ALL Parent and Grandparent Super Visa applicants are required to purchase a medical insurance coverage from a Canadian insurance company. After purchase, the Canadian insurance company will normally provide you with insurance documents. One of the insurance documents that you will receive is the letter of confirmation, you can use this letter as proof that you have purchased the required medical insurance.
The medical insurance must be valid for at least 365 days. The effective date is the date that you intend to arrive in Canada. The medical insurance is very expensive, especially if the applicants are in their 70s or 80s with a pre-existing medical condition. So shop around before you make a purchase.
Buying the right type of insurance
The Parent and Grandparent Super Visa program came into force on December 01, 2011. As the Super Visa program has been in existence for a while now, Canadian insurance companies are already familiar with what kind of medical insurance qualifies for the Super Visa program. You should still do your own checks by making sure the medical insurance contains the following minimum requirements:
- it covers the applicant for health care, hospitalization and repatriation and
- provides a minimum of $100,000 coverage and
- it is valid for each entry to Canada and available for review by the examining officer upon request
Acceptable proof of medical insurance coverage
The only way you can produce an acceptable proof of medical insurance coverage is by making a purchase. Anyone can purchase the insurance for the applicant, you can do this over the phone by speaking to an insurance agent. You will need to provide your credit card number over the phone to complete the purchase (do not provide your credit card information in emails). The transaction over the phone will take less than 10 minutes, it is very convenient.
After the purchase, the insurance agent will email you the insurance documents (it should arrive no longer than 15 minutes after you hung up the phone). As mentioned above, the insurance documents include the letter of confirmation which is what you will submit with the Super Visa application.
Below is a sample of an acceptable proof of medical insurance coverage
1. The effective date is the date that you intend to enter Canada.
2. The expiry date must be at least one year after the effective date.
3. The trip length must be for at least 365 days.
4. The Policy Status must be active.
5. The sum insured must be at least C$100,000.
6. The first and last name of the applicant must be present.
7. The date of birth of the applicant should appear.
In addition, your letter of confirmation must also include contact information for the visa officer to use when verifying your medical insurance coverage.
Is the Super Visa medical insurance refundable?
Canadian insurance companies should offer a full refund (minus a small administrative fee) in case of an application refusal.
You should also be able to alter the start date of the insurance policy. Most insurance companies will allow you to change the policy start date but you must ask for the change prior to the start date shown on your current insurance policy.
Even if you intend to stay in Canada for only 8 months, you still need to purchase a medical insurance that is valid for 365 days. So, ensure that your insurance company will provide you with a prorated refund for the unused days. For example, if you only stayed in Canada for 250 days, you should get a prorated refund for the unused 115 days.
To request for a refund due to application refusal, an insurance company may ask for the refusal letter that was issued to you by Immigration Refugees and Citizenship Canada (IRCC). If you are getting a refund for the unused part of your insurance coverage, keep your boarding pass as you will need this to prove that you have indeed returned to your home country.
Generally, it takes two to three weeks to process a refund and it is common to get charged an administration fee ranging between $25 and $50. Note that there will be no refund if you have made a claim on your insurance.
Ask your insurance company the right questions
Tell the insurance agent that you are purchasing insurance for the Super Visa program and ask the following questions:
- Will this medical insurance be accepted by IRCC for the Super Visa program?
- Is this valid for each entry to Canada and available for review by a port of entry officer?
- Will I be allowed to change the effective date and how soon should I let you know?
- Do you provide a refund for the unused portion of the insurance? And is there an administration fee?
- Do you provide a full refund in case the Super Visa application is refused? Is there an administration fee for issuing a refund?
- What are the requirements to get a refund?
- How long does it take for you to process a refund?