Best Super Visa Insurance

October 30, 2020 | Editorial Team

Super Visa Health/Travel Insurance

Being away from your family, especially when they are in another country, is hard. The government of Canada recognizes this and wants to help keep families of citizens and permanent residents together. Thus, they created the Super Visa to help parents and grandparents visit Canada. To be eligible for the Super Visa, parents and grandparents must have insurance from a company in Canada.

One of the best insurance providers, both in Canada and internationally, is World Nomads. If you’re interested in the Super Visa and want to know more about what insurance is available to you, keep reading!

World Nomads

If you have ever looked for travel insurance, either in Canada or internationally, you have likely come across World Nomads. They are one of the most well-known travel insurance providers in the world, and they have been around since 2002. They offer a wide range of travel insurance plans that can be used for your Super Visa application.

The main insurance requirement for a Super Visa is that you have medical insurance coverage of at least $100,000. World Nomads offers unlimited emergency medical coverage with the Explorer Plan. With the standard plan, you still receive $5,000,000 of coverage. More than enough to be eligible for the Super Visa.

Emergency transportation, such as from an ambulance, can be expensive. World Nomads knows this, so they provide separate coverage. An unlimited amount with the Explorer Plan and $500,000 with the Standard Plan.

In addition to emergency medical coverage, you will also receive trip cancellation. If you had to cancel your trip unexpectedly due to an emergency or it was cancelled, you will be covered. Again, for an unlimited amount with the Explorer Plan or $3,500 with the Standard Plan.

Lastly, your personal items like electronics or passports will be covered as well. If they are stolen or damaged by something that was out of your control, World Nomads will reimburse you. Up to $10,000 with the Explorer Plan and $2,000 with the Standard Plan.

Extras you may not have thought of are also included. For example, emergency dental expenses can be covered with World Nomads as well.

As the only insurance you need for the Super Visa is $100,000 worth of medical insurance, the rest is all a bonus! World Nomads is available 24/7, making them easy to contact in the event of an emergency.

Exact coverage and prices will vary depending on the person. The good news is that receiving a specialized quote from World Nomads is completely free. You are also not obligated to purchase a plan from World Nomads after receiving your quote. It is always better to be well-informed on all of your options, so why not head over there now for a free, no-obligation quote?

What is the Canadian Super Visa?

If you have parents or grandparents outside of Canada, you may have heard of the Canadian Super Visa. The Super Visa for Canada is a visa for parents and grandparents of Canadian citizens and permanent residents. It is a multi-entry visa that allows them to be visitors to Canada for up to two years at a time. It can be used for up to ten years.

The Super Visa application tends to be easier than other visa types, such as the application for permanent residents. This is because wait times and fees for the Super Visa to Canada are often lower. Thus, parents and grandparents of Canadian citizens often opt for the Canada Super Visa, then switch to permanent residency or citizenship if they can.

Parents and grandparents of Canadian citizens need medical insurance from a Canadian insurance company to be eligible. Let’s look into what coverage Super Visa Insurance typically offers.

What Does a Super Visa Insurance Cover?

To be eligible for the Super Visa of Canada, parents and grandparents must have specific medical insurance coverage. The main condition parents and grandparents must meet is that they have proof of medical insurance for at least one year. This applies even if they don’t plan to stay for the whole one year. This proof needs to be shown every time they want to be visitors to Canada.

Their medical insurance must have $100,000 in health coverage from a Canadian insurance company. This coverage should be for any emergency medical needs. It should also cover repatriation if necessary. $100,000 is simply the minimum amount, but higher coverage is typically available.

What are the Super Visa Insurance Requirements?

You may be wondering if you, as parents and grandparents, can take advantage of the super visa to become visitors to Canada. The number one eligibility requirement is that your children or grandchildren must be Canadian citizens or permanent residents. You must also have a letter from said Canadian citizens or permanent residents inviting you to Canada. You will also need medical insurance, which we discussed, as well as proof of an immigration medical exam.

The rest of the eligibility requirements tend to fall on the children or grandchildren. They must be able to prove that they can financially and physically support you while you stay in Canada.

The government will also try to investigate whether you are legitimately trying to visit Canada and not just coming for other reasons such as for work or asylum.

The Super Visa and Travel Insurance Explained

Parents and grandparents may be wondering why they need Super Visa insurance from a Canadian insurance company. Especially because Canada is known to have great, free health insurance. Unfortunately, Canadian health insurance only provides coverage for Canadian citizens and permanent residents. Coverage tends to include hospitalization and general check-up costs.

You may have a similar type of coverage in your home country. But, that coverage likely does not apply to you outside of that country. So, when you travel to Canada as a foreigner, you need travel insurance coverage.

When you travel normally, say for a vacation, travel insurance is not legally required to enter a country. It is always a good idea to have travel insurance, though. Without it, medical emergencies will have to be paid out of pocket. Foreign hospital bills can add up. Wouldn’t you rather have peace of mind knowing you already have coverage?

Although travel insurance is not legally required for vacations, that is not the case with Super Visa insurance. With your Super Visa application, Super Visa insurance is a legal requirement. Looking for the best Super Visa Insurance by talking to more than one insurance company is always a good idea. Quotes will be different everywhere for Super Visa Insurance.

Super Visa Frequently Asked Questions

Does Super Visa Insurance cover pre-existing medical conditions? 

Whether your Super Visa insurance covers pre-existing conditions or not depends on the company. Companies tend to have specific requirements for pre-existing conditions. So, it is important to talk to each one directly about your condition to make sure you will be covered.

Can I/my parent/grandparent get a refund on Super Visa Insurance if they/I don’t stay a full year?

Again, this depends on the insurance company and policy. The Super Visa application requires you to have paid in full for a year of coverage. This is necessary even if the person plans to stay in Canada for two months. Some insurance companies may let you get a partial refund if you haven’t made any claims. It is important to find out the refund eligibility before signing or paying for anything.

Will insurance from another country be eligible? 

Parents and grandparents must have Super Visa insurance from a Canadian company, not from their own country. Don’t take the risk of your Super Visa application being rejected because you don’t have the right insurance.

Can citizens and permanent residents buy Super Visa insurance for their parent or grandparent? 

Yes, anyone is able to purchase Super Visa Insurance.

Is $100,000 worth of insurance coverage enough for the Super Visa?

$100,000 is the minimum amount required to get approved for a Super Visa in Canada. That being said, it may not be enough in the case of an emergency. A hospital visit in Canada can cost up to $3,000 a day. Repatriation costs are even higher. Thus, it may be better to purchase a higher insurance policy. Anything the parent or grandparent can’t pay will be the responsibility of the child or grandchild.

The Bottom Line

Immigrating to a new country can be hard and can take years. Parents and grandparents don’t want to be away from their family for this long. Instead, they may choose to visit their family in Canada by applying for a Super Visa.

The Super Visa is a great option for parents and grandparents that are eligible. It lasts much longer than most visas (ten years) and is often easier to obtain if you meet the eligibility requirements. One of the biggest eligibility requirements that we discussed is the necessary health insurance.

Those looking to enter Canada on a Super Visa must have $100,000 worth of health insurance coverage from a Canadian company. The insurance must be paid upfront for a year. If not, parents and grandparents may be turned away at the border.

Avoid that disappointment by getting the best health insurance possible from a company such as World Nomads. Health insurance is more than just a legal requirement in this case. It ensures that you or your parents/grandparents will be covered in the case of an emergency. It is always better to have peace of mind by purchasing the best insurance as medical bills you weren’t expecting can be a nightmare.