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Super Visa Insurance

Overview

The first thing you need to do before you decide on and finalize your stay is to find out if you need a visa to enter into Canada. If you do need one you will need to find out how to apply. However it is important to mention that even if you do not need a visa you may still account from the Parent and Grandparent Super Visa. If you would like the opportunity to stay in Canada it is possible for you to get a Parent or Grandparent Super Visa by applying for a temporary resident visa. A visa of this type is valid for up to ten years and can permit a single entry or even multiple entries into Canada.

Anyone who is applying for the Canadian Super Visa must show that they have purchased private medical insurance that meets the Super Visa requirements. All of the Super Visa travel health insurance quotes you obtain should meet the following requirements and will be purchased through Punjab Insurance:
• Be issued by a Canadian insurance company
• Be valid for the one year period you specify at the time of the purchase
• Include the necessary health care, hospitalization and repatriation coverage
• Provide a minimum amount of $100,000 in coverage but it is possible that you can opt for a larger amount of $150,000

What are the Emergency Medical Benefits covered by Visitors Travel Insurance?

  • (1) Emergency medical attention
  • (2) Childcare expenses
  • (3) Coverage for paramedical services
  • (4) Return of children
  • (5) Ambulance transportation
  • (6) Visit to bedside if travelling alone
  • (7) Trip Break
  • (8) Emergency dental treatment
  • (9) Expenses related to death
  • (10) Emergency medical return home
  • (11) Additional expenses for meals and hotel

Note: Exclusions, conditions and limitations apply. See policy for details.

What optional coverage’s are available?

Trip Interruption: For those who have prepaid travel arrangements and want to protect themselves if their trip is interrupted, this insurance is available for purchase with all plans and provides coverage for an individual trip.

Overview of benefits*

Up to $1,500 for single coverage and $5,000 for family coverage
Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event

Highlights of insured risks:

Medical condition or death of the insured (or the insured’s travel companion)
Medical condition or death of the insured’s (or the insured’s travel companion’s) immediate family
Emergency hospitalization or the death of the insured’s host during the trip

Travel Accident: Available for purchase with all plans and provides coverage for an individual trip.

Overview of benefits*

If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, within 365 days of the accident, Manulife Financial will pay $50,000.

If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint, within 365 days of the accident, Manulife Financial will pay $25,000.

If the insured has more than one accidental bodily injury during the trip, Manulife Financial will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

*Exclusions, conditions, and limitations apply. See the policy for details.

What important tips can I give my clients about the VTC plan for Super Visa?

If the Super Visa is denied, your client’s premium is 100% refundable.
To reduce the cost of premiums, you can offer deductible options of $500, $1,000, $2,500 or $5,000.

Annual premiums must be paid in full with the VTC application. Monthly payments are not accepted.
Your client can now purchase VTC Travel Insurance 365 days in advance of the effective date.

If your client chooses Plan B (coverage for pre-existing medical conditions), they will need to answer eligibility questions. It is extremely important that they answer as accurately as possible to avoid any claims being denied. If they are unsure of their medical history, advise them to visit their physician to help them fill out the questionnaire.

If your client has a medical emergency during their stay in Canada, they must call the assistance centre (the toll-free number is on their wallet card). If they do not call the assistance centre, they will have to pay 25% of the eligible medical expenses.

If the policy holder wishes to return to their home country for a short time during their period of coverage, they could do so under the Trip Break benefit. Their coverage will be suspended when they return home and reinstated when they return to Canada.

Where can I get more information about Super Visa requirements?

You will find more information on the Citizenship and Immigration Canada website.

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