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  Canada Immigration Forum > General > General > Which Medical Insurance for parents on Visitor visa??
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Which Medical Insurance for parents on Visitor visa??




Hello CDs,

I'm planning to get my parents here for 6 months on a Visitor visa. They do have many health issues. What options are the best for their Health/Medical Insurance & how much would it cost approximately.

Thanks!


 
BangaloreGirl

Junior Desi
Member since: Jul 15
Posts: 38
Location:

Post ID: 235166 12-06-17 15:21:03
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Full House
Senior Desi
Member since: Oct 12




Posts: 2215
Location:

Super Visa Insurance. (For Parents and Grand Parents)


Determine Their Eligibility.. : http://www.cic.gc.ca/english/visit/supervisa-who.asp

Then.. Look for travel and other Insurance.

There are a few of the Major Companies that run and conduct Super Visa Insurance for us here within Canada. The minimum dollar value of the policy, I believe is, $100,000.00. Here is one and you can fill in and send it to them and see what kind of response you receive from them. Please make sure that the policy covers ALL of their Pre-Existing Conditions that they have. (in their health. Do not give them a chance for refusal) It MUST COVER everything.

Good Luck.

FH.

https://supervisabestinsurance.com/

https://parentsupervisa.ca/

https://www.punjabinsurance.ca/super-visa-insurance-medical-condition

http://canadainsuranceplan.ca/super-visa-for-parents-health-insurance.php?gclid=CjwKEAjw9_jJBRCXycSarr3csWcSJABthk075Vo-VIci2qrTN57bNPCNJIK7ZJLJoJQmE93j0FnPBhoCF7fw_wcB

https://www.securiglobe.com/en/travel-insurance-products/super-visa-insurance/



---
Quote:
Originally posted by BangaloreGirl

Hello CDs,

I'm planning to get my parents here for 6 months on a Visitor visa. They do have many health issues. What options are the best for their Health/Medical Insurance & how much would it cost approximately.

Thanks!





 
Post ID: 235168 12-06-17 22:27:44
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icame
Desi
Member since: May 17




Posts: 86
Location: Devil's Own Country


Getting medical insurance from a Canadian/American company over here is better, than getting one from an Indian company like ICICI, TATA AIG etc . As making claims, reimbursement etc will be easier, if God forbid something happens here.

Blue Cross - I heard is a good one. Also check out Manulife, RBC Insurance etc.

Almost none of them will cover any pre-existing conditions, or they will only cover them if they have been stable for a long long time with medications etc. So watch out for the PRE-EXISTING conditions clause..and what's covered and what's not.

Whatever you do, do not lie on the policy to get a low premium. The insurance companies will find every excuse to not pay and will go through your past medical records to find previous medical history, medical treatment, medical conditions etc. Then say you lied and use that as an excuse to not pay.

Truthfully and honestly answer each and every question. Even sit with a doctor to fill up the medical questions if you are unsure about what to put down, before buying that policy.

Create a fake name and fake email, then put your parent's details and get a free insurance quote online from various companies like RBC Insurance, Manulife , Blue Cross etc , to get a rough estimate.

Then later on with a real name of your parents, buy the one which you think is the best and most comprehensive.

Canada is a dull, boring, low level country - your parents will be bored to hell, when they come here. You and your husband will go to work, and they will be bored at home.

Right now they think Canada is a high level country, let them remain in that myth. After coming here they will realise that Bangalore is much better than Toronto, and you had a better life back home than over here. They will get sad and depressed, when they see that. So its better they don't see that.

The only good thing is that, they will get to meet you, otherwise everything else will be a waste of time for them in Canada. Better you go to Bangalore and meet them. You will get a break from this shit hole called Canada. And meet your close family and friends at the same time.

After getting your Citizenship and Cad Passport, both of you should move back to India to take care of your ageing parents. Taking care of Your parents and spending time with them is more important than this dung hole called Canada. Your parents raised you, not Canada.

Abandon Canada, NOT your parents. Right now you are young, after getting older you will realise, what a big mistake Canada was.

-----------------------------------------------------------------
I am a Mens and not a Womens.

 
Last edited by: icame on 13-06-17 02:27:44
Post ID: 235176 13-06-17 02:07:58
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BangaloreGirl
Junior Desi
Member since: Jul 15




Posts: 38
Location:


I'll be applying for a Visitor visa, not the super visa.


Quote:
Originally posted by Full House

Determine Their Eligibility.. : http://www.cic.gc.ca/english/visit/supervisa-who.asp

Then.. Look for travel and other Insurance.

There are a few of the Major Companies that run and conduct Super Visa Insurance for us here within Canada. The minimum dollar value of the policy, I believe is, $100,000.00. Here is one and you can fill in and send it to them and see what kind of response you receive from them. Please make sure that the policy covers ALL of their Pre-Existing Conditions that they have. (in their health. Do not give them a chance for refusal) It MUST COVER everything.

Good Luck.

FH.

https://supervisabestinsurance.com/

https://parentsupervisa.ca/

https://www.punjabinsurance.ca/super-visa-insurance-medical-condition

http://canadainsuranceplan.ca/super-visa-for-parents-health-insurance.php?gclid=CjwKEAjw9_jJBRCXycSarr3csWcSJABthk075Vo-VIci2qrTN57bNPCNJIK7ZJLJoJQmE93j0FnPBhoCF7fw_wcB

https://www.securiglobe.com/en/travel-insurance-products/super-visa-insurance/



---
Quote:
Originally posted by BangaloreGirl

Hello CDs,

I'm planning to get my parents here for 6 months on a Visitor visa. They do have many health issues. What options are the best for their Health/Medical Insurance & how much would it cost approximately.

Thanks!






 
Post ID: 235178 13-06-17 10:57:15
Report Abuse
BangaloreGirl
Junior Desi
Member since: Jul 15




Posts: 38
Location:


Thanks for the info on Insurance. Haven't planned that far ahead about settling yet :)

Quote:
Originally posted by icame

Getting medical insurance from a Canadian/American company over here is better, than getting one from an Indian company like ICICI, TATA AIG etc . As making claims, reimbursement etc will be easier, if God forbid something happens here.

Blue Cross - I heard is a good one. Also check out Manulife, RBC Insurance etc.

Almost none of them will cover any pre-existing conditions, or they will only cover them if they have been stable for a long long time with medications etc. So watch out for the PRE-EXISTING conditions clause..and what's covered and what's not.

Whatever you do, do not lie on the policy to get a low premium. The insurance companies will find every excuse to not pay and will go through your past medical records to find previous medical history, medical treatment, medical conditions etc. Then say you lied and use that as an excuse to not pay.

Truthfully and honestly answer each and every question. Even sit with a doctor to fill up the medical questions if you are unsure about what to put down, before buying that policy.

Create a fake name and fake email, then put your parent's details and get a free insurance quote online from various companies like RBC Insurance, Manulife , Blue Cross etc , to get a rough estimate.

Then later on with a real name of your parents, buy the one which you think is the best and most comprehensive.

Canada is a dull, boring, low level country - your parents will be bored to hell, when they come here. You and your husband will go to work, and they will be bored at home.

Right now they think Canada is a high level country, let them remain in that myth. After coming here they will realise that Bangalore is much better than Toronto, and you had a better life back home than over here. They will get sad and depressed, when they see that. So its better they don't see that.

The only good thing is that, they will get to meet you, otherwise everything else will be a waste of time for them in Canada. Better you go to Bangalore and meet them. You will get a break from this shit hole called Canada. And meet your close family and friends at the same time.

After getting your Citizenship and Cad Passport, both of you should move back to India to take care of your ageing parents. Taking care of Your parents and spending time with them is more important than this dung hole called Canada. Your parents raised you, not Canada.

Abandon Canada, NOT your parents. Right now you are young, after getting older you will realise, what a big mistake Canada was.





 
Post ID: 235179 13-06-17 11:08:11
Report Abuse
icame
Desi
Member since: May 17




Posts: 86
Location: Devil's Own Country


Quote:
Originally posted by BangaloreGirl

Hello CDs,

I'm planning to get my parents here for 6 months on a Visitor visa. They do have many health issues. What options are the best for their Health/Medical Insurance & how much would it cost approximately.

Thanks!



I would say you are looking at at least $ 1,500 for 6 months for both of them combined, so $ 750 each, if you want quality and reputed coverage. The duration of 6 months is long, plus their age and medical ailments makes it quite expensive. Don't cheap out on it, not worth it, go for the most comprehensive and reliable one.

The Q & A below should help you in choosing & Understanding a bit.

Again I cannot stress enough about pre existing conditions, 99 % of problems, disputes, non-payments arise there, when it comes to paying out by insurance companies. Excuses galore from them !

But if you are right & truthful you will be paid. Or even a lawyer will help you fight it out.

--------------------------------------------------------------------------------------------
Q: Why should I buy insurance from a Canadian insurance company instead of from a company in my home country?

A: Canadian medical providers (hospital, dentists, medical clinics, etc.) prefer to work with Canadian insurance companies. There is direct billing between hospitals and the Canadian insurance companies. In the event that you have to pay for expenses and then file a claim, Canadian insurance companies will have a faster claim procedure as they can verify Canadian medical expenses faster than providers in foriegn countries (so you get reimbursed faster).

Also, Canadian insurance companies are regulated by Canadian regulators, at some of the very highest standards around the world. In fact, they are also re-insured by Assuris - a Canadian government agency that will cover up to $60,000 of medical expenses in case a Canadian insurance company becomes insolvent. Not that that is likely, but it's nicer to know that you are insured no matter what happens. And, of course, if you are already in Canada companies in your country may not insure you because you have already left your home (province).

Q: What amount of Visitors travel medical insurance should I purchase?

A: Hospital costs for visitors to Canada can amount to over $3,000 per day, and air ambulance charges to return you home could very easily be in the ten's of thousands of dollars. We recommend at least $100,000 of medical insurance coverage if peace of mind is what you are after, and a higher amount if you are visiting from farther away.

Q: Do I purchase Visitors to Canada insurance before I leave, or once I arrive in Canada?

A: We recommend that you purchase your Visitors to Canada travel medical insurance prior to your arrival in Canada. If you purchase after you arrive in Canada, most insurance companies will have a waiting period of anywhere between 1 to 8 days after you purchase, during which time there will be no coverage for sickness, only for injury. Why take the chance that nothing happens before your sickness coverage is valid?

Q: Can I purchase a policy for my family members who are planning to come for a visit?

A: Yes. Anyone can purchase a policy on behalf of someone coming to Canada. In fact, you should know that if a person is coming to Canada and you have sponsored their stay, you will be responsible for their medical bills if they cannot pay for them. So even if they don't want the coverage, you might want to buy it for them.

Q: Are there any discounts for two or more travelers buying at the same time?

A: Some company's do offer discounts for largers groups. For two travelers, each traveler pays the rate that applies to their age, based on how long their trip is. It actually makes sense to buy two separate policies, because the price will be the same but if one traveler has a claim and both travelers return home the policy holder that did not claim can apply for a refund. If both travellers are covered under the same policy, no refunds are possible after a significant claim has been made, no matter how many days are left on the policy.

Q: If I have a pre-existing condition, can I get coverage for that with a Visitors to Canada insurance policy?

A: Maybe.

It depends on the pre-existing condition, and the terms and conditions of the policy. Some insurance companies offer plans that cover pre-existing conditions as long as they have been stable for a certain period of time (3 to 6 months) before departure from your home country. More often, pre-existing conditions will not be covered. It is important to read your entire policy to make sure you are aware of the definitions affecting coverage, as well as the possible exclusions that may apply. If you have any questions about your pre-existing conditions and obtaining coverage, please contact us.

Q: Do I have to take a medical test before I can buy Visitors to Canada insurance?

A: No. There is no medical exam required prior to purchase. There may be some medical questions that are asked as a part of your online application. You must answer all questions truthfully, as not doing so may void (cancel) your coverage. If you have to submit a claim, the insurance company will investigate to determine if your condition was a pre-existing one, and/or whether you were truthful on your application.

Q: Can my Visitors to Canada medical insurance be extended if I want to stay longer?

A: Most policies can be extended up to one year of time in Canada, provided you are still in good health and do not have any prior or pending claims on the policy. You just need to call your insurance company before your policy ends (please look up exact extension details in your policy wording, and they can extend the coverage for you.

Q: Who can purchase Visitors to Canada travel insurance?

A: As long as they meet the eligibility requirements stated in the policy:

Visitors to Canada here on business or vacation;
Immigrants to Canada waiting for government health coverage approval.
Canadians who have returned to Canada and are not yet covered under a provincial health plan.

Q: Do you offer discounts for group travel medical insurance?

A: Yes, some insurance companies offer group discounts. Call us toll-free at 1-855-237-8808 for more information.

Q: Am I covered for trips outside Canada?

A: Your medical emergency coverage begins after your arrival in Canada. After that time, as long as the majority of your period of coverage is spent in Canada, you will be covered for during travel outside Canada. However, expenses incurred in your own country will usually not be covered. Please read your policy for details.

Q: If Visitors to Canada insurance won't cover my pre-existing condition, why should I buy it?

A: Even though the emergency medical coverage might not apply to an existing condition, your travel insurance will cover any new illnesses or accidental injuries. There are also Visitors to Canada plans that include trip interruption coverage, which can protect you from financial losses from having to cancel your trip after you come to Canada (ie. for a family emergency back home), or for delays and other surprises that occur while travelling.

Q: What do I do in the case of an emergency and/or hospitalization?

A: You must call your insurance company and notify them of any emergency medical treatment or hospitalizationas soon as possible, , and/or to obtain their approval of expenses that can be covered (ie. flying home to obtain medical attention). Failure to notify your insurance company can result in decreased coverage.

-----------------------------------------------------------------
I am a Mens and not a Womens.

 
Last edited by: icame on 20-06-17 14:12:56
Post ID: 235190 14-06-17 15:58:02
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BangaloreGirl
Junior Desi
Member since: Jul 15




Posts: 38
Location:


Thanks again!

 
Post ID: 235263 19-06-17 15:00:53
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icame
Desi
Member since: May 17




Posts: 86
Location: Devil's Own Country


$ 750 for 180 days for 1 person is not bad. That's only $ 4 a day .

I know people who spend more than that daily at Starbucks just on Coffee, around 5 bucks.

A Big Mac will be $ 5.49 + Tax in GTA.

Never cheap out on Medical insurance, because if something happens you are looking at minimum
$ 100,000 bill . Go for the best coverage and also one that's easy to make a claim and reimbursed.

By the time they come here it will be winter, even accidents like slip and fall on icy sidewalks is common for old folks from India, as they are not used to the snow & ice. Flu and getting fever/cold/cough is also quite common in Winter.

We are used to Winter, visitor's not so much, they feel twice as cold as us.

3 months Summer + 3 months Fall , is probably the best 6 months for parents to come to Canada if they want to come for 6 months.

3 months Spring too much rain. 3 months Winter too much cold.

-----------------------------------------------------------------
I am a Mens and not a Womens.

 
Post ID: 235274 20-06-17 14:03:01
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