Is It Possible to Get Super Visa Insurance with Preexisting Conditions?
With the introduction of the Super Visa program, the close relatives of Canadian residents can now come to visit for up to two years at a time. Previously, they were only allowed to stay for six months, and if they wanted to stay any longer, they had to pay high fees and wait a long time for the application process to be completed. Now, the process is streamlines so Canadians can spend time with their loved ones.
One of the bigger and more controversial requirements of the new Super Visa is that all visitors on the visa must have Super Visa travel insurance before they can even apply. The reasoning behind this is that Canada’s world renowned universal healthcare system does not cover visitors to the country. Therefore, visitors have to pay their own way, unless they have insurance.
With Super Visa users staying for up to two years at a time, the likelihood of needing healthcare increases. And, the cost of healthcare can be astronomical if you do not have insurance coverage. Consequently, the government wants to make sure these visitors are not stuck with a hospital bill that they cannot pay. They do this by requiring Super Visa travel insurance.
What Is a Preexisting Condition?
Unfortunately, it can be quite difficult to get any sort of insurance when you have preexisting conditions. What are pre-existing conditions? They are generally defined as any disease, illness, sickness, injury, or other mental, physical, nervous, or medical disorder, ailment, or condition that existed, with reasonable medical certainty, at the time of application for insurance (or sometimes for a specific period of time prior to the effective date of the insurance). This is whether or not it was previously treated, symptomatic, disclosed, diagnosed, or manifested prior to the effective date, including any subsequent recurring or chronic consequences or complication related to the condition.
You might be asking, “What the heck does that mean?” That is a pretty accurate response. This is because the lingo the insurance companies use can sometimes be purposely confusing. This makes it important to get the help of a pro, like pucherinsurance.com, to help you decipher the policy language.
Now, there is a vast array of different plans on the market today. Some allow for preexisting conditions and other do not. You should be aware that those policies that allow for preexisting conditions are typically a lot more expensive, so they should only be purchased by those who actually have preexisting conditions.
How Do You Know an Insurance Policy Allows for Preexisting Conditions?
To find out if a particular form of Super Visa travel insurance will cover your preexisting condition, it is best to go with an experience broker like pucherinsurance.com. Not only will they be able to help you look through the fine print to see if a policy is right for you, pucherinsurance.com will also help you find the best deal for your needs.
Once you do find a plan that is the right fit for you, you can realize a variety of benefits:
· Easy renewal if parents or grandparents decide to stay for more than a year
· Costs for hospitalization, repatriation, and healthcare are covered
· A minimum of $100,000 of coverage
Now, you may be a little apprehensive to purchase the Super Visa travel insurance before submitting an application because you are unsure if your application will be accepted. To account for this, insurance companies offer a 100 percent refund if you application is rejected. Also, if you stay less than a year, you can also usually get a pro-rated refund.