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3 Tips for Renewing Your Super Visa Insurance

Apr 07, 2015 (0) comment

Millions of travellers visit Canada each year. Of those, thousands of visitors travel to Canada under the super visa. The super visa is a Canadian government issued visa which allows parents and grandparents of Canadian citizens and permanent residents to stay in Canada for up to two years without having to renew their status. The visa itself is valid for up to 10 years.

A qualifying condition of being granted a super visa is showing proof of emergency medical insurance from a Canadian insurance provider. The insurance must be valid for a minimum sum insured of $100,000 and provide coverage for at least one year.

It is mandatory for all super visa holders to maintain this coverage while in Canada, even after the first year has passed. In other words, super visa holders must renew their Visitors to Canada Emergency Medical Insurance if they plan to remain in Canada. Visitors to Canada insurance is often called ‘super visa insurance’ when this type of insurance fulfils the emergency medical insurance component of a super visa application.

Super visa holders may want to continue coverage with the same insurance provider or talk to their insurance agent about alternatives. Many individuals choose to stay with the same provider if the plan continues to be competitively priced and meet their insurance needs.

Here are some points to consider when purchasing Visitors to Canada Emergency Medical Insurance for a second term:

  • Policy Changes

Policies change. Find out if the policy you previously purchased has been updated and note any changes which may affect your eligibility for coverage. For example, the changes may include new or updated benefits and features or may include changes to definitions, eligibility requirements, exclusions, limitations, restrictions, terms and conditions.

Your insurance agent can tell you if there have been changes to a policy and help you understand if and how these changes apply to you.

  • Changes in Health

If you have had any claims or changes to your health, let your insurance agent know. A claim or change in your health may affect your eligibility to purchase the same policy again. You may no longer be eligible to purchase the policy or new exclusions may apply to you such as coverage relating to a pre-existing condition for which you were previously covered.  You may need to purchase a different policy from the same provider or look for coverage from another insurance provider.

Note: a letter from your doctor approving you to travel does not mean you will be eligible for coverage under an insurance policy.

  • Age

Your age can also play a role in not only the type of coverage you are eligible for but the rates you will pay. Again, speak with your insurance agent to find out if or how your current age changes your eligibility for coverage or the premium you will pay.

Our Visitors to Canada Emergency Medical Insurance Plans are competitively priced with benefits available for some pre-existing conditions**. For more information visit our website or call 1-855-566-8555 to find a licensed agent in your area.

*For more information about the super visa visit: http://www.cic.gc.ca/english/visit/supervisa-who.asp

**Please see policy wording for benefits, definitions, exclusions, limitations, terms and conditions.

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