Pre-Existing Conditions

pre-existing condition in a Super Visa Insurance

free quotes super visa / visitor insurance

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Would you like to cover a STABLE existing medical condition? (The coverage is subject to policy limits. Please, read your insurance policy for all terms and conditions)


Super Visa Insurance

Can I get coverage for pre-existing condition in a Super Visa Insurance?

Do you have health issues  like:

  • Congestive heart disease- Yes, We cover this pre-existing condition
  • Heart Faliures- Yes, We offer super visa insurance to Heart Patients
  • Diabetes- Yes, We shall cover your diabetes
  • Liver problems- Yes, Our insurance company covers stable condition
  • Neurological problems- Yes, we do cover
  • Bran issues- Yes, limited coverage available…refer to policy guide
  • Cancer  

To conclude, We at Life Care help you to select right Super Visa insurance coverage for your parents or grandparents to cover pre-existing medical conditions.

Generally, pre-existing condition is defined as any sickness, injury or medical condition for which the insured consults a physician, having symptoms, is hospitalized or medications are prescribed within a certain period before the effective date of Super Visa insurance or Visitor to Canada coverage.

  • First of all, each insurance company treats pre-existing conditions differently and this is the major reason for declined claim under Super Visa Insurance.
  • Therefore the policy wording of each insurance company must be carefully read to find out if your pre-existing condition will be covered or not.
  • The look back period may vary from 3 months to one year. That is why one must read the exclusion section in the insurance policy booklet for exact definition. Above all, make sure you understand the policy wording as it applies to your condition.
  • For example, A reduction in medication, even if your client’s health is improving, may mean the pre-existing condition is no longer stable and controlled. If you are unclear about their condition, refer them to their family physician. 

In other words, in the absence of medical insurance, you could be liable for significant financial expenses if they become ill or injured while they are here. These fees would have to be paid out of pocket.

The super visa medical insurance will protect them from all out of pocket medical expenses to the policy maximum and in addition they can be covered for accidental death also.

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Frequently Asked Questions

When should I purchase medical insurance (Visitor to Canada) ?

You can buy the coverage before or after arrival. But we recommend you to purchase prior to arrival to Canada.

Why should I buy travel insurance?

Travel insurance protects you in the case of medical emergencies, delays, theft and the last–minute plan changes that can happen anytime, anywhere, whether you travel frequently or occasionally.

What is the maximum number of days I can buy travel insurance for?

This also depends upon different travel insurance providers. For more details contact us at our toll free number: 1 877 495 2525.
Email: office@lifecareinsurance.ca

What is a Deductible?

This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with $50 deductible and incur $200 of expense, the insurance company will begin to reimburse for expenses after you pay the first $50 of your medical bills.

Why should I contact Life Care Insurance?

You may need service for claims, date change, extension, and increase in coverage, more family member coming to visit or you traveling out of Canada. There could many reasons to contact us and we are committed to provide you satisfactory service as and when you need.
You can contact us through our Toll Free Number 1 877 495 2525.Email: info@lifecareinsurance.ca

Is Life Care Insurance an insurance company?

No, Life Care Insurance and Financial Experts Inc. is Canada’s one-stop insurance portal. We are an online insurance shopping tool, providing consumers with insurance information and quote of provide competitive from competing insurance companies, 24/7. We are not an insurance company, but we do work closely with most of Canada’s top insurance providers to deliver unbiased information and quotes to our clients.

Is there any cost for getting quotes through lifecareinsurance.ca?

Absolutely not; the portal is a free online service where you can get unbiased quotes.

Requirements to Qualify for Super Visa

  • Parent or grandparent of Canadian citizen or permanent resident of Canada.
  • The person must be allowed to enter Canada.
  • In the application one must Provide proof that your child or grandchild meets the minimum income threshold.
  • The sponsor must give a written statement that he or she will give you financial support.
  • Letter of invitation from your child or grandchild.
  • Have medical insurance coverage for one year with a minimum of $100,000 coverage.

Frequently Asked Questions

When should I purchase medical insurance (Visitor to Canada) ?

You can buy the coverage before or after arrival. But we recommend you to purchase prior to arrival to Canada.

Why should I buy travel insurance?

Travel insurance protects you in the case of medical emergencies, delays, theft and the last–minute plan changes that can happen anytime, anywhere, whether you travel frequently or occasionally.

What is the maximum number of days I can buy travel insurance for?

This also depends upon different travel insurance providers. For more details contact us at our toll free number: 1 877 495 2525.Email: office@lifecareinsurance.ca

What is a Deductible?

This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with $50 deductible and incur $200 of expense, the insurance company will begin to reimburse for expenses after you pay the first $50 of your medical bills.

Why should I contact Life Care Insurance?

You may need service for claims, date change, extension, and increase in coverage, more family member coming to visit or you traveling out of Canada. There could many reasons to contact us and we are committed to provide you satisfactory service as and when you need.

You can contact us through our Toll Free Number 1 877 495 2525.Email: info@lifecareinsurance.ca

Is Life Care Insurance an insurance company?

No,  Life Care Insurance and Financial Experts Inc. is Canada’s one-stop insurance portal. We are an online insurance shopping tool, providing consumers with insurance information and quote of provide competitive from competing insurance companies, 24/7. We are not an insurance company, but we do work closely with most of Canada’s top insurance providers to deliver unbiased information and quotes to our clients.

Is there any cost for getting quotes through lifecareinsurance.ca?

Absolutely not; the portal is a free online service where you can get unbiased quotes.

I found a rate lower elsewhere. Why is that?

The portal offers quotes from some of Canada’s leading insurance companies – but not all of them. If you have a rate through a group program or enjoy discounts from your current provider because you’re a long-standing customer, you may find a better rate elsewhere. 

IF you are getting low rates as compared to us , Please feel free to contact us .Via all Toll Free Number or Email at : office@lifecareinsurance.ca

What is your privacy policy and is the site secure?

Yes Lifecareinsurance.cavalues your privacy, and demonstrates our commitment to your privacy.

You can learn much more about privacy from the Office of the Privacy Commissioner of Canada.

The Privacy Act

You are protected by The Privacy Act of 1983, whichlimits the collection, use and disclosure of your personal informationgives you the right to access and correct personal information which has been collectedYou can learn more from the Treasury Board of Canada Secretariat.

PIPEDA

You are also protected by PIPEDA (the Personal Information Protection and Electronic Documents Act), which started taking effect in 2002. You must give consent before information about you is collected, used or disclosed. Ten principles apply:

  1. Accountability
  2. Identifying purposes
  3. Consent
  4. Limiting collection
  5. Limiting use, disclosure, and retention
  6. Accuracy
  7. Safeguards
  8. Openness
  9. Individual access
  10. Challenging compliance

You can learn more from the Treasury Board of Canada Secretariat.

What is a Pre-existing Condition?

Generally, pre-existing conditions are defined as any sickness, injury or medical condition for which the insured consults a physician, having symptoms, is hospitalized or medications are prescribed within a certain period before the effective date of coverage. Each insurance company treats pre-existing conditions differently and this is the major reason for declined Super Visa. The look back period may vary from 3 months to life time. Please, read the exclusion section in the insurance policy booklet for exact definition.

Is it possible to extend a Visitors Insurance policy term?

Most Visitors Insurance policies can be extended. Just call us or your insurance company prior to the expiration of the policy. The insured person must be in good health and should not have any pending Super Visa.

Can I cancel an insurance policy and receive a refund?

Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply.

Do I need to take a medical test before I can buy Visitors to Canada insurance?

No. There is no medical exam required prior to purchase. You just have to fill the form which comprises of a few medical questions. You must answer all questions honestly, as not doing so may void (cancel) your coverage.

Can I choose any doctor/hospital?

There are no restrictions where you seek medical service in Canada, as long as the amount charged by the providers is Usual, Customary and Reasonable for a particular service, treatment, or supply.

Can my parents buy health insurance from their home country?

According to the above quote from the government’s website, proof of Canadian medical insurance is required. While this may change in the future to a list of approved international carriers, the guidance so far is for visitors to purchase visitors insurance from a Canadian company.

Can I purchase a policy for my family members who are planning to come for a visit?

Yes. Any person can purchase a visitors insurance policy on behalf of someone coming to Canada.

Is the parent and grandparent super visa a multi-entry visa?

Parents and grandparents of Canadian citizens or permanent residents who have been found admissible to Canada and meet some other conditions are eligible for the Super Visa as stated by Canadian Government.

Can I get a discount if I buy visitor's insurance for 2-3 people visiting together to Canada?

You can apply for a quote online by visiting our website or call our toll free number. After going through your requisites we will be able to give you a competitive rate.

Can I get Super Visa Medical Insurance for ages: 87, 88, 89 and above?

In case your parents or grandparents are above 87 years of age then call us for special rates @ 1 877 495 2525.

Can we cover Diabetes as a Pre-existing Condition under Super Visa Insurance?

Yes, the coverage depends on stability period, complications, age and other medical issues. In most cases we can cover the pre-existing condition; but we advise you to talk to live agent or refer to policy manual.

Which Super Visa Insurance plan is the best; with deductible or no deductible?

This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with $50 deductible and incur $200 of expense, the insurance company will begin to reimburse for expenses after you pay the first $50 of your medical bills.

Refund of money in case of visa refusal?

In case your Super Visa application is refused you will get the full premium refund. You will have to provide proof of the rejection of your super visa application in order to process the cancellation request.

In case parents or grandparents go back to their home country, is there an early refund of premium?

If parents or grandparents decide to go back before their Super Visa expires after 12 months, a prorated refund is available. You only pay for the months they stay in Canada. Note:- Partial refunds are possible, only if there are No Claim(s) on the policy.

What is the recommended amount of insurance benefit to purchase?

Generally one should to purchase at least 100,000 $ of medical insurance coverage as hospital cost for visitor to Canada can run up to 2500 $ Per Day.But, one should consider all aspects not limited to age, Health status, Pre-existing condition etc.

Special Note: For super visa application; one must buy at least $ 100,000 medical insurance from Canadian Insurance Company.