Super Visa insurance is designed for parents and grandparents — and as we get older, most of us are diagnosed with at least one medical condition. Having diabetes, high blood pressure or a heart condition doesn't mean your parents can't visit you in Canada. It just means planning the coverage carefully.
What counts as a pre-existing condition?
Any condition your parent had symptoms of, was treated or hospitalized for, or took medication for during a set period before coverage starts (the "look-back" or stability period). This period varies by insurer — often 90 to 180 days.
Your options
- Plans that cover stable pre-existing conditions — if the condition has been stable for the insurer's required period, emergencies related to it can be covered. These plans cost more.
- Plans that exclude pre-existing conditions — lower premiums, and new, unrelated illnesses and injuries are still covered.
Tips
- Answer every medical question honestly and completely — mistakes can lead to a denied claim.
- Check what "stable" means for each insurer (no new medication, no change in dosage, no new symptoms).
- Pack enough regular medication for the visit; routine prescriptions aren't covered.
Compare plans that cover pre-existing conditions, or call Penank at 416-417-4891 and he'll help you choose the right one.
This article is general information only and not insurance, legal or immigration advice.
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