Table of Contents:
- About This Insurance
- Simple Assessment Form
- Benefits
- Conditions
- Coverage
- Premium Rate
- Policy Changes After Issuance
- Important Notes
- Real-Case Examples
- FAQ
About This Insurance
One of the biggest challenges for many immigrants is being away from their families. Parents who want to visit their children in a foreign country face many difficulties and complexities. In 2011, the Canadian government passed a law to make it easier for parents and grandparents of citizens and permanent residents to enter Canada. This law eventually became known as the Canada Super Visa. The Super Visa is designed for parents and grandparents to stay long-term with their children and does not have a specific time limit. It can be valid for up to 10 years, and the applicant can stay in Canada for up to 5 years without leaving.
One of the main requirements for obtaining the Super Visa is having insurance called Super Visa Insurance, which is valid for one to two years (depending on the issuing company). Super Visa Insurance is a type of travel insurance specifically designed for the parents and grandparents of Canadian permanent residents or citizens. This insurance provides extensive coverage for emergency medical care in Canada and gives insured individuals peace of mind that they will be covered in case of medical issues during their stay in Canada.
Rahimian Insurance has been a leader in organizing seminars and issuing Super Visa insurance since 2011.
Simple Assessment Form
To choose the best and most suitable insurance and to receive an accurate quote, please complete the form below.
***Why is it important to provide accurate personal information in the insurance form? ***
Benefits
- Comprehensive medical coverage:
Super Visa insurance generally provides full medical coverage, including hospital costs, doctor visits, tests, and emergency treatments. - Eligibility for long-term visa:
Having valid insurance with a minimum coverage of $100,000 per person is one of the main requirements for obtaining a Super Visa and helps the applicant secure a long-term visa without worrying about medical expenses. - Emergency and accident coverage:
Super Visa insurance includes medical emergencies and unexpected accidents, so even in the event of sudden illness or injury, costs are covered up to the policy limit. - Financial security:
With insurance, there is no need to pay the extremely high medical costs in Canada out of pocket, allowing individuals to focus on their health and recovery without stress. - Support in emergencies:
The insurance policy usually provides 24/7 assistance services and, in emergencies, can coordinate hospitals, doctors, and even transfers to other medical facilities.
Conditions
To be eligible for a super visa, you must:
- be the parent or grandparent of a Canadian citizen or a permanent resident of Canada
- have a signed letter from your child or grandchild who invites you to Canada that includes:
- a promise of financial support for the length of your visit
- the list and number of people in the household of this person
- a copy of this person’s Canadian citizenship or permanent resident document
- have medical insurance from a Canadian insurance company that is:
- valid for at least 1 year from the date of entry
- at least $100,000 coverage
- have proof that the medical insurance has been paid (quotes aren’t accepted)
Coverage
- Hospitalization and medical treatment expenses
- Outpatient care costs
- Prescription drug and medical coverage
- Emergency dental expenses
- Physiotherapy and chiropractic services
- Private nursing care
- Ground and air ambulance
- COVID-19 coverage
- Compensation for air accidents and accidental dismemberment
- Repatriation of deceased
- 24/7 emergency assistance services
- Return of the insured person to their place of residence
Premium Rate
Super visa insurance, is starting from $1452.70, however it depends on age, coverage, deductible, health status, duration, and company
Policy Changes After Issuance
Changing the Super Visa Insurance Coverage Date:
- The coverage start date can be changed free of charge before the insurance policy begins, based on your travel plans.
- If your visa has not yet been issued, the start date can also be adjusted free of charge before the policy begins.
Refund of Insurance Premium:
- If you return to your home country before the insurance policy ends and have not used any benefits, the remaining portion of your paid premium can be refunded based on the policy terms.
For example, if you return after 6 months and have not made any claims, the unused portion will be calculated and refunded according to the terms. - If your visa application is rejected by immigration authorities and you no longer need the coverage before its start date, a 100% refund of the Super Visa insurance premium is possible after deducting an administrative fee.
Changing Deductibles:
- The insurance deductible amount can be modified before the policy starts and becomes active.
Important Notes
- The Super Visa is a multi-entry visa specifically for parents and grandparents of Canadian citizens or permanent residents. It is valid for up to 10 years from the date of issuance, and the visitor can stay in Canada for up to 5 years at a time without having to leave.
- The cost of Super Visa insurance varies depending on several factors, including the applicant’s age, health conditions, length of coverage, and the insurance provider. Therefore, don’t be surprised if two individuals of the same age receive different insurance quotes.
- If the visa is not approved, the insurance can be canceled.
- In certain exceptional cases, such as illness, death, or accident of the traveler (with sufficient documentation and approval from the insurance company), and if the coverage has not yet started, the insurance can be canceled. Please note that in such situations, the insurance provider must be notified immediately and before the coverage start date.
- According to Canadian government regulations, presenting proof of valid insurance upon entry into Canada is mandatory.
- If you are not familiar with insurance products, do not attempt to purchase it online without guidance. Errors in answering the form questions can result in incorrect premium amounts or ineligible coverage.
- When purchasing Super Visa insurance, do not withhold any health information. If you are taking medications or have pre-existing conditions, make sure to inform your insurance advisor when completing the forms. Transparency is essential for proper coverage.
- Some sellers, in order to offer cheaper prices and increase sales, may raise the deductible to as much as $10,000. This significantly reduces the value of the insurance, as no claim will be paid until the cost exceeds the deductible, making the policy nearly useless in many cases. Do not expect such critical details to be explained if purchasing insurance from non-experts, such as travel agencies.
For the most up-to-date rules and regulations, please refer to the official website of Immigration, Refugees and Citizenship Canada (IRCC).
Real-Case Examples
I, Rajesh K., a 68-year-old from India, had come to Vancouver a few years ago to visit my family and was planning to stay for 18 months. Only three months after my arrival, one afternoon while walking, I felt a severe pain in my chest. My heart was racing, and it was difficult to breathe. My son, who was with me, anxiously called 911, and an ambulance quickly took me to the hospital.
In the emergency room, doctors promptly examined me and ran tests, diagnosing a blocked artery that required immediate angioplasty. Imagine facing such a dangerous situation in a foreign country, far from home and loved ones—it was incredibly stressful. Fortunately, before my trip, my son had consulted Rahimian Insurance regarding Super Visa insurance, as this insurance is one of the requirements set by the Canadian government for issuing a Super Visa. They reviewed my medical history, health condition, and length of stay and issued me Canadian Super Visa insurance with $100,000 coverage, which was also extendable. This insurance, covering all emergency, surgery, hospitalization, medication, and follow-up costs (which included the following), provided peace of mind for both me and my family:
- Emergency ambulance: $850
- Hospital stay (5 days): $18,500
- Surgery and medical services: $27,200
- Medication and follow-up: $2,300
Total: $48,850
In those critical moments, having insurance was my greatest comfort because it covered all costs, and not a single dollar came out of my pocket. This experience showed me that Super Visa insurance is not just a piece of paper; in difficult moments, you truly feel a reliable support by your side. When I think back to those days, I remember both the fear and anxiety of that time and the reassurance provided by having insurance from Rahimian Insurance.
FAQ
Is having health insurance mandatory to obtain a Super Visa?
Yes, one of the main requirements for getting a Super Visa is having valid health insurance from a Canadian insurance company. The insurance must:
- Provide at least one year of coverage;
- Include a minimum of $100,000 in emergency health coverage;
- Cover emergency care, hospitalization, and treatment;
- Be valid and active from the date of entry into Canada;
- And a proof of purchase or insurance quote must be submitted with the visa application.
This requirement exists because Super Visa holders are not covered by Canada’s public health insurance, and the government is not responsible for their medical expenses in case of illness or injury.
