Pre-existing health conditions and stability requirements for Super Visa Insurance

We classify a medical condition for which treatment has been received or taken as a pre-existing health condition. Before the super Visa Insurance starting date and within the specified period, it’s essential to submit the stability of exhibited symptoms or a medically recognized complication or recurrence of a medical condition. The critical illness, injury, symptom(s) exhibit the pre-existing health condition that exists before the effective date of insurance. If a policy has a stability period of 90 to 180 days of any sickness, injury or medical condition before the effective date. For example, if you are taking medication of high blood pressure, a heart condition, a lung condition, diabetes, etc, you are automatically in pre-existing condition. Stable pre-existing health condition means there has been no alteration in any medication, nor need any treatment or prescribed usage or dosage for the controlled medical condition. It’s important to have a no alteration in any medication for the condition recommended by a physician; before the start date of the policy or within the specified period. 

Stable Medical Condition: Stable pre-existing conditions are slightly different from different health conditions, it means: 

  • Didn’t develop any new symptoms and not showing deterioration in any existing symptoms (frequency or severity in conditions).
  • The physician has not determined that the condition has become worse.
  • Not been hospitalized or referred to a specialty clinic or specialist.
  • Not advised to see your specialist or further test.

It is important to understand how important to tell your insurance company about the pre-existing medical condition. If the insured has had a change in medication, had an existing condition recur, or has any pending test or treatments, the associated condition would be not be considered stable and controlled medical condition. 

Common misconceptions about pre-existing conditions

  • It is a common misconception that if a doctor approves a patient’s travel plans, it will cover the patient under stable pre-existing conditions. 
  • Another common misconception is that when a person’s health improves, it will cover them under a Super Visa insurance policy. 

Super Visa is a great option for Canadian citizens to invite their parents or grandparents to live with them for a longer duration. This Visa program saves you from traveling back and forth as often as the visitor visa and parents or grandparents can build a stronger relationship with their grandchildren or great-grandchildren, etc. Travel Shield Super Visa is an option for parents and grandparents of permanent residents and Canadian citizens to visit their family in Canada. One of the most attractive features of this plan helps to cover medical expenses. It is challenging to bear medical expenses in Canada. 

Canadian citizens used to take a Super Visa Insurance plan because, without an insurance plan, it is challenging to survive over there. If you have a fever and you visit to a doctor without a secured plan, then it will cost you very high. Super visa insurance is the first requirement if your parents or grandparents wish to visit Canada. Unfortunately, if any misfortune happens or met with an accident, flu or cold or has a fever, the medical consultancy will cost them high in Canada. A super visa is a flexible option that allows your parents and grandparents to roam here and there with their grandchildren without lengthy processing times and any tension or worry. It takes a few weeks to process the Super Visa application, which allows you to happily explore, the beautiful cities of Canada. The most significant advantage of this plan, visitors have at least $100,000 in health coverage issued by a Canadian insurance company and eligible for side trips to other countries. In case the visitor becomes sick or injured while in Canada, this visa will cover the cost of their health care in case of a medical emergency and other misfortunate. 

  • Plans the Essential Plan (Plan A): There is no coverage provided for any Pre-Existing Condition or Medical Condition present on Your Start Date.
  • The Premier Plan (Plan B & Comprehensive): Yes, under the Premier Plan, Pre-Existing Conditions or related Medical Conditions are covered as follows:

a) For ages 70 and under on the Start Date of the policy (Plan B), the Pre-Existing Condition or Medical Condition was Stable and Controlled during the 120 days immediately before your client’s Start Date.

b) For ages 71 to 80 on the Start Date of the policy (Comprehensive), the Pre-Existing Condition or Medical Condition was Stable and Controlled during the 180 days before the start date, except few conditions which are not covered under Super Visa: 

  • Any heart condition: not limited to arrhythmia, angina, heart attack, or cardiac surgery. 
  • Any brain condition: not limited to aneurysm or seizure, transient ischemic attack (TIA), mini-stroke or stroke.
  • Any lung condition: not limited to asthma, chronic bronchitis or emphysema, and chronic obstructive pulmonary disease (COPD).

Travel Shield Advisor is your best resource when it comes to understanding policy benefits, definitions, exclusions, limitations, terms, and conditions. They have the experience and knowledge to guide you through your Super Visa Insurance. Having the right insurance plan will help you with better peace of mind. For more information on Travel Shield Super Visa Insurance in Canada or call them at 1-866-517-0606 or visit our Quote Page.

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