Supervisa health insurance post grant - what now?

[d.r.]

Hello people,

I scoured the forum for an answer for my question, but didn't seem to find one.

My mother got her Supervisa around November 2021.
We were planning for her to visit next year (around June, 2022).
At the time of her application, I had purchased a 1 year insurance as per the visa requirements.

But things happen, and she couldn't make the trip, so we postponed. I cancelled the insurance and got a refund.

So I bought tickets, and I'm expecting her to arrive in July this year, and stay until September (not even 2 months).

This will be her first time in Canada.

What do I do with insurance?

Do I still need to purchase a 1 year insurance for her, or I can purchase a custom-period insurance, say, 60 days?

Anyone else in this scenario?

Many thanks in advance!


P.S. I guess the question now is, do I need "Supervisa Insurance" or just an ordinary travel insurance?

 

[Ftaher]

Hello ,

You have to buy one year health insurance regardless. Unfortunately there is no option for custom period insurance.
When you buy a health insurance for supervisa, you can always keep extending it for X number of times. They always extend it for 6 months.

My mother got her supervisa last year April and she is only going to come to Canada the coming month which is after 1 year and 3 months of getting her supervisa.

We just need to make sure that we call before the expiry of the insurance to extend it inorder to not get charged. Or else, I think there is a charge of 60 or 70 dollars.

Hope this information was helpful for you.

Thank you

 

[Ftaher]

Also adding to that, supervisa unlike regular visitor visa requires you to buy a one year paid health insurance. So you need that absolutely.
It is a requirement. Please refer to the link below.

Thank you

https://www.canada.ca/en/immigration-refugees-citizenship/corporate/publications-manuals/operational-bulletins-manuals/temporary-residents/visitors/super-visa.html#host

 

[d.r.]

Thank you for your reply!

This is the part that confuses me: I did buy health insurance when I submitted the supervisa application, they requested a proof for it.

Once plans changed, and we determined that my mother couldn't come to Canada on the planned date, we cancelled the health insurance.

Now, almost 3 years later, she's coming over and staying for 2 months in Canada (I have a return ticket as proof of this)

Why do I need a whole year of health insurance, when she's only staying for 2 months?

 

[steaky]

Thank you for your reply!

This is the part that confuses me: I did buy health insurance when I submitted the supervisa application, they requested a proof for it.

Once plans changed, and we determined that my mother couldn't come to Canada on the planned date, we cancelled the health insurance.

Now, almost 3 years later, she's coming over and staying for 2 months in Canada (I have a return ticket as proof of this)

Why do I need a whole year of health insurance, when she's only staying for 2 months?

Yes, she need 1 year of health insurance every time she enter a port of entry. You can just ask for a refund for the remaining days after she left.

 

[Ftaher]

Thank you for your reply!

This is the part that confuses me: I did buy health insurance when I submitted the supervisa application, they requested a proof for it.

Once plans changed, and we determined that my mother couldn't come to Canada on the planned date, we cancelled the health insurance.

Now, almost 3 years later, she's coming over and staying for 2 months in Canada (I have a return ticket as proof of this)

Why do I need a whole year of health insurance, when she's only staying for 2 months?


I understand. Unfortunately That's the rule . So you have to go with it.

 

[Ftaher]

Sorry I wrote in the wrong place. I meant I completely understand however unfortunately that's the rule by the Canadian Government.

 

[d.r.]

Ok, thank you for the prompt replies! Would anyone please suggest some companies in a private message that do have a refund policy for any days/months when my mother leaves Canada? Thanks in advance!

 

[canuck78]

Thank you for your reply!

This is the part that confuses me: I did buy health insurance when I submitted the supervisa application, they requested a proof for it.

Once plans changed, and we determined that my mother couldn't come to Canada on the planned date, we cancelled the health insurance.

Now, almost 3 years later, she's coming over and staying for 2 months in Canada (I have a return ticket as proof of this)

Why do I need a whole year of health insurance, when she's only staying for 2 months?

It is to ensure that people take out 1 year of insurance because people would take out a short policy and the go without coverage. Also to ensure that if there is a medical event that delays departure there will likely be some time left on policy.

 

[d.r.]

If I go somewhere, say a vacation or a business trip for two weeks (not the best example, but same principle applies here), then I would buy an insurance policy that covers the duration of my stay at the place I'm staying. I'm pretty sure that I won't be purchasing an insurance policy that lasts a year, just for the sake of having the wiggle room if my departure is delayed, and my extra days get covered.

If I end up staying a month extra, then I'll extend/purchase extra coverage to cover the remaining days.

Besides, Canada shouldn't care whether the Supervisa holder has Canadian private health insurance, or a private health insurance purchased elsewhere (i.e. home country).

I did some research and ended up asking a bunch of people that are in a similar situation like I am, and all of them told me that their parents had purchased private insurance from the country they're from, and not from a Canadian company.

 

[canuck78]

If I go somewhere, say a vacation or a business trip for two weeks (not the best example, but same principle applies here), then I would buy an insurance policy that covers the duration of my stay at the place I'm staying. I'm pretty sure that I won't be purchasing an insurance policy that lasts a year, just for the sake of having the wiggle room if my departure is delayed, and my extra days get covered.

If I end up staying a month extra, then I'll extend/purchase extra coverage to cover the remaining days.

Besides, Canada shouldn't care whether the Supervisa holder has Canadian private health insurance, or a private health insurance purchased elsewhere (i.e. home country).

I did some research and ended up asking a bunch of people that are in a similar situation like I am, and all of them told me that their parents had purchased private insurance from the country they're from, and not from a Canadian company.

Then your mother should have applied for a normal visitor visa. With supervisas we are talking about much longer stays than average vacations and a senior population so there are much different considerations. Seniors are more likely to get sick. Often not possible to just buy extra days of coverage without a wait period when already in a country and especially not if you are extending your stay due to a medical event. There were too many visiting parents accessing healthcare without medical insurance so these rules were implemented. The supervisa program is very generous so requiring proof of 1 year of insurance is a small price to pay.