Bringing your mother and father – or grandparents – to Canada using a Super Visa is an important thing for families; however, selecting the best Super Visa Insurance in Canada can feel like a lot to take in. Because there are mandatory coverage rules and premiums that change a lot, many families either spend too much, or get coverage that isn’t good enough. Planet Insurance Canada assists families in getting protection which meets the rules, is affordable, and doesn’t have unnecessary charges. Here’s how you can do the same thing.

1. Know the Super Visa Insurance Requirements that must be met

Before you start looking at prices, you have to know what the Canadian government needs. Super Visa Insurance has to:

Offer at least $100,000 in emergency medical coverage

Be good for a minimum of one year

Be from an insurance company in Canada

Cover medical care, being in hospital, and getting someone sent back home

Be in effect when the Super Visa application is made.

Any plan that doesn’t have these things – even if it’s cheaper – could cause the visa to be turned down. The correct policy is chosen by following the rules, and not only price.

2. Don’t Just Pick the Cheapest Plan

A lot of families wrongly buy the least expensive policy they see online. Although how much something costs is important, cheap Super Visa Insurance usually has:

Limits on how much will be paid

High amounts to pay before the insurance starts

Restrictions on conditions that someone already has

Strict limits on what claims can be made

Rather than looking at the lowest premium, look at the value of the coverage. A slightly bigger premium but with better benefits can save many thousands of dollars in medical bills later on.

3. Pick Coverage Depending on Health, Not Just Age

Age affects premiums, but someone’s medical history is more important. If your parents or grandparents have existing health problems such as diabetes, high blood pressure, or heart disease, you should:

Choose a plan which covers stable conditions that someone already has

Look closely at how long a condition has to be stable for

Stay away from policies which don’t cover common health problems

Planet Insurance Canada is good at matching people with insurers who give good rates without losing necessary medical coverage.

4. Use Deductibles to Get Costs Down

A deductible is the amount you pay before the insurance starts to pay. Choosing a higher deductible – such as $1,000 or $3,000 – can lower yearly premiums a lot – sometimes by 20–40%.

This method is good for families who are sure their parents are healthy, and who want to lower costs to start with in a sensible way.

5. Always Get Super Visa Insurance that Can be Returned

Super Visa applications can be delayed, turned down, or travel plans can change. Buying Super Visa Insurance which can be fully or partly returned makes sure you don’t lose money if:

The visa is refused

The trip is put off

The parents come back earlier than planned

At Planet Insurance Canada, we give priority to plans which are flexible and will give money back, protecting families financially when there are times that are not certain.

6. Get Help From a Canadian Insurance Advisor Who is Licensed

Online tools for comparing don’t take into account personal medical history, small differences in who is allowed, or rules about getting money back. An advisor who is licensed can:

Compare a number of Canadian insurers

Make sure the rules of IRCC are followed

Change coverage so that you don’t get too much insurance

Give help with claims if it’s needed

Planet Insurance Canada gives expert advice, prices which are clear, and no hidden charges – so families get the best Super Visa Insurance without spending too much.

Final Thoughts

Picking the right Super Visa Insurance in Canada isn’t about getting the cheapest plan – it’s about getting the correct mix of following the rules, coverage, and cost. With the correct advice and a way of doing things which is for the person, families can protect their loved ones and their money.

Get expert help with Super Visa Insurance today with Planet Insurance Canada – trusted by families across Canada.