There cannot be anything better than Super Visa for family Reunification. As of December 1, 2011, the Canadian citizens and permanent residents have an option to invite their parents and grandparents to visit them on Super Visa. It is a multi-entry visa that provides multiple entries for a period up to 10 years. It allows parents and grandparents to remain in Canada for up to 24 months at a time without the need for renewal of their status. It provides them the opportunity to spend longer periods of time with their children.
Citizenship, Immigration and Multiculturalism Minister announced in July, 2013 that more than 20,000 Parent and Grandparent Super Visas had been issued since the program’s launch in December 2011. More than 1,000 Super Visas are issued every month. Super Visa applications had been approved with an overall approval rate of as high as 85 percent.
Besides other requirements, parents and grandparents are required to have comprehensive medical insurance from Canadian insurance company to cover the time they will be in Canada. The coverage amount should be $100,000 or more and should meet the requirement like health care, hospitalization, repatriation, etc. The coverage for “stable” pre-existing condition is available for most of the age groups. Pre-existing condition is defined as a medical condition, sickness or injury for which consultation, diagnosis and/or treatment has been sought from a physician or any other know condition for which consultation is not sought yet.
Policy is quickly created and confirmation is sent through email to the clients. You have to pay the premium upfront for 365 days. You are required to attach the insurance confirmation/documents with the Super Visa Application. There is total flexibility to change the effective date if the Visa Application is still in process. There is full refund of premium in case the Visa is denied. Copy of a refusal letter is required along with the request for the refund of the premium. Partial refund is available too if parents or grandparents return to their home country early, provided there is no claim on the policy. It is subject to the administration fee.
Various deductible options are available to lower the premium and to make it more affordable. You may save from 5% to 45% depending upon the amount of deductible and the insurance company. It is important to understand that deductible will be from each and every claim for most of the companies. It is advised to read and understand the policy/plan details of the insurance company regarding the list of benefits, eligibility, limitations, exclusions and other terms & conditions.
Insurance company must be informed as soon as possible of any emergency medical treatment or hospitalization. They are available 24/7. Failure to do so may result in decreasing your insurance benefits.
