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Originally posted by ashedfc

Yes the company I am referring to refunds the balance amount, with a $25 admin fee deduction.
Let say the premium for the 365 days is 3650, & the parents decide to go back after 60days, than $3650 (less $600 coverage used for 60 days) less $25 admin fee will be refunded back.
No, You don't have monthly option.

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So does this mean that we have to apply for supervisa only[with insurance bought here], even we r calling the parents only for a month or so

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Originally posted by ashedfc
Existing conditions are excluded; but complications arising due to existing conditions are covered. Like for example, High BP patients - the BP medications are not covered, but any complication due to High BP say, Heart attack, or Stroke is overed..

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Hi Chekram,

I know your question was aimed at the saleperson from punjab insurance, but here's the answer: Punjab Insurance is quoting you some rates for the Travel Underwriters Platinum policy. The policy details include this:

"The Company will not provide coverage, provide services, or pay claims for expenses incurred directly or indirectly as a result of:
1. Pre-existing Conditions as defined except as follows:
a) for persons 69 years and under, if Stable in the 120 days prior to the effective date of this Policy; or,
b) for persons 70 to 79 years, if Stable in the 120 days prior to the effective date of this Policy and the applicable optional coverage was purchased."

So the 63 year old traveler would have stable pre-ex conditions covered, the older traveler would be asked to add that additional coverage by paying (25%) more. So the older traveler ends up paying $3595.25 ($zero deductible ) or $3445.25 with a $500 deductible.

That compares to Manulife's Plan B (stable period is 180 days), for $3052.86 with a $500 deductible: (you do have to ask for the $100,000 plan when you go here

As described above, it's probably better to use a higher deductible to lower the policy cost, and to take a close look at the refund policy if you aren't planning to use the insurance for the full year.





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smiley asked:

So does this mean that we have to apply for supervisa only[with insurance bought here], even we r calling the parents only for a month or so?

The new super visa was created to help get rid of the backlog of people applying for permanent residece (PR) visas under the 'parents and grandparents category'. So, they put a two year ban on anyone applying for a PR visa under the parents and grandparents category, and created the 'multi-entry' 10 year Super Visa. The Super Visa is a temporary resident visa (TRV).

I'm not an immigration expert, but I'm quite certain that nothing has changed in regards to applying for a regular temporary resident visa. The difference between a regular temporary resident visa and the Super Visa is that:

1) the time required to issue a Super Visa is expected to be quicker
2) The Super Visa allows your parents to stay for up to two years at a time, and I believe the regular temporary resident visa only allowed 6 months
3) Once obtained, the Super Visa is good for ten years - so your parents wouldn't need to apply for a new visa each time they want to come back to see you again in the future (not the first ten years at least). So it cuts down on extra application fees, and wait times.

The advantages of the Super Visa come with a high price in terms of the health insurance required at application time. But, as long as no claim has been made under the policy while your parents are here for a month, when they return home, the unused 11 months of coverage ($$) will be refunded. And then, they'll have a visa good for the next ten years. Then, at the drop of a hat, they could come and visit whenever you need them or want them to.

On subsequent short trips, as long as they can show the officer at the point of entry that they have at least $100,000 of health insurance coverage for their entire trip, they'll be able to enter Canada.

So if they come back the following year, and want to stay for 45 days, they'll need to buy a travel insurance policy that meets the Super Visa requirements (all the ones on http://www.bestquotetravelinsurance.ca meet the requirement ) covering them for the 45 days. And the immigration officer would issue them an entry visa (stamp in passport) allowing 45 days entry.

That's my understanding of how things will proceed once the port of entry officers get used to the new Super Visa and it's requirements.

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I had a good question today from one of the link removed . He read me the stated requirements of the insurance, and asked me if the polices on the link removed

The requirements are:
•Proof that you have private medical insurance valid for a minimum of one year from a Canadian insurance company and that:
◦Covers health care, hospitalization and repatriation;
◦Provides a minimum coverage of $100,000; and
◦is valid for each entry to Canada and available for review by a port of entry officer.

So yes, the policies do cover health care, hospitalization and repatriation (sending someone home for medical attention, or if necessary, their body if they decease).
Yes, the policies are sold in amounts equal to or more than $100,000.
If a visitor is coming to Canada, and expects to return home, and then come back again within the same year - most travel insurance policies are set up as 'single trip' policies. And would have to be cancelled, a refund obtained for the unused portion and a new policy purchased when they come back a second time. I checked the details of all the polices on the link removed website, and two of them, the ones offered by Manulife, and Travel Underwriters Freedom policy (not platinum), allow for returns home without the policy ending. No coverage exists while in home country. TIC will allow this if the return home is for an emergency.
And, of course showing the policy to the immigration officer is a matter of printing it and taking it with you.


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