Monthly Payment Plan

Paying for super visa medical insurance cost is convenient and affordable. It is available for coverage of $100,000, $150,000, or $200,000 and can be purchased for a one- or two-year period. Click here to get your monthly payment quote! You can purchase a monthly payment medical insurance policy for two years if you plan to stay in Canada for two years. Your rates will remain the same for two years, regardless of whether the company raises its travel rates or if insurance rates increase due to your age. You only pay for the time you spend in Canada. Upon proof of return to the country of origin, payments cease and extra total monthly payments paid are refunded, regardless of claims. Call 289-339-1185 for a free consultation.

Deductibles

Deductibles are the expenses you are obliged to pay out of pocket when you make a claim.

There are six options for deductibles to choose when applying for medical insurance: 0 dollars, $75 dollars, $100 dollars, $250 dollars, $500 dollars, $1,000 dollars, $3,000 dollars, $5,000 dollars, $10,000 dollars. The cost of your super visa health insurance depends on the amount of deductible you choose. If the deductible amount is higher, you’ll pay a lower insurance premium: the discount ranges from 5% to 45%, based on the plan and the deductible amount.

Coverage for Pre-existing Medical Conditions

The Super Visa health insurance covers unexpected, unforeseen sickness or injury requiring immediate medical attention for visitors to Canada. There could be an unexpected complication of a stable pre-existing chronic condition (if the policy covers pre-existing medical conditions)

Injuries, illnesses, or diseases that exist before and on the date insurance is effective are considered pre-existing medical conditions, such as High blood pressure (or hypertension), heart problems, lung problems, diabetes, etc. For example, if the applicant is taking medications for high blood pressure at the time of application, they have a pre-existing condition.

Most Super Visa visitor’s medical insurance plans pay for emergency medical expenses relating to pre-existing medical conditions, which have been STABLE for 90 -180 days (depending on the plan and your age) before the policy’s effective date.

STABLE means:

1. There are no new symptoms, existing symptoms have not worsened or become more frequent, and no test results indicate deterioration. The definitions of STABLE are slightly different with various plans.
2. the condition has not deteriorated according to a physician; and
3. No change has been recommended by a doctor (or another medical professional) in medication.
4. No change in treatment has been recommended or prescribed by a physician; and
5. You have not been hospitalized, or you are not waiting for the results of further investigation into that medical condition.

The Super Visa Visitors to Canada insurance covers emergency medical expenses to eliminate this emergency. However, this policy does not cover ongoing medical care. During the period of coverage, if you have a pre-existing medical condition that meets the stability requirements stated in the policy, you may experience new, unexpected symptoms relating to this condition.

Regular check-ups, medications, and procedures are not covered to maintain a pre-existing medical condition.

Changing Your Travel Dates

You need to include a tentative effective date in your super visa insurance monthly payment application. According to the confirmation of your policy, the effective date is the day on which your coverage starts. The date may be when you plan to arrive in Canada or when your super visa should be issued.

Before the effective date indicated on your policy confirmation, you can adjust your travel dates. Below are the typical scenarios

• If you get your visa and then decide to postpone your trip,
• Upon Superivsa approval, you may want to arrive in Canada earlier than indicated in your policy,
• You are waiting to hear from CIC before the policy’s effective date.

The insurer may charge you an administration fee if you request a change of travel dates after the policy effective date and you are not in Canada at that time. There may be no way for you to get a refund or change your policy after you’ve arrived in Canada after the policy’s effective date.

It is general information. We can provide consultation regarding the plans available on this website.