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Medical - for Super Visa

goldenbrown

Hero Member
Jan 11, 2011
223
46
Vancouver
We created very new approach how to choose the best possible policy using our Super Visa Medical Insurance Calculator
http://supervisabestinsurance.com/super-visa-insurance/
 

Haitokin

Star Member
Aug 28, 2011
67
4
Well, actually, the lowest price would be $1733.75 for a $0 deductible policy. Haver got the other price right, at $1317.65 for a policy with a $1000 deductible. But the devil is in the details. The $1733.75 $0 deductible price is for a policy with no coverage for pre-existing medical conditions, but that company is difficult to deal with when it comes to refunds, and they may charge a $100 fee for cancellations.

The $1770 $0 deductible policy that Haver mentioned as being the lowest has slightly different coverage, but they also may charge a $250 fee for unplanned cancellations. Both these company's, like all the others, will return 100% of the premium if the policy is cancelled because the super visa is not issued.

The $1317.65 $1000 deductible policy will cover stable pre-existing medical conditions. But there may be better choices in terms of coverage details - the stability period for example, or some of the secondary benefits may be better in a different policy. If a person is staying for the entire 1year of the policy (and planning on renewing), the chances of having a claim are statistically higher, so using a larger deductible may not be as advisable as it would be for someone planning on staying only a few months.

I'd encourage you to get a quote from a comparable resource like BestQuote Travel Insurance Agency (it's free, instant, and you don't need to engage with a saleperson with questions until you are ready). BestQuote has all the visitor to Canada policies, so you'll always find the better (or cheaper) policies on your quote, and they make it easy to review the details of each policy:

https://www.bestquotetravelinsurance.ca/visitors-to-canada-insurance

They'll also answer any of your questions, and help guide you in the right direction.