Insurance Coverage for Super Visa Holders – Confessions of an Insurance Advisor
I’d like to share some of the things I’ve learned in helping my clients’ family members meet the government insurance requirements for the super visa program. The program is relatively new to Canada and there is much to learn. I hope you’ll find the following information helpful or a good refresher.
- Insurance Coverage Amount and Length of Coverage
Emergency medical insurance is one of the many requirements an applicant must fulfill in order to qualify for a super visa. The emergency medical insurance must:
- be purchased from a Canadian insurance provider
- be valid for a minimum period of one year from the date of entry to Canada
- provide a minimum of $100,000 in coverage
- cover the applicant for health care, hospitalization and repatriation
For information on the super visa application requirements visit: http://www.cic.gc.ca/english/visit/supervisa.asp
- Canadian Government Health Insurance Coverage vs. Visitors to Canada Emergency Medical Insurance Coverage
Visitors to Canada emergency medical insurance coverage (sometimes called super visa insurance) should not be confused with the health care coverage offered from the Canadian provincial, territorial or federal governments.
Visitors to Canada coverage offers financial protection from sudden and unforeseen medical emergencies, which occur during the policyholder’s period of coverage. This coverage will typically not cover routine physicals, dental visits, or massages.
Understanding why your client is requesting this type of coverage will help you find the right product for your client.
- ‘Super Visa Insurance’ Eligibility Requirements
There are several visitors to Canada plans which meet super visa requirements when purchased according to the requirements outlined in point 1 above.
Many of these products do not require a medical questionnaire to be completed, however each plan has its own set of eligibility requirements which determine if your client is eligible for coverage.
The requirements vary by plan and are usually found in the eligibility section of the policy wording. Eligibility requirements typically relate to activities of daily living, critical conditions, current government health insurance status, current living conditions, etc.
Eligibility Requirements must be addressed with each client.
- Pre-Existing Conditions
Some visitors to Canada emergency medical insurance plans offer coverage for pre-existing medical conditions. In order to be eligible for coverage the insured must meet the terms and conditions outlined in the policy. Typically, a medical condition must be stable and controlled for a specified period of time prior to the start date of the policy.
Make sure your client understands the policy wording as it applies to their condition. 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 the client is unclear about their condition, refer them to their family physician.
- What Should Your Client Do in the Event of a Medical Emergency?
In the event of a medical emergency the client must call the Emergency Assistance Provider. The phone number is usually found in the policy or on the confirmation of coverage (COC).
Take notice of the timeline for notifying the Emergency Assistance Provider. Failure to call within the given time frame may result in financial penalties. This information is typically found in the policy as well.
- Side Trips Outside of Canada
Many visitors to Canada emergency medical policies offer coverage for side trips outside of Canada. Note when and for how long your client can travel outside of Canada as well as any travel destination restrictions. For example, some policies may end when the traveller returns to their home country or the policy may only cover travel destinations within North America.
- Date Changes
Date changes are common for super visa applicants as it is hard to predict when an applicant’s visa will be approved or denied. An arbitrary travel date (policy start date) is usually chosen and may need to be changed several times throughout the application process.
Some companies charge an administration fee for changes made after the start date of the policy. To avoid administration fees, check in with your clients to make sure applicable date changes are made prior to the start date of the policy.
- When does coverage begin?
The coverage start date varies by policy. Typically, coverage begins on either the client’s departure date, purchase date or effective date.
If the insured’s start date is their departure date, some policies may offer the insured coverage enroute to Canada while other policies only offer coverage once the insured arrives in Canada.
If the policy start date is after the departure date, benefits under the policy may only be available after a waiting period which also varies by policy.
Be sure to read the policy for details.
- Payment and Refunds
Visitors to Canada emergency medical plans are typically paid for up front for the entire duration of the policy. Deductible options are commonly available to help reduce the overall cost of the premium. Take notice if deductibles are paid per claim or per policy.
If the insured returns home early most companies will refund unused days less an administration fee. Some companies will refund the remaining premium regardless of how many days are left in the policy while other companies may limit the refund by the number of days remaining. For example, if there are only 15 days left in the policy one company may refund those days while another may not because there are less than 30 days left in the policy.
- A Plan to Meet Most People’s Needs
Visitors to Canada plans offer your clients choice!
- plans available to suit most visitors to Canada’s needs
- policies use plain language wording
- many plans meet the emergency medical insurance requirements of the super visa
If you would like to learn more about Travelance’s Visitors to Canada Emergency Medical Insurance Plans or would like to find out how you can partner with Travelance, please call 1-855-566-8555 or email email@example.com.
If you are already partnered with Travelance and you would like to learn about the specifics of our Visitors to Canada Emergency Medical Insurance Plans, register for one of our live weekly online training sessions, today!