Super Visa Insurance FAQ's

Because visitors to Canada are not covered by a Government Health Insurance Plan (GHIP), the government of Canada requires visitors under the super visa to have emergency medical insurance for Canadian Insurance companies.

The visitor must buy coverage of at least $100,000 from Canadian Insurance Company. Above all the Insurance industry in Canada is regulated and serve the best needs of clients. However when you buy insurance from Canadian Insurance company, your peace of mind is guaranteed because you get comprehensive Super Visa Insurance with direct hospital billing and above all your out of pocket expenses can be covered 100% and you pay zero dollar.
The Super Visa Insurance coverage must include the following:

• Health care
• Hospitalization
• Repatriation
• Be valid for 1 year from the date of entry into Canada.

This coverage must be purchased each time the visitor enters Canada. Because the Border security agents may ask for proof of coverage at the time of entry. It is highly advisable to carry proof of medical insurance while entering Canada.

As per CIC guidelines, each visitor must buy minimum $ 100,000 coverage before coming to Canada. The policy starts when a person lands in Canada and some companies cover transit period as well (conditions apply, check policy wording).

Initially when you buy coverage, you have to provide tentative travel date however the actual date of travel can be anytime in the future therefore the applicant can get the date change done any number of times. In the nutshell the Super visa insurance will start when a person leaves the country of residence in other words he or she is covered in transit also.

Most importantly the person who is entering to Canada on a valid super visa must have the proof of insurance to show to the border services agent.

The super visa policy is valid for one full year but some companies do cover for one and half year or two full years as well. Please refer to plan details of each company’s policy wording booklet.

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 expenses, the insurance company will begin to reimburse for expenses after you pay the first $50 of your medical bills.

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.

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The Privacy Act of 1983, which limits the collection, use and disclosure of your personal information gives you the right to access and correct personal information which has been collected You can learn more from the Treasury Board of Canada Secretariat.

You are 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 under PIPEDA:
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2. Identifying purposes
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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.

To summarize one must read the exclusion section in the insurance policy booklet for exact definition.

Yes. If you choose a policy that includes pre-existing conditions, you will be covered for it.

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.

Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply. Partial refunds are also available in case insured goes back to home country before completion of one year.

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.

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.

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.