By rob eagar 
Canada’s Super Visa program allows parents and grandparents of Canadian citizens or permanent residents to visit their family for extended periods, up to two years at a time, without the need to renew their status. However, one of the key requirements to qualify for a Super Visa is that your loved ones must have medical insurance that covers their entire stay. This is where Super Visa insurance comes in—offering essential coverage for emergencies and medical needs.
In this guide, we will explore what Super Visa insurance entails, why it is important for your family’s peace of mind, and how to choose the right plan that provides comprehensive coverage for your parents or grandparents visiting Canada.
What Is Super Visa Insurance?
Super Visa insurance is a type of travel medical insurance designed specifically for parents and grandparents visiting Canada on a Super Visa. It ensures that visitors have access to medical care during their stay and meets the government’s requirement for entry. The Canadian government mandates that Parent Super Visa insurance includes at least $100,000 in emergency medical coverage, including:
- Hospitalization
- Emergency medical treatments
- Doctor’s consultations
- Repatriation of remains
Without Super Visa insurance, your parents or grandparents will not be allowed entry into Canada, as they will not have financial protection for potential health issues while in the country.
Why Do Parents and Grandparents Need Super Visa Insurance?
Super Visa insurance is required for several reasons, primarily to protect your loved ones and yourself from the high costs of medical care in Canada. While healthcare in Canada is publicly funded, visitors to the country—including parents and grandparents on a Super Visa—are not covered by the provincial health plans. Without Parent Super Visa insurance, they would have to pay out of pocket for any medical treatment, which can be financially overwhelming.
The benefits of Super Visa insurance are clear:
1. Medical Emergencies Are Covered
Unexpected medical emergencies can occur at any time, whether your parent or grandparent gets sick or suffers an injury. With Super Visa insurance, they will be covered for hospital visits, doctor consultations, surgeries, and emergency medical care. The minimum coverage of $100,000 ensures that even serious health issues are covered.
2. Peace of Mind for Both You and Your Family
Knowing that your parents or grandparents are covered by Super Visa insurance gives both you and your loved ones peace of mind. If anything were to happen, you can rest assured that their medical expenses will be taken care of, without worrying about high out-of-pocket costs or unexpected bills.
3. Protection from High Healthcare Costs
Medical expenses in Canada can be expensive. A single hospital stay could cost thousands of dollars, depending on the treatment needed. Having Super Visa insurance ensures that your family members are financially protected and receive the best possible care without you being burdened by hefty bills.
4. Required by the Canadian Government
To apply for a Super Visa, the Canadian government requires proof of valid medical insurance coverage for your parents or grandparents. Failure to provide this can result in a denied application. The insurance must meet specific requirements, including a minimum of $100,000 in emergency medical coverage and coverage for at least one year from the date of entry.
What Does Parent Super Visa Insurance Cover?
Parent Super Visa insurance provides a wide range of benefits to ensure that your loved ones receive the necessary care during their stay in Canada. Here are the key coverages you can expect from a comprehensive Super Visa insurance plan:
1. Emergency Medical Expenses
The cornerstone of any Super Visa insurance policy is coverage for emergency medical expenses. This includes:
- Hospitalization: If your parent or grandparent is admitted to the hospital due to an emergency, the policy will cover the cost of their stay, including room fees, surgery, and any necessary treatments.
- Doctor’s Visits: The policy will also cover doctor’s fees, including consultations, specialist visits, and treatments necessary for recovery.
- Prescription Medications: If the insured requires medication as part of their treatment, Super Visa insurance will cover the cost of prescriptions.
2. Repatriation of Remains
In the unfortunate event that your parent or grandparent passes away during their visit to Canada, Super Visa insurance will cover the costs associated with repatriation. This includes the transportation of remains to their home country, funeral expenses, and other related costs, providing invaluable assistance to you during a challenging time.
3. Ambulance Services
In case of an emergency, Super Visa insurance will cover the cost of ambulance services, whether air or ground, required to transport your parent or grandparent to the hospital. Ambulance rides can be costly, so having this coverage can alleviate potential financial strain.
4. Trip Interruption and Cancellation
Some Super Visa insurance policies also offer trip interruption or cancellation coverage. If your parent or grandparent needs to cancel or cut their trip short due to medical emergencies, the policy may cover the cost of rescheduling flights or other trip-related expenses.
5. Pre-existing Conditions (Optional Coverage)
Many Super Visa insurance plans offer coverage for pre-existing medical conditions, although this may come at a higher premium. If your parent or grandparent has any pre-existing conditions, it’s important to find a plan that covers these to avoid exclusions in case of medical emergencies related to their condition.
Factors Affecting the Cost of Parent Super Visa Insurance
The cost of Super Visa insurance can vary depending on several factors. Understanding these variables will help you choose the best coverage for your family at an affordable price.
1. Age of the Insured
The age of your parent or grandparent plays a significant role in determining the Super Visa insurance cost. Older individuals are considered higher-risk, which leads to higher premiums. For example:
- Under 60 years old: The premiums are generally lower and may start at around $1.00 to $2.50 per day.
- 60 to 70 years old: Expect premiums to range from $2.50 to $4.00 per day.
- Over 70 years old: Premiums can rise significantly, sometimes between $4.00 and $7.00 per day, depending on the insurance provider and coverage level.
2. Duration of Stay
The longer the duration of stay, the higher the overall premium. Most Super Visa holders apply for a one or two-year stay, and while longer stays can reduce the cost per day, the total premium will still be higher.
- Short-term stays (6 months or less): Generally result in higher monthly costs.
- Long-term stays (1 to 2 years): The daily cost may decrease, but the overall total premium will increase.
3. Pre-existing Conditions
If your parent or grandparent has a pre-existing medical condition, the cost of Parent Super Visa insurance may increase. Some insurers will exclude coverage for these conditions, while others may offer specialized plans that include higher premiums to cover them.
4. Level of Coverage
Comprehensive plans with added benefits (such as dental care, vision, and extended medical coverage) tend to cost more than basic plans that only cover emergency medical needs. Make sure to balance your budget with the level of coverage needed.
How to Choose the Best Parent Super Visa Insurance Plan
To choose the best Parent Super Visa insurance plan for your loved ones, follow these steps:
1. Compare Multiple Providers
Different insurers offer varying premiums, coverage options, and benefits. It’s important to compare quotes from several providers to ensure you are getting the best coverage for your needs.
2. Read the Fine Print
Ensure you fully understand the policy’s terms and conditions. Some policies may have exclusions or limitations, such as specific waiting periods or coverage for pre-existing conditions.
3. Consider the Specific Needs of Your Family
If your parent or grandparent has a pre-existing condition, make sure to choose a plan that covers these conditions. You may also want to consider additional benefits, such as trip interruption coverage or dental care, if needed.
Conclusion
Parent Super Visa insurance is an essential requirement for families wishing to bring their loved ones to Canada for an extended stay. With Super Visa insurance, your parents or grandparents will be protected in the event of medical emergencies, hospitalization, or other unforeseen health-related issues.
By understanding the coverage options, cost factors, and how to select the right plan, you can ensure that your loved ones are well taken care of during their stay in Canada, allowing you to focus on spending quality time together without worrying about unexpected medical expenses.
Start comparing Super Visa insurance plans today to find the best coverage at affordable rates and give your family the protection they deserve during their visit.