim. The amount of the deductible is different for each policy.

If the deductible is $0, it means that the insured person doesn’t have to pay anything if they have a covered claim. The insurance company will pay the full amount. A $3,000 deductible means that the insured pays up to that amount for each eligible claim and the insurance company will pay amounts over that amount.

Keep in mind that the higher the deductible, the lower the premiums. Choosing an insurance policy with a lower deductible will mean paying more premiums.

Multiple Entry

Multiple entry coverage means that your parents or grandparents will be able to travel back and forth between Canada and their home country under their super visa policy. The coverage will stop when they return to their home country and start again when they return to Canada. A plan that doesn’t offer this feature will stop automatically when your family members return home.

Out of Country Coverage

Do your parents or grandparents plan to visit outside of Canada during their stay? If you plan to go on vacation to the United States or visit there, make sure that the super visa insurance policy includes out of country or side trip coverage. That way, your family members will be covered for medical expenses outside of Canada.

Refundable

Canadian government rules require that super visa applicants purchase insurance for an entire year. If your family members don’t stay for that amount of time, they will want to ensure that they can get a refund on their super visa insurance for the unused portion of the policy. It’s important to read the refund terms and conditions before making a decision to buy a policy.

Get Quotes for Super Visa Insurance

The best advice is to compare quotes and policies for super visa insurance before making a decision. https://maxxlife.ca can provide your parents and grandparents with quotes from multiple insurance companies online. We make it easy for them to get the coverage they need. For more information please call us 1-855-846-2524.