Health insurance for parent on Super Visa ?
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Author Topic: Health insurance for parent on Super Visa ?  (Read 8403 times)
sarimraza
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« on: June 04, 2012, 07:59:15 am »


Dear All

If my parent comes on Super visa, he can get travel insurance for couple of months but if he wants to stay for atleast a year and gets health insurance in Canada, appx how much will it cost ?

Thanks
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haver
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« Reply #1 on: June 05, 2012, 01:34:27 pm »

If your paremt is applying for the super visa, he is required to buy insurance for 1 year, with a coverage of $100, 000. They will not accept insurance for less than one year and will send your documents back to you.
You can email me the age of the person and I will let you know how much it costs. You can read about Super Visa requirements here: http://buyinsurance.livejournal.com/
My email address is arbetov.office @ gmail.com
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ashuabbi
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« Reply #2 on: June 05, 2012, 02:23:05 pm »

hi......it will cost you approx.CAD$ 2,000 for one person and CAD$ 3,500 2 persons...only if they don't have any physical ailmentlike...Hypertension,Daibetesetc.,,,,,,,,,,,,,,,,,,,,,,,,,,
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Haitokin
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« Reply #3 on: June 20, 2012, 03:39:34 pm »

If your parent or grandparent is applying for the super visa, as mentioned above (and on the government websites), they are required to buy a 365 day policy. Documents showing proof of purchase are required as part of the super visa application. However, if the parent is only intending to travel to Canada for a few months, then they will be able to apply for a partial refund for the amount of time remaining on their policy (as long as no claim's have been made or will be made under the policy). So for example, someone returning home after 165 days will get a refund for 200 days.

It is important to read over the refund policy prior to purchasing your insurance, as some policies will not issue refunds for less than 30 days, others may be 45 days, some policies have admin fees for issuing refunds, and other policies don't allow for refunds when leaving earlier than one year (no refunds at all).

In terms of researching policy details (refunds, eligibility, coverage for pre-existing medical conditions, etc.) the best place to start is to get a quote from a comparable quote website like the one at Best Quote Travel Insurance Agency, which provides instant (free) online quotes of all the top travel insurance companies: http://www.bestquotetravelinsurance.ca/parent-and-grandparent-super-visa-health-insurance

While their main page provides links to government websites, and answers some frequently asked questions, they also have separate pages discussing coverage for pre-existing medical conditions: http://www.bestquotetravelinsurance.ca/visitors-to-canada-insurance-compare-pre-existing-medical-conditions-stable-period and insurance costs: http://www.bestquotetravelinsurance.ca/super-visa-insurance-bestquote-rates


While some insurance brokers will carry a wide selection of policies (like Mr. Arbetov, above), by industry regulation, all brokers must advertise the same policy at the same price, so the way to ensure that you are getting a fair deal is to use a comparable quote website that has the widest selection of policies, and allows you to compare them side by side. When you get a quote from BestQuote, most of the policy details are not shown until you ask for a quote. Once you do, you can easily click on the policy 'summary' to view relevant policy features and benefits. Once you've done enough research to have a few questions, you can easily call them for assistance.

If you are only interested in coverage for a few months and won't be applying for a super visa, you can still get a quote for a visitors to Canada policy through BestQuote and view a list of frequently asked questions here: http://www.bestquotetravelinsurance.ca/visitors-to-canada-insurance

Or, simply email: admin @ bestquotetravelinsurance.ca with questions



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Haitokin
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« Reply #4 on: June 20, 2012, 04:36:04 pm »

You might also find this article interesting, about how the costs of super visa insurance policies has actually been coming down over the last 6 months (full article: http://www.bestquotetravelinsurance.ca/canada-super-visa-insurance ):

Canada's Insurance Industry Responds to Demand for Super Visa Insurance

Super visa insurance prices have been getting lower...
OK, let's be honest. When the Canadian government announced the new multi-entry super visa on November 4, 2011, Canada's insurance industry didn't know it was coming. On December 1, 2011, when the government revealed the requirements for applying for a super visa, including not only which insurance is required but that super visa applicants would need to purchase the insurance and submit proof of purchase with the application, all the Canadian travel insurance companies were caught off guard.

At the time, most of the companies that are now found on BestQuote Travel Insurance Agency's online quote engine didn't offer policies for longer than 365 days. Or, if they did, the coverage was limited to people 54 years of age and less. Hardly suitable for the 'parent and grandparent super visa'! One by one, Canada's travel insurance companies have been entering the super visa insurance market, or improving the terms that they are offering travel health insurance to visitor's to Canada. We know. Every month since last December, we've been making changes to our database each time a new change get's announced - we now offer more policy choices than any other online quote service in Canada!

Some insurance companies have entered the competition for new clients by simply allowing the policy they offered (that was restricted to 180 days or so) to be available for 365 days (December 19th and 26th). Others have increased the different deductible options available, helping to be more competitively priced (April 25th and June 4th). Some companies have completely revised the prices they make available to each customer age bracket, in order to grab a bigger share of the newly created market (December 11th and January 10th). One company recently changed its entire policy, and made it available to anyone no matter how old (May 4th). Another company is now planning on increasing the age until which it offers insurance, competing for the older super visa applicants (perhaps in the next few months). This increased competition has greatly helped lower the prices that are available.

Online super visa insurance brokers have increased...
There's even a few new quote services available online, although industry regulation requires that all brokers providing such a service advertise the same prices that other brokers or even the insurance company websites themselves advertise. The regulators have purposely eliminated brokers competing against each other based on price - otherwise customers would all end up paying different prices and always feeling like the agent they dealt with didn't give them enough of a deal - lowering the public regard for the insurance industry.

So, since we are unable to rebate commissions, we rely on providing a better service - both online and offline - to earn customer's business. For us, part of that service is to provide better online comparisons than other similar services. And, a better comparison means giving our customers more policies to compare! Get a quote with the (green) quote request form (top left on this page) to see for yourself what we have to offer: all of Canada's top travel insurance companies all on one easily viewable screen. We've made it easy to research your options (enter: visitor's to Canada, emergency medical, single trip, dates for 365 days, Canada travel, D/O/B(s), email address; then press Get Quote)!

Forecasting future industry trends and reviewing purchase issues
By the end of this year, most of the market positioning by the Canadian insurance companies will be complete. We do expect that they'll be a few more changes that help increase the competition before next year. That will help keep the prices where they are now, or even lower perhaps for some age brackets. Usually, because of the claims that the insurance companies experience, and the increasing costs of medical services in Canada - the insurance companies will introduce new (usually higher) rates each year or every second year.

So once the initial market positioning has helped to lower insurance rates, we'll start to see rates increase somewhat overtime. At the same time though, in another couple years, we'll probably see the Canadian insurance companies start to create policies that are more in line with what super visa holders will need: policies designed for long term visitors that are staying with their family here is Canada. That means that refund, extension or financing (monthly premiums for annually renewable policies) options may change; coverage details will address annual check-ups and eye exams, etc.; medical questionnaires (or special diabetes, or arthritis riders) may become optional for those looking to have more extensive coverage. (Currently only two companies offer medical questionnaires for increased coverage of pre-existing medical conditions).

It's important for consumers to realize that the different insurance companies use different price bands for different age brackets, so the older you are the more you tend to pay - but just because the average age bracket is five years doesn't mean the best price you can find will only change every five years. Next year, a person on the edge of one age bracket (ie.70-74) might experience a much higher price the following year (75-79), so it can pay to keep an eye on birthdays!

It's also important to realize that from one year to the next, simply renewing or extending coverage with the same insurance company that you used last year might not be the best option. Why? Prices change. The company that was competitve last year may have changed it's rates, or might be using an age bracket that has suddenly made your 'renewed' policy a lot more expensive than what anoth insurance company is offering. Perhaps new options are available that were not available last year. Some people who jumped at the chance to sponsor their parents in December and January will certainly find that the available prices are lower in early 2013 than they paid the first time they had to look for and purchase their super visa insurance.

It always pays to look around, and compare your options. That's the premise of BestQuote's online service. Call 1-888-888-0510
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Gary Goldshmidt
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« Reply #5 on: October 10, 2013, 02:46:46 pm »

You can also visit for more information.

http://www.stone-hedgefinancialgroup.ca/super-visa-insurance

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Stone-Hedge Financial Group Inc.
Gary Goldshmidt
Managing Director
Toll Free 1.888.410.4393
Toronto Local Tel: 416.410.4393
Email:gary @ stone-hedgefinancialgroup.ca
Gary Goldshmidt
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« Reply #6 on: April 01, 2014, 02:45:59 am »

Starting on February 6, 2014 (00:01 EST), all visa applicants will automatically be considered for a multiple entry visa. The visa officer reviewing your application may be able to give you this type of visa even if you applied for a single entry visa.

A multiple entry visa allows visitors to come and go from Canada for six months at a time, without having to reapply each time. It can be valid for up to 10 years, or one month before your passport expires, whichever is earlier. You must arrive in Canada on or before the expiry date on your visa.

A single entry visa allows you to come to Canada only one time. Once you have left Canada, excluding travel to the United States and St. Pierre and Miquelon, you will need a new visa to travel back to and enter Canada.

If your visa is still valid and you are travelling only and directly to the United States (including its Territories and Possessions) or St. Pierre and Miquelon, you do not need a new visitor visa to return to Canada. If your visa expires before returning to Canada from one of these areas, and you are not in possession of a valid visitor record, work permit, study permit, or temporary resident permit (authorizing re-entry), you will need to get a new visitor visa.

Source: Citizenship and Immigration Canada

Super Visa not required for short term visits of six month of less.

Once again our compassionate Canadian government has made it affordable and easier to visit family and friends. You no longer need to spend thousands of dollars for insurance you never intended to use to have your parents and/or grandparent visit you in Canada. You can now apply for a visitor visa a still be eligible for a 10 year multiple entry visa. If you have a claim you will no longer lose thousands of dollars in premium.

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Stone-Hedge Financial Group Inc.
Gary Goldshmidt
Managing Director
Toll Free 1.888.410.4393
Toronto Local Tel: 416.410.4393
Email:gary @ stone-hedgefinancialgroup.ca
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