Canada is a land of abundant opportunities which attracts a large number of people the world over, who arrive in this country to share its opportunities and better quality of life. While we endeavour to establish ourselves in this nation, one of our primary concerns remains the ‘union with our parents’, and we desire that our parents may live together with us for a longer duration of time. We hope that the below mentioned FAQs will address your concerns to enable you reunite with your parents/ grandparents.

Q: Can I purchase a visitor’s policy for my parents?

Yes, you can certainly purchase visitor or super visa insurance for your parents.

Q: Who is eligible for Canada’s Super Visa?

Though all visitors coming to Canada can get emergency medical coverage under Visitor’s insurance, parents and grandparents of Canadian citizens and permanent residents are eligible for supervisa. This new type of visa has been in existence for over eight years (started- Dec 1, 2011) and is already proving to be an extremely popular option that is reuniting families across Canada. 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.

To be eligible for a Super Visa, you’ll need to provide the following information:

  • The person’s ties to the home country
  • The purpose of the visit
  • The person’s family and financial situation
  • A written commitment of financial support from the Canadian child or grandchild who meets a minimum income threshold
  • Complete Immigration Medical Examination
  • Proof of Canadian medical insurance (very important)

Q: What amount of visitors travel medical insurance should I purchase?

Medical expenses in Canada can be extremely high, amounting to over $3,000 per day of hospitalization, and air ambulance charges to return you home can further escalate to tens of thousands of dollars. Therefore, it is recommended that you should purchase $100,000 of medical insurance coverage. It will provide you peace of mind by easing your financial burden in case of any unforeseen expenditure. If my parents return home before the end of one year, can they get a refund on the premium? If your parent/grandparent returns earlier than the expiry date of coverage, the premium is refundable on a Pro rata basis. After deducting an administration fee of $25 to $250 (varies from company to company), the refundable amount is calculated on a per-day-basis. In case the visa is not issued, you can cancel the policy to get a full refund.

Q: Can I purchase insurance coverage from an insurance company in my parent’s home country?

No. According to the rules of CIC, supervisa insurance needs to be purchased from a Canadian insurance company. Sandeep Ahuja

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

Yes. Different insurance companies offer plans for both pre-existing condition and without preexisting condition. For pre-existing medical conditions, a stability period is required. Depending upon their provisions, insurance companies demand a stability period of 3 months, 4 months or 6 months.

Q: Are regular checkups covered under visitor’s insurance and Super Visa insurance policies?

Visitors to Canada medical insurance and Super visa insurance are intended to cover the expenses for medical emergencies that the visitor may experience during his stay in Canada. However, regular checkups are not covered under these policies.

This article is © Copyrighted 2019-09- 25 and can be reproduced only with prior permission.

Sandeep Ahuja
604-996-6862 sandeepahuja@punjabinsurance.ca