Since family reunion is always a priority for Canada, thousands of grandparents and parents choose the Super Visa every year to visit their Canadian sponsors.  The Super Visa Program has a significantly higher acceptance rate than any other visa program, in addition to having a significantly higher rate of applications submitted. The main reason for this success is that the application process for this temporary, multiple-entry visa only takes a few weeks. And a requirement for this is the Super Visa Medical Insurance. No matter where in Canada you are, you will have a lot of options when it comes to purchasing a policy; however, you should always be cautious. Here are three helpful hints to keep in mind as you compare and choose from the many Super Visa medical insurance plans available.

Before we get into the actual advice, we’d like to emphasize a few things that you absolutely cannot forget when purchasing Super Visa Insurance.

  • A policy with a $100,000 minimum is recommended.
  • One year is the bare minimum for a policy’s duration.
  • This can only be purchased from one of the authorized Canadian Super Visa insurance carriers.
  • To be eligible for a Super Visa, the provider must have issued the policy.
  • You can’t apply for a Super Visa without including this policy document.
  • The Super Visa application could be denied if there is a discrepancy in any of the three criteria listed above.

You can waste a lot of money and end up with a subpar plan if you approach purchasing Super Visa insurance without any serious thought. However, if you approach it methodically, not only will you be able to pick the best policy, but you will also save money and get the most for your investment.

1. Prepare yourselves for the deductible!

The deductible is the portion of a claim against the policy that you agree to pay out of pocket. There are always going to be two camps when it comes to the deductible—those who support a (high) deductible for Super Visa medical insurance, and those who don’t—but it’s still a way to save money on the premium. If you’re going to agree to pay a deductible in case you file a claim, the advice of seasoned agents is to keep it below $1,000. Why? It’s true that in the case of prearranged hospitalization and treatment, you can save up to cover the deductible, but in the event of an unexpected medical emergency, you may be forced to pay the full deductible right away, no matter how high it is.

With their years of experience serving as a perfect liaison between clients and Super Visa insurance providers, Parent Super Visa Company can offer the most sound advice possible regarding the deductible for your policy.

2. Know the monthly payment procedure:

The option to pay in monthly instalments is a great perk of the monthly plan. Purchasing insurance for both parents or grandparents at the same time can be costly. It can be difficult on the wallet to pay a hefty premium in such a situation.

One way to cut costs is through a monthly plan. The first two monthly premiums and policy issuance fees (maximum $50) are all that is required. The remaining premium can be divided into monthly payments. This is a win-win situation because you can save a little upfront and use it for other things while paying back the rest of the instalments with regular income, and the remaining payments can also be refunded if the insured leaves the country.

Plans from companies like 21st Century Insurance, Blue Cross, and others are currently available every month through Parent Super Visa as part of the Super Visa Medical Insurance program. Monthly payment options are a great way to spread out the policy’s cost and make it easier to manage. They not only make it possible for you to access these plans from providers but also connect you with licensed insurance professionals who can help you evaluate your budget and payment options and select the best plan for you.

3. Saving money with No pre-existing medical condition:

Super visa medical insurance that covers pre-existing conditions costs more than standard policies because of this. Therefore, the latter is not available for purchase unless the insured person has a preexisting condition meeting these criteria. Some policies automatically incorporate this sort of protection. Be wary of it and select a plan that doesn’t include it (and therefore doesn’t charge extra for it).

However, the coverage provisions for pre-existing conditions can be especially complex. The policy’s effective date may be important if, for example, there is a three-month lookback period and you want coverage to begin on day one. Super Visa Insurance providers also have highly complex definitions for things like whether or not a preexisting condition is stable and under control. If you don’t read the fine print, you might be rejected for coverage or have your application denied altogether because of a pre-existing condition.

The most effective strategy is to work with a knowledgeable insurance advisor who is familiar with both the ins and outs of Super Visa Insurance policies and the best and worst companies offering this coverage.

4. Make Sure You Read Well Before Buying:

You should always read all of the policy-related documents, even if you are purchasing a Super visa medical insurance plan from a provider that has been recommended to you by either other people or your advisor. Not only do you want to make sure you get the right policy, but you also want to make sure you get the right price. You will never know for sure if the coverage the policy provides is suitable for your needs unless you read the documents. It’s possible that you’re paying for something that you have no use for at all, but you’re still doing it.

So, are you prepared to save the day by using these fantastic tips for buying a super visa insurance policy?

Parent Super Visa has made the application process for Super Visa Medical Insurance very easy and direct. The parent who wants to buy super visa insurance in Canada does not have to go through a medical test, nor do they have to be present in Canada. All that is required of them is that they fill out the medical questionnaire that is required at the time of the application. Get your Canada Super Visa Medical Insurance quotes today or call us at 888-444-0076 for more information!