Supervisa Application

Eligibility

To be eligible for coverage, on the effective date, you must:

• Be a visitor to Canada or a person in Canada under a valid work or student visa, a Canadian or an immigrant not eligible for benefits under a government health insurance plan; and
• Be at least 15 days of age and no more than 90 years of age; and
• Not be travelling against the advice of a physician and/or have not been diagnosed with a terminal illness or be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention; and
• Not require assistance with the activities of daily living (eating, bathing, dressing, functional mobility, using the toilet).

Waiting Period

If you purchase this coverage after your arrival in Canada there is no coverage for any sickness that began, or for which you experienced symptoms during the:

• Up to Age 70: 48 hours after the effective date; or
• Age 71-90: 5 days after the effective date, even if related expenses are incurred after Waiting Period.

Exception: The waiting period will be waived if this policy is purchased on, or prior to, the expiry date of an existing Visitors to Canada Travel Insurance policy already issued by the insurer, to take effect on the day following such expiry date provided there is no change in plan type or increase in the sum insured applied for. The existing policy must be in effect on the date of purchase and there must be no gap in coverage.

Pre - Existing Medical Condition

A Pre-existing condition depends on your health condition means the critical illness, injury, symtom(s) that exists before and after effective date of insurance. Sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition.

If at the time of application you are taking medication of HBP (High blood pressure), Heart Condition, Lung Condition, Diabetese etc, you are atomaticaly in pre-existing condition.

Under 60 years of age Pre-existing condition automaticaly covered for illnesses related conditions as long as they have been STABLE in the 180 days before the policy starts.

Between the ages of 60 and 85 you need to eligible to buy our Stable Chronic Condition Option to cover pre-existing conditions. If you are ineligible to buy SCC option, you will pay a lower premium but will NOT be covered for any pre-existing conditions.

And if you are above than Age 86 pre-existing conditions are not covered.

This insurance has exclusions and limitations. If you buying this insurance policy you need understand your entire policy with what is probably the most important exclusion in any Visitor to Canada policy. All policies use their own definition of stable and other terms that affect coverage.

Many Visitors to Canada Medical insurance plans covers for emergency medical expenses relating to pre-existing medical conditions, which have been STABLE in 120 -180 days (depending on the plan) prior to the effective date of the policy.

Stable Medical Condition

STABLE pre-existing conditions is slightly different with different plans, it means:
a) You have not had any new symptoms, and existing symptoms have not become more frequent or severe, no test results showing deterioration; and/or
b) your physician has not determined that the condition has become worse; and/or
c) you have not been hospitalized or referred to a specialty clinic or specialist.
d) you have not advised to see you specialist or further test.

Common Exclusions

Coverage is NOT AVAILABLE to any individual who:

has been diagnosed with a terminal illness;

has Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV);

has been prescribed or used home oxygen treatment in the last 12 months;

has been diagnosed with or treated for congestive heart failure;

has had a major organ transplant (heart, kidney, liver, lung);

has received kidney dialysis treatment in the last 12 months.

To be eligible for coverage you must on the effective date, not be insured or eligible for benefits under a Canadian government health insurance plan; be in good health at the time you purchase your policy and on the effective date, and know of no reason why you would attend any medical consultation during the period of coverage.