What You Need to Know about Super Visa Insurance
Near the end of 2011, the Canadian government introduced a new type of visa that allowed visitors to the Great White North to stay up to two years. This new Super Visa was a vast improvement on previous visa that cost a lot more and took longer to gain approval. Now, if a parent or grandparent who is visiting Canada wants to stay for longer than six months, they can just get a Super Visa.
One of the main requirements to obtain this visa is to have Super Visa medical insurance. There are a variety of factors to take into consideration when finding the right coverage. This entry will help you understand what you need to think about as you are getting quotes.
You Can Still Get Coverage with Pre-Existing Conditions
If you suffer from pre-existing conditions, there may still be plans out there available for you. As a matter of fact, some of the most common pre-existing conditions do not disqualify you from some policies. These conditions include
· High blood pressure
· Heart conditions
· Diabetes
Most of the time, you need to demonstrate that your pre-existing condition is in stable condition before you can get Super Visa medical insurance. Though the definition of “stable” varies among different policies, it commonly refers to no pending tests from the doctor, no change in medication, and evidence from the policy holder’s doctor that there have not been any recent significant changes to the condition.
Before submitting your Super Visa application, you must submit proof that you have the insurance. A minimum of $100,000 of coverage must be included in the policy. Many who obtain Super Visa medical insurance are concerned about what happens if their Super Visa application is denied. Do they just lose the money they spent on the insurance? The answer is no. If your parents or grandparents are not able to secure a visa, then their money will be refunded in full. Many insurance companies are good about getting the money back to you immediately.
One Year of Coverage Minimum
A minimum duration of one year of Super Visa medical insurance is required. The dates of the insurance policy can be chosen by the applicant. Before the actual effective date, insurers are able to change the tentative date for which your policy will be valid. You can change your dates by sending an email or picking up the phone.
To ensure the policy is in effect for the appropriate dates, it is the responsibility of the insured to adjust the tentative dates. The first day of the insurance protection policy should be the date when the visiting loved ones come to Canada. From that day, the one year of coverage starts.
Eight days before the expiration of the old policy, you must purchase a new policy if you want to stay in Canada for more than one year. As is the case with a rejected application, your parents and grandparents can get a refund on any unused insurance if they decide to leave the country prior to one year. The premiums are pro-rated to determine how much money you would get back.
As you may have been able to tell from this entry, the many requirements and caveats of the Super Visa insurance can be confusing and a little intimidating. Luckily, there are brokers like pucherinsurance.com that can listen to your needs and provide you with an array of quotes to fit your needs. pucherinsurance.com has access to many insurance rates. This allows you to pick the best one without spending too much.