VISITORS TO CANADA
Super Visa insurance
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The Super Visa lets parents and grandparents of Canadian citizens and permanent residents come for long visits. The medical insurance is not something bought alongside that application. It is a condition of it, and the application is refused without proof that a policy exists and has been paid for.
What the federal instructions actually require
- A paid policy, not a quotationThe instructions require the policy to be paid in full, or in instalments with a deposit, and say plainly that quotes are not accepted. It also has to be available for review by a border services officer on request.
- One year from the date of entry, and one hundred thousand dollarsThe policy has to be valid for at least one year from the date of entry and provide a minimum emergency coverage of one hundred thousand dollars, covering health care, hospitalization and repatriation. It must come from a Canadian insurer, or from a company outside Canada approved by the minister.
- A condition already diagnosed turns on a stability periodIt may be covered, excluded, or covered only once it has stayed stable for a period written into the contract before the coverage starts. The contract defines what stable means, and that definition is not the same from one insurer to the next.
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No price appears on this page, and none is sent by email. What a contract costs depends on the person and the design, and no honest figure can be produced from three answers.
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About the author
Jose Salloum is a Financial Security Advisor (Conseiller en sécurité financière) licensed by the Autorité des marchés financiers in Quebec, by the Financial Services Regulatory Authority of Ontario, and by the Insurance Council of British Columbia. Licensed since 2001, he works with Canadian families, business owners and incorporated professionals.
He is the founder of Canadian Wealth Creation Centre Inc. (CWCC), registered with the AMF, and of its educational branch IBCFinancial.com. He holds the Infinite Banking Concepts® Authorized Practitioner certification from the Nelson Nash Institute, a private certification rather than a regulatory licence.
CWCC is not registered with CIRO and does not provide securities advice. This page is general education and not advice on any individual file.
Important disclosures
This page is education, not advice. The content is general information prepared by Canadian Wealth Creation Centre Inc. It does not take your circumstances into account and is not a recommendation to buy, hold or cancel any contract. CWCC is not registered with CIRO and does not provide securities advice. The firm places insurance in Quebec, Ontario, Alberta, British Columbia, Manitoba and New Brunswick; clients elsewhere are served by advisors licensed in their province.
Nothing here was written with your file in front of us. Read it to understand the subject, then judge it against your own situation, ideally with someone who is licensed where you live and who has seen your numbers.