Parents Visiting Canada? Read This First

Reminder: Important Considerations When Bringing Parents to Canada on a Super Visa

Bringing your parents or grandparents to Canada on a super visa is a wonderful way to spend extended time together, but it's essential to be fully prepared for potential healthcare costs. Here are key points to keep in mind to avoid unexpected medical bills:

1. Choose the Right Travel Insurance Plan

A basic super visa insurance plan may not cover pre-existing conditions. Some policies only review medical history after a claim is made, leading to potential denial of coverage. Opt for a comprehensive plan that includes a thorough medical questionnaire before purchasing.

2. Be Honest About Medical History

Even if a medical condition hasn’t been recently diagnosed or prescribed for, insurance companies may still consider it a pre-existing condition. Always disclose all known health issues and, if needed, consult a doctor for clarity before purchasing a policy.

3. Understand Policy Exclusions

Read the fine print carefully—some policies exclude coverage for conditions that may not seem serious but could impact claims. Ask the insurance provider to explain exclusions in detail.

4. Verify Coverage Amounts

While $100,000 coverage might seem sufficient, hospital stays and intensive care can quickly exceed this amount. Consider higher coverage limits for additional protection.

5. Consult with an Insurance Broker

An insurance expert can help you find policies that offer the best protection based on medical history, ensuring you and your loved ones are adequately covered.

6. Keep Medical Records Accessible

In the event of hospitalization, having access to past medical records can help clarify any disputes regarding pre-existing conditions and assist in the claims process.

7. Act Quickly if a Claim is Denied

If an insurance claim is denied, ask for a detailed explanation and seek support from a consumer advocacy group, media, or legal professionals. Sometimes, insurers may reconsider upon further review.

Ensuring the right coverage for visiting parents or grandparents can prevent financial stress and provide peace of mind during their stay in Canada.