Question 1

What is Super Visa insurance?

Accepted Answer

Super Visa insurance is a Canadian government-required medical insurance policy for parents and grandparents visiting Canada on a Super Visa. It must provide a minimum of $100,000 in emergency medical coverage, be valid for at least one year from the date of entry, and be purchased from a Canadian insurance company. Oracle RMS Insurance can help families across Canada arrange Super Visa insurance.

Question 2

What insurance is required for a Super Visa?

Accepted Answer

Immigration, Refugees and Citizenship Canada (IRCC) requires Super Visa applicants to have Canadian medical insurance with a minimum coverage of $100,000, valid for at least one year from the date of entry, and issued by a Canadian insurance company. The policy must cover health care, hospitalization, and repatriation.

Question 3

How much does Super Visa insurance cost?

Accepted Answer

Super Visa insurance premiums vary based on the applicant's age, health history, coverage amount, deductible chosen, and the length of the policy. Premiums are generally higher for older applicants or those with pre-existing medical conditions. Contact Oracle RMS Insurance for a personalized quote — we serve Super Visa insurance clients across Canada.

Question 4

Where can I buy Super Visa insurance in Canada?

Accepted Answer

You can purchase Super Visa insurance through a licensed Canadian insurance broker. Oracle RMS Insurance London North helps families arrange Super Visa insurance for parents and grandparents visiting from anywhere in Canada. You can also get online rates through our SuperInsurance.ca portal.

Question 5

Can I get Super Visa insurance online?

Accepted Answer

Yes. Oracle RMS Insurance provides access to online Super Visa insurance rates through the SuperInsurance.ca portal. You can compare plans and purchase coverage online, or speak with one of our licensed advisors for personalized guidance.

Question 6

What does Super Visa insurance cover?

Accepted Answer

Super Visa insurance covers emergency medical treatment, hospitalization, ambulance services, prescription drugs related to a covered emergency, and repatriation to the home country. Some plans also include coverage for pre-existing stable medical conditions, depending on the policy terms and the applicant's health history.

Question 7

What is the difference between Super Visa insurance and visitor insurance?

Accepted Answer

Super Visa insurance is specifically designed to meet the Canadian government's requirements for the Parent and Grandparent Super Visa program. It must be valid for at least one year and provide a minimum of $100,000 in coverage. Visitor-to-Canada insurance is a broader category of travel medical insurance available to any visitor to Canada, with more flexible coverage amounts and durations.

Question 8

What insurance do visitors to Canada need?

Accepted Answer

Visitors to Canada are not covered by provincial health insurance plans. Visitor-to-Canada insurance provides emergency medical coverage including hospitalization, physician fees, diagnostic tests, and emergency dental treatment. Coverage amounts and policy terms vary — Oracle RMS Insurance can help visitors and their families across Canada find the right plan.

Question 9

Can I buy Super Visa insurance if my parent has pre-existing medical conditions?

Accepted Answer

Some Super Visa insurance plans may provide coverage for certain stable pre-existing medical conditions, depending on the insurer, the medical questionnaire, the applicable stability period, and the policy wording. Eligibility and coverage vary by insurer and individual circumstances — not all pre-existing conditions are covered by all plans, and coverage is not guaranteed. Before purchasing, review the medical questions, stability requirements, exclusions, and policy wording carefully. Because pre-existing medical conditions can affect eligibility, stability requirements, and coverage, call our office at 226-667-3353 to discuss your circumstances with our team.

Question 10

How long does Super Visa insurance need to be valid?

Accepted Answer

As of the current Government of Canada requirements, Super Visa insurance must be valid for a minimum of one year from the date of entry into Canada. The policy must be issued by a Canadian insurance company and provide a minimum of $100,000 in emergency medical coverage. Immigration requirements can change — applicants should verify current requirements directly with the Government of Canada at canada.ca before applying. The insurance policy validity period and the immigration requirement are separate considerations: the policy must meet the minimum requirement at the time of application, but the actual coverage period, renewal terms, cancellation provisions, and other policy conditions are governed by the policy wording itself.

Question 11

How much life insurance do I need?

Accepted Answer

The right amount of life insurance depends on your income, debts, dependants, and financial goals. A common starting point is 10 to 12 times your annual income, but a licensed life insurance advisor can help you calculate a more precise amount based on your specific situation. Oracle RMS Insurance serves life insurance clients across Canada.

Question 12

What is the difference between term and permanent life insurance?

Accepted Answer

Term life insurance provides coverage for a set period (such as 10, 20, or 30 years) and pays a death benefit if you pass away during that term. It is generally more affordable and suitable for covering temporary needs like a mortgage or income replacement. Permanent life insurance (such as whole life or universal life) provides lifelong coverage and may include a cash value component. The right choice depends on your financial goals and stage of life.

Question 13

What is critical illness insurance?

Accepted Answer

Critical illness insurance pays a lump-sum benefit if you are diagnosed with a covered serious illness such as cancer, heart attack, or stroke. The benefit can be used for any purpose — medical expenses, mortgage payments, or income replacement while you recover. It is available to Canadians through Oracle RMS Insurance.

Question 14

What is disability insurance?

Accepted Answer

Disability insurance replaces a portion of your income if you are unable to work due to illness or injury. Individual disability insurance is important for self-employed individuals, business owners, and employees whose group benefits may not provide sufficient coverage. Oracle RMS Insurance helps Canadians find the right disability coverage.

Question 15

What does private health and dental insurance cover?

Accepted Answer

Private health and dental insurance covers expenses not included in your provincial health plan, such as prescription drugs, dental care, vision care, paramedical services (physiotherapy, massage therapy, chiropractic), and private hospital rooms. It is available to individuals, families, and self-employed Canadians.

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