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Super Visa

OnlineInsPro

Star Member
Dec 12, 2011
69
1
Gary - sometimes I must admit, I really don't understand you. Whether a person visits Canada on a Super Visa or a regular visitor's visa, the NET cost of insurance is EXACTLY THE SAME. The premium is the same for every day of coverage no matter what program the visitor is here under. Please stop with the misleading statements. A Super Visa is an excellent program for anybody that intends to visit Canada multiple times within the next 10 years - period (ESPECIALLY if the trips are of short durations). You may wish to vet comments of that nature through an immigration attorney, instead of a customer service person at an insurance company next time. You may pride yourself on how many conversations you have with sales agents or customer service agents of Insurance Companies but if you worked closer with Immigration Representatives and Immigration Attorneys you may be better served. I have been selling insurance products for well over 20 years, and I have NEVER had the first-hand involvement with Claims Departments that you claim to (though I HAVE paid out hundreds of claims). What's up?

Tracy DesLaurier, CHS - Super Visa Specialist
DesLaurier Financial Services Inc.
http://travelinsure.ca
1-888-933-7462
info@dfsinc.ca
 

Gary Goldshmidt

Hero Member
Dec 4, 2011
374
6
Toronto, Canada
Job Offer........
Pre-Assessed..
The cost of insurance is the same as it is based on a daily rate, however with a regular visa you don't need to buy mandatory insurance. Therefore if someone is only coming to Canada for a couple of month and do not want to pay a high premium for one year coverage as per requirement of the super visa, they may be better served with a regular visa which would allow them to stay in Canada for up to six month. I am not a lawyer that specializes in Immigration my background is compliance for securities dealers and mutual fund dealers, I have worked as a broker on bay street that is how I started my career. What people that deal in immigration have been telling me is that it may be easier to apply for a super visa than a regular visa from some countries. In most cases there are medical impairments and that is why I prefer to underwrite at time of application, I had one case recently with an insurance company that told me to proceed, I insisted on them getting back to me in writing and reviewing the medicals. I had a call from their management and legal department advising me that they are not prepared to insure. In one case I just had a reply for today the rating was 200%, unfortunately people still buy with travel agents, online and even insurance brokers without realizing of how it actually works. The information I provided was published from a law firm that advises clients and does litigation when claims are denied, there is a reason why CBC and other news media gets involved is has had so much negative publicity. Yes the insurance companies do have a good track record even though the actual figures are not disclosed 95% of all claims are paid but what about the other 5% and remember there are not audited figures that are actually published. I do not feel this information is misleading, the super visa was not meant to facilitate short term visits but to clear up the backlog of over 165,000 applications for landed immigrant status which is now frozen for two years. This Super Visa is a very compassionate program from our Government, families can now be reunited in eight weeks as opposed to eight years. It was not meant to replace a visitor’s visa which does not have the same requirement for insurance and with a large up from cost. The ethnic communities have also been critical of the mandatory cost of insurance they have to pay up from, I can send you some articles from the Toronto Star on this topic. However their criticism is really unwarranted, they are not forced to buy thousands of dollars worth of insurance for short term visits, they can still apply for a regular visitors visa and buy coverage for the duration of their visit which is a lot cheaper, as you pointed out it is based on a daily rate. The majority of my business for the Super Visa does come from Law Firms and Immigration Consultants.

Here is commentary from someone in the business 25 years who I am sure may have more experience than you dealing with travel insurance.

Travel Insurance – why travel medical insurance policies have 10,000+ words?
http://markanevich.wordpress.com/2010/04/16/why-your-travel-health-insurance-policy-has-10000-words/
 

ipskang

Star Member
Feb 18, 2010
144
3
Category........
Visa Office......
New Delhi
Job Offer........
Pre-Assessed..
App. Filed.......
29-03-2010
File Transfer...
24-06-2010
Passport Req..
23-06-2010
VISA ISSUED...
06-09-2010
LANDED..........
09-09-2010
Thats true Blue cross has better claims so Its better to spend 500$ per year more rather than waiting for companies who kept you waiting for claims.



Gary Goldshmidt said:
Blue Cross has a better track record of paying claims, but their main business is not travel insurance so their prices are not as competitive. As far as claims it depends on the wording on the contract some companies I believe Manulife and Travel Guard and there are probably others will not refunds not only if a claim has been filled and even if they refuse to pay the claim. Please read their refund policy carefully including the fine print. The companies I prefer to quote do not have this, but all companies will not refund any partial premium once a claim has been paid, that is what insurance is for.

Once a medical emergency has occured you must report it to the insurance company and usually get approval for any medical expenses, anotherwords this is not a credit card from an insurance company that one can use up to the insured limit.

If you have any questions please contact me directly.

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

Haitokin

Star Member
Aug 28, 2011
67
4
Gary, you seem to be assuming that no other travel insurance broker offers their clients the chance to apply to TIC for direct medical underwriting? I do. I use the same TIC procedure that you do. My clients do actually speak to me when they have questions about coverage. It's called a phone.
I believe, based on how much you insist upon it, that you probably get a much higher percentage of your clients to apply for TIC by answering their detailed medical questionnaire than I do. Most clients with less complex pre-existing medical conditions don't need to volunteer to pay higher costs - which is what happens when you get the coverage from TIC after answering their medical questionnaire.

Most clients with more complex medical issues will simply get refused the coverage - as you mentioned. But of the 3-4 that get approved with TIC, how many of your clients had the english skills to answer everything to a standard that allows them to claim full disclosure? Because, TIC is not bound by anything after that questionnaire is answered. If an error (misunderstanding) or ommission has been made by the client then coverage will be void. TIC still investigates at the time of claim. So, I sure hope you're not promising your clients that their coverage is now as good as gold based on what could be limited disclosure. Misunderstanding does happen whether a questionnaire is used or not. Just look at the various claims related stories from CBC on Canadians travelling abroad after answering a medical questionniare.

You seem to be trying to carve out an academic position on the merits of direct underwriting - and I admit it has merit. It's great for clients that have complex medical situations and need some clarity. Most of my clients aren't like that. But (I love a good argument), direct underwriting has its perils too - and to really provide full disclosure you should make your own clients aware of them. Children answering on behalf of a parent is probably the biggest risk, next to the english skills of the parent and/or doctor of the parent.

Here's a portion of the TIC detailed medical questionnaire just to provide but one example:

Check yes if you've ever had symptoms, investigations or treatment for any of the conditions in the group, then check the box beside the specific condition that applies to you. If more than one condition applies, check the box for every condition.
Heart and cardiovascular (please check all that apply):
arrhythmia, fibrillation, palpitations or any irregular heart rate, heart murmur, chest pain or angina, arteriosclerosis, coronary artery disease, congestive heart failure, by-pass surgery, use pacemaker or defibrillator, valve replacement, or abnormality heart attack, myocardial infarction, congenital heart defect, prescribed and /or used any form of nitroglycerin, angioplasty or stent....
Stroke, cerebrovascular and neurological (please check all that apply):
cerebrovascular accident (CVA), stroke transient ischemic attack (TIA) or mini-stroke, ongoing therapy, paralysis, use of cane, walker, wheelchair or other mobility device, hydrocephalus, parkinson's disease, seizures, migraine, epilepsy, aneurysm, Alzheimer's disease or dementia, mental or nervous disorder, or anxiety neurological disorder....
Lung and respiratory (please check all that apply):
chronic obstructive pulmonary, disease (COPD), asthma, chronic bronchitis, bronchial asthma, pulmonary embolism, sarcoidosis of lung, SLEEP APNEA, emphysema, asbestosis, tuberculosis, pulmonary fibrosis, use of home oxygen use of prednisone use of cortisone...

Now, I highlighted one condition. SLEEP APNEA. Any parent that has exhibited symptoms even if it hasn't been diagnosed had better check YES according to the instructions - what happens when they don't? Or if there's a misunderstanding about another term? Or if the person answers the questionnaire without the help of their doctor, and the doctor has glossed over a condition and told the client not to worry about it? There are medical records in foriegn countries. At claim time, if it seems obvious to TIC that someone didn't fully disclose their medical history based on what TIC has seen on the medical charts, there will be an issue with the claim. Do 100% of your clients answer the questionnaire themselves and with the help of their doctor? Out of those 3-4 that get accepted, is all their coverage as good as gold? Please don't promise them that it is. They may think they've told the truth on the questionnaire, and overlooked something. Then, at claim time, they find out the coverage you said was as good as gold, isn't. Do they sue you then Gary?

Here's the declaration at the end of the questionnaire:

You acknowledge that:
• If you misrepresent your medical status in this questionnaire, or if you don't disclose material information about your medical status, or if any of your answers are found to be incorrect or untrue, your coverage will be null and void, your claims won't be paid and your premium will be refunded, even if the material non-disclosure or inaccuracy is not related to the claim reported, and you will be solely responsible for all expenses related to your claim.

"ANY of your answers found to be incorrect or untrue...NULL and VOID"

So, that means that TIC investigates the validity of the policy at claim time. That means they aren't saying the coverage is as good as gold. You shouldn't imply that it is on this website Gary, or to any of your clients.

I do try to engage my clients as much as I can. Having access to information ahead of the time of purchase is a good thing. I do try to advocate full understanding with my clients. That's why I started the BestQuote website project. And if you think I'm only concerned with presenting prices, take a look at this page on Visitors pre-existing medical conditions: http://www.bestquotetravelinsurance.ca/visitors-to-canada-insurance-compare-pre-existing-medical-conditions-stable-period I'm not trying to hide anything. Quite the opposite.

To anyone who actually reads all this stuff...thanks for listening. I do hope some of my points above are informative!
 
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Haitokin

Star Member
Aug 28, 2011
67
4
Here's Gary's comments:

I recently spoke to one company and if there is abuse I would not be surprised if Insurance Companies start charging for underwriting at time of application or you can take your chances and find out if you actually have any insurance at time of claim. If the claim is denied than the person who invited their parents or grandparents is personally liable for any medical expenses.

Now, I know Gary's english is somewhat wanting, but when he uses language like this (and most of his posts talking about the merits of TIC detailed medical questionnaire use language like this), it seems to imply that if you simply answer GARY's (TIC's) questionnaire and 'underwrite at time of application', you'll be covered 100% at the time of claim. And that's not true, see comments above.

Don't let Gary try to tell you otherwise. Ask Tracy. Ask any other travel insurance broker. If anyone is guilty of bending the truth to make himself look useful, it would be the self professed mutual fund compliance guy.
 

Gary Goldshmidt

Hero Member
Dec 4, 2011
374
6
Toronto, Canada
Job Offer........
Pre-Assessed..
I am not being judged on spelling, I am just very busy and even when doing spell check don't always have time to proof read everthing. I have a lot of compex cases and do not run my business on an online quotation system. No policy coveres everything 100% of the time, however when a policy is underwrited by companies like TIC travel insurance they do reply in writing and indicate if they are able to cover the pre-existing condition that is disclosed on the detailed medical application. So yes this is a legal contract which specifically states what the insurance company is going to insure and how much it will cost, I know you don't like to hear this but I am sure you are aware of this procedure yourself. I will now cease to respond to any of your posts untill they resemble content with some degree of inteligence. If you don't like my posts don't read them, I personally have had a multitude of calls from consumers thanking me.


Here is a commentary from a lawyers web site that deals in litigation, please note this is not legal advise just information.

http://www.pushormitchell.com/law-library/article/are-you-covered-%E2%80%93-facts-about-travel-medical-insurance
 

Gary Goldshmidt

Hero Member
Dec 4, 2011
374
6
Toronto, Canada
Job Offer........
Pre-Assessed..
Haitokin said:
Gary, you seem to be assuming that no other travel insurance broker offers their clients the chance to apply to TIC for direct medical underwriting? I do. I use the same TIC procedure that you do. My clients do actually speak to me when they have questions about coverage. It's called a phone.
I believe, based on how much you insist upon it, that you probably get a much higher percentage of your clients to apply for TIC by answering their detailed medical questionnaire than I do. Most clients with less complex pre-existing medical conditions don't need to volunteer to pay higher costs - which is what happens when you get the coverage from TIC after answering their medical questionnaire.

Most clients with more complex medical issues will simply get refused the coverage - as you mentioned. But of the 3-4 that get approved with TIC, how many of your clients had the english skills to answer everything to a standard that allows them to claim full disclosure? Because, TIC is not bound by anything after that questionnaire is answered. If an error (misunderstanding) or ommission has been made by the client then coverage will be void. TIC still investigates at the time of claim. So, I sure hope you're not promising your clients that their coverage is now as good as gold based on what could be limited disclosure. Misunderstanding does happen whether a questionnaire is used or not. Just look at the various claims related stories from CBC on Canadians travelling abroad after answering a medical questionniare.

You seem to be trying to carve out an academic position on the merits of direct underwriting - and I admit it has merit. It's great for clients that have complex medical situations and need some clarity. Most of my clients aren't like that. But (I love a good argument), direct underwriting has its perils too - and to really provide full disclosure you should make your own clients aware of them. Children answering on behalf of a parent is probably the biggest risk, next to the english skills of the parent and/or doctor of the parent.

Here's a portion of the TIC detailed medical questionnaire just to provide but one example:

Check yes if you've ever had symptoms, investigations or treatment for any of the conditions in the group, then check the box beside the specific condition that applies to you. If more than one condition applies, check the box for every condition.
Heart and cardiovascular (please check all that apply):
arrhythmia, fibrillation, palpitations or any irregular heart rate, heart murmur, chest pain or angina, arteriosclerosis, coronary artery disease, congestive heart failure, by-pass surgery, use pacemaker or defibrillator, valve replacement, or abnormality heart attack, myocardial infarction, congenital heart defect, prescribed and /or used any form of nitroglycerin, angioplasty or stent....
Stroke, cerebrovascular and neurological (please check all that apply):
cerebrovascular accident (CVA), stroke transient ischemic attack (TIA) or mini-stroke, ongoing therapy, paralysis, use of cane, walker, wheelchair or other mobility device, hydrocephalus, parkinson's disease, seizures, migraine, epilepsy, aneurysm, Alzheimer's disease or dementia, mental or nervous disorder, or anxiety neurological disorder....
Lung and respiratory (please check all that apply):
chronic obstructive pulmonary, disease (COPD), asthma, chronic bronchitis, bronchial asthma, pulmonary embolism, sarcoidosis of lung, SLEEP APNEA, emphysema, asbestosis, tuberculosis, pulmonary fibrosis, use of home oxygen use of prednisone use of cortisone...

Now, I highlighted one condition. SLEEP APNEA. Any parent that has exhibited symptoms even if it hasn't been diagnosed had better check YES according to the instructions - what happens when they don't? Or if there's a misunderstanding about another term? Or if the person answers the questionnaire without the help of their doctor, and the doctor has glossed over a condition and told the client not to worry about it? There are medical records in foriegn countries. At claim time, if it seems obvious to TIC that someone didn't fully disclose their medical history based on what TIC has seen on the medical charts, there will be an issue with the claim. Do 100% of your clients answer the questionnaire themselves and with the help of their doctor? Out of those 3-4 that get accepted, is all their coverage as good as gold? Please don't promise them that it is. They may think they've told the truth on the questionnaire, and overlooked something. Then, at claim time, they find out the coverage you said was as good as gold, isn't. Do they sue you then Gary?

Here's the declaration at the end of the questionnaire:

You acknowledge that:
• If you misrepresent your medical status in this questionnaire, or if you don't disclose material information about your medical status, or if any of your answers are found to be incorrect or untrue, your coverage will be null and void, your claims won't be paid and your premium will be refunded, even if the material non-disclosure or inaccuracy is not related to the claim reported, and you will be solely responsible for all expenses related to your claim.

"ANY of your answers found to be incorrect or untrue...NULL and VOID"

So, that means that TIC investigates the validity of the policy at claim time. That means they aren't saying the coverage is as good as gold. You shouldn't imply that it is on this website Gary, or to any of your clients.

I do try to engage my clients as much as I can. Having access to information ahead of the time of purchase is a good thing. I do try to advocate full understanding with my clients. That's why I started the BestQuote website project. And if you think I'm only concerned with presenting prices, take a look at this page on Visitors pre-existing medical conditions: http://www.bestquotetravelinsurance.ca/visitors-to-canada-insurance-compare-pre-existing-medical-conditions-stable-period I'm not trying to hide anything. Quite the opposite.

To anyone who actually reads all this stuff...thanks for listening. I do hope some of my points above are informative!
That is why I advise my clients to get their parents or grandparents to fill out the information with their doctors in their country of origin. The children or grandchildren who are inviting their parents or grandparents assist them to translate the information if that what is required. Furthermore I also advise them to get their parents or grandparents applying for the super visa to bring with them all their medical records and get a letter from a doctor or a medical facility stating they are stable for an x amount of time if they have a pre-existing condition and to state they are not traveling against the advise of their doctor. It is not 100% or as good as gold but at least if a claim is denied then they have the evidence to support the information they provided on the application. Furthermore Insurance Companies are not their to deny claims and if there is a missunderstanding or clarification is required they can always submit their medical records to the insurance company with the application. If language is a barier there are plenty of translation services available that can translate information into english. This puts my clients in a far better position in the event they had their claim denied, not 100% or as good as gold as you claim but much better then not having followed my advise.
 

OnlineInsPro

Star Member
Dec 12, 2011
69
1
Gary - stop it with your so-called experts... got this from the profile of this person on his website - your "expert" referred to the other day:

"Currently Mark is seeking a new role in the travel insurance and specialty risk business in Canada."

That certainly sounds like the bio of someone I would rely on - NOT!

Tracy DesLaurier
 

OnlineInsPro

Star Member
Dec 12, 2011
69
1
My god Gary, do you even understand WHY people buy Insurance? The purpose is to bring risk to an acceptable level, not to eliminate it. You try to make yourself out to be the sole source of truth for your clients and to be "doing the best job for your clients". You seem to insist on medical underwriting for pretty much all of your clients even though it is not necessary but you insist on it "to provide clarification". I for one call bulls*%t on that. As an example, let's take a look at a situation like diabetes. Your approach would be to send that person for medical underwriting, and likely have a huge rating to offer your client so that condition is covered. Congratulations. What a hero. Again, Bull! You, the agent just made a whole lot more money, and yes, the client now has coverage for diabetes. Big friggin deal... do you know what the difference between your highly rated and highly compensated deal is and that of a "regular" policy which excludes pre-existing conditions in this instance? Really? Complications of Diabetes... Do you know what they are? Loss of vision, reduced blood flow to the extremities resulting in eventual amputation, maybe in an extreme case coma? Are these likely to occur in the short time a person is visiting Canada? I doubt it. The only concern MIGHT be in the event that somebody has so little control over their blood sugar that they slip into coma. How likely is that? Do you think that person would or should even be considering travel if that was the case? Do you think that if they were to travel it would be against the advice of their physician (which would void the policy anyway)?

My clients are not idiots Gary. I educate them wherever necessary, and do so with over 20 years experience of actual field underwriting not your legal/beagle/scare tactics not based in reality. If you want to rape your clients and ensure that they are covered for EVERY SINGLE EVENTUALITY, IN EVERY INSTANCE, IN EVERY CIRCUMSTANCE, you are not going to be very successful at this. The premiums required to do so would be untenable to just about anybody. These clients are bold enough to travel to another country for an extended period of time. They understand that everyday the get up out of bed there is risk of something happening to them. This is just life Gary. Life comes with risk. You need to help your clients the risk/reward balance in relation to their own situation and risk tolerance and not try to force them all to buy your highly rated, highly compensated policies at little if any practical advantage one what a standard policy would offer.

In case you wonder if I put my money where my mouth is, I want to ensure you I do. I have hypertension. I have elevated cholesterol. I even ride a motorcycle, play sports and walk across the street from time to time. Do I need insurance for everyone of these risks? Not at all. I take medication for by blood pressure and cholesterol and have for years. As a result, my symptoms are controlled BETTER than someone who does not. My Life Insurance premiums are standard. My Critical Illness premiums standard. My Disability premiums standard. And when I travel? I would gladly take a policy with an exclusion for these conditions as THEY ARE NOT GOING TO EVER RESULT IN A CLAIM. WHY would I ever want to pay increased premium and increased compensation to somebody like you for that privilege?

Tracy DesLaurier, CHS - Super Visa Insurance Specialist
http://travelinsure.ca
info@dfsinc.ca
1-888-933-7462
 

kan2008

Hero Member
Feb 26, 2008
320
7
Category........
Visa Office......
London
NOC Code......
4152
Job Offer........
Pre-Assessed..
App. Filed.......
March, 2011
AOR Received.
July 14, 2011
File Transfer...
August 14, 2011
Med's Request
March, 08, 2013, Received April 08, 2013
Med's Done....
March 26, 2013
Interview........
Feb 04, 2013
Passport Req..
PPR1: September 02, 2013, PPR2: October 30, 2013
VISA ISSUED...
12-November, 2013
Anybody knows how much fee needs to pay for super visa?
 

kan2008

Hero Member
Feb 26, 2008
320
7
Category........
Visa Office......
London
NOC Code......
4152
Job Offer........
Pre-Assessed..
App. Filed.......
March, 2011
AOR Received.
July 14, 2011
File Transfer...
August 14, 2011
Med's Request
March, 08, 2013, Received April 08, 2013
Med's Done....
March 26, 2013
Interview........
Feb 04, 2013
Passport Req..
PPR1: September 02, 2013, PPR2: October 30, 2013
VISA ISSUED...
12-November, 2013
creampuffs said:
for processing of single entry, we paid $75 per person and i think for multiple is $150 each
Thanks
 

Rossei

Champion Member
Jun 6, 2010
2,663
443
Canada
Category........
PNP
Visa Office......
Buffalo
NOC Code......
2133
Job Offer........
Yes
Pre-Assessed..
Yes
App. Filed.......
18-Jan-2011 (Buffalo)
Doc's Request.
N/A
Nomination.....
26-Nov-2010
AOR Received.
21-Jul-2011 (Email)
IELTS Request
N/A
File Transfer...
N/A
Med's Request
25-Jul-2011 (Reg. Mail)
Med's Done....
03-Aug-2011
Interview........
N/A
Passport Req..
08-Sep-2011 (Email)
VISA ISSUED...
20-Sep-2011 (Buffalo)
LANDED..........
20-Sep-2011 (Niagara)
creampuffs said:
for processing of single entry, we paid $75 per person and i think for multiple is $150 each
How can Super Visa be treated as single-entry? If it can be valid upto 10 years and you cannot stay more than 2 years at a time; how you can re-enter Canada without applying for visa again. :-\

I thought Super Visa is by default a multiple entry visa.
 

Lilac6

Full Member
Jun 2, 2010
29
0
Vancouver
Category........
Visa Office......
Buffalo
Job Offer........
Pre-Assessed..
App. Filed.......
23-02-2010
Doc's Request.
20-05-2010
AOR Received.
16-04-2010
File Transfer...
17-03-2010
Med's Done....
21-01-2010
Interview........
wavered
Passport Req..
16-06-2010
VISA ISSUED...
05-07-2010
LANDED..........
28-07-2010
Rossei said:
How can Super Visa be treated as single-entry? If it can be valid upto 10 years and you cannot stay more than 2 years at a time; how you can re-enter Canada without applying for visa again. :-\

I thought Super Visa is by default a multiple entry visa.
Good point, I wonder about this too. However CIC website shows single and multiple entry options, if my memory is correct :'(

In the meantime, am I right in understanding applicants from visa-exempt countries don't need to pay fees for super visa?? My mother is going to request for two year extension of her stay as part of super visa scheme (as she is already in Canada as visitor), and she is from a visa-exempt country. But she'd like to be allowed of multiple-entry during these two years. In what way can she manage this?
 

Rossei

Champion Member
Jun 6, 2010
2,663
443
Canada
Category........
PNP
Visa Office......
Buffalo
NOC Code......
2133
Job Offer........
Yes
Pre-Assessed..
Yes
App. Filed.......
18-Jan-2011 (Buffalo)
Doc's Request.
N/A
Nomination.....
26-Nov-2010
AOR Received.
21-Jul-2011 (Email)
IELTS Request
N/A
File Transfer...
N/A
Med's Request
25-Jul-2011 (Reg. Mail)
Med's Done....
03-Aug-2011
Interview........
N/A
Passport Req..
08-Sep-2011 (Email)
VISA ISSUED...
20-Sep-2011 (Buffalo)
LANDED..........
20-Sep-2011 (Niagara)
Lilac6 said:
Good point, I wonder about this too. However CIC website shows single and multiple entry options, if my memory is correct :'(

In the meantime, am I right in understanding applicants from visa-exempt countries don't need to pay fees for super visa?? My mother is going to request for two year extension of her stay as part of super visa scheme (as she is already in Canada as visitor), and she is from a visa-exempt country. But she'd like to be allowed of multiple-entry during these two years. In what way can she manage this?
OK, I got it. It's written in the Application Guide that Super Visa can be applied either in single-entry or multiple-entry form. This is ridiculous.

Re: your mother, I don't have any info other than what is written here http://www.cic.gc.ca/english/visit/supervisa-how.asp. I guess you've already seen it.