Last updated on February 4th, 2020 at 11:38 am
There are many things Super Visa applicants should consider when they make a decision to visit Canada. One of the most important things on that list- proof of insurance coverage that is necessary in order to get the Super Visa.
Being in the insurance industry for quite a while we’ve compiled a list of frequently asked questions that our clients ask. We hope that by answering those questions we can help Canadian residents and well as their parents to get the coverage they need at the price they can afford. Here we go!
Super Visa Insurance: FAQ
What is covered under the Super Visa policy?
Since Super Visa holders are not eligible under the Canadian Health Care system, Super Visa insurance must cover medical care, hospitalization and repatriation.
Those expenses can be covered up to $300,000. Private plans can also provide emergency dental coverage, services of professionals, such as chiropractors, as well as provide accidental death and dismemberment benefits. Visit our website to find out more about the coverage offered by each company.
When should I purchase the insurance?
For the Super Visa you will need a proof of insurance coverage at the time of application. It has to be before you enter Canada, unless you are extending past the first year.
What is the cheapest insurance coverage I can get?
The price of insurance depends on several factors:
– Age: The younger you are, the lower the insurance premiums to be paid.
– Medical Conditions: An insurance policy with a Pre-existing conditions benefit will cost a bit more compared to a regular plan offered on the market.
– Insurance Plan: Insurance policy rates vary greatly depending on different insurance plans.
– Deductible Amount: The higher the deductible you select, the lower the price of the insurance policy will be.
– Coverage Limit: Note that the total amount of insurance coverage greatly affects the premium to be paid.
What is the Deductible Amount and how should I use it?
Deductible is the amount you pay yourself for the required emergency medical services before the insurance company. If you add a deductible option, you agree to cover some of the expenses yourself. It is always better to use low deductible such as 0, $100 or $250. You should add bigger deductible only after consulting with your insurance broker in order to avoid any unnecessary expenses.
How long does it take to receive the policy?
If you purchase the policy yourself online- you will receive it immediately in your email. Monthly Super Visa plans can only be set up by us- so it will take a little longer – 15 minutes to apply. And again, you will get an email with the confirmation.
How can I apply for an insurance coverage?
You can contact us directly at 1-877-211-4301 toll free for more information. You can also apply directly yourself, once you use our rate calculator to find the quote that fits your budget and interest. Yet, if you are applying for a Monthly Payment Insurance Plan for Super Visa, you should contact us directly.
How do I apply online?
It is really easy to apply for coverage. Just go on our website, calculate the premiums, read through the benefits and press Buy Insurance button to apply. Once you fill out some basic personal information, such as age and contact address you will receive your policy by email in a few minutes.
What should I do in case of an emergency?
In case of emergency contact your insurance provider. Their number is on the policy statements that you receive once you purchase the insurance. Your insurer will provide you with assistance, suggest the best options on where to get help, as well as arrange direct billing where possible. It is in your best interest to contact your insurance provider as soon as possible!
Do I have to pay out of pocket to be reimbursed thereafter?
In most cases your insurance provider will be able to arrange direct billing- meaning they will pay directly to a health care provider. If you are in remote location or for some reason it is impossible to set up the direct billing- your expenses will be reimbursed within 1-2 weeks.
Can I pay for an insurance policy on a monthly basis?
We do offer a Monthly Payment plan for the Super Visa applicants. For details about the plan see Monthly Payment Plan for Super Visa.
What if the Super Visa gets rejected?
If your visa is denied you are entitled to a full refund of the insurance premiums you paid. To receive a refund please send us a copy of the rejection letter in order for us to issue the refund.
Can we extend after 1 year?
You can extend your coverage past 1 year. Just contact us prior to the expiration date of your policy and we will extend your coverage. Even if your policy expired you can still apply for a new policy. Waiting period may apply.
Is your health insurance valid across Canada?
Most policies are Canada wide. The policies are constantly changing and you can contact your broker on details about a particular policy.