On 1 December 2011, the Government of Canada introduced a 2015-01-24 21_11_03-Smiling-Older-Couple – Photo Gallery-1special multiple-entry visa called the “Super Visa “. This visa is valid for 10 years and allows applicants to remain in Canada continuously for up to 2 years. However, one of the main conditions for obtaining a Super Visa is the purchase of medical insurance which covers up to $100,000 and protects 1 year. This insurance plan must be purchased before applying for the Super Visa. If the visa application is refused, the insurance plan can be cancelled at no cost (apart from the $25.00 application fee). If your time in Canada is cut short, the policy will reimburse you for the time not spent in the country. Health insurance Offers SUPER VISA There is also a special type of visa issued for parents and elderly relatives, that can last up to 10 years. It allows for continuous stay in Canada for up to 2 years, much like the Super Visa. This allows parents and grandparents to travel in and out of the country and stay for a long period of time (2 years maximum) without any hassle. For this time, no one is covered by Canadian health insurance so purchasing a good policy is highly recommended! Depending on the age of your parent or grandparent and their medical history, the cost of insurance (with a Super Visa) can be anywhere between $1500 to $4000 per year per person. Insurance plans should always cover you (or your family members) from the moment they depart their home country (or whatever date is specified on the application) until their intended departure date.
While an application process for a Super Visa can be somewhat difficult and, at times, unpredictable, it is important to know that a policy should be bought well in advance (as mentioned above). Without one, the visa application may be denied. A full refund of an inactive policy will be given to the applicant, should their visa be denied. If one of your family members decides to leave 45 days (just over 1 month) before the end of their policy, your insurance company should reimburse the remaining money minus the original $25 administration fee. The only time your insurance company is not obliged to refund money for an unused period of time is if the policy user actually needs to use the coverage for medical reasons. This more or less means that an inactive policy can be refunded but an active one cannot. Once the policy user has departed Canada, they will receive the refunded money. A copy of your airline ticket, boarding pass or photocopy of a stamped passport must be submitted to the insurance company in order to get refunded or cancel the policy. Policy users over the age of 60, with chronic diseases, are always fully covered provided there are no immediate changes in health or medical condition, prior to the date, the policy goes into effect (the date of arrival, in most cases). You can purchase insurance, for your Super Visa, online with a credit card and via email, you will receive confirmation of your policy. Please print this and include it with the rest of your documents, as part of the visa application. Travel to and from Cuba can sometimes create difficulties with insurance policies. Therefore, it is good to know that your policy should always cover this period, as long as the policy user remains within Canada for the designated period of time.