加拿大最齐全的超级签证保险报价 | Super visa insurance, Visitors to Canada insurance, Seniors travel insurance, Snowbird medical insurance

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家庭报价仅限于60岁以下的父母和监护人以及21岁以下的受抚养子女。

加拿大最齐全的超级签证保险报价

Canada's new Super Visa: health insurance required.

Super Visa Insurance: Getting the Best Quote

超级签证(Super Visa)是加拿大移民局于2011年12月1日出台的签证项目。此签证允许加拿大公民和永久居民的直系父母或祖父母来加拿大探亲。签证有效期10年,每次停留期长达2年。如要申请加拿大超级签证,申请人必须有在加国的直系子嗣作为担保人,同时他们必须持有枫叶卡或者是加国公民

根据加拿大移民局(CIC)的有关规定,申请超级签证递交申请材料时必须同时提交购买私人医疗保险的证明,对该医疗保险的要求如下:

a) 保险必须购于加拿大的保险公司;
b) 保额需十万加元($100,000) 或以上;
c) 保期为一年;
d) 
保险必须承保医疗费用(Health Care), 住院费用(Hospitalization)和遣送回国费用(Repatriation);
e) 每次在加国停留时间超过半年都必须在入境前购买此类医疗保险。

加拿大法律规定为了确保公平竞争,保险公司销售保单的价格不得低于旗下经纪销售的价格,但是不同的保险公司可以通过不同方式定制自己的价位。为了能够让我们的顾客享受最优惠的价格,在过去的几年时间里我们的团队竭尽全力网罗全加拿大所有主流保险公司的超级签证保险。目前本网站(BestQuote Travel Insurance)提供所有网上平台里最齐全的超级签证保险选择。

您可以通过使用网页左方的估价表获取免费保险报价。每份保险除了附有保险合同以供参考,我们还精心准备了保单概要。另外每次获得估价以后,我们还会把估价链接通过电子邮件发送给您,方便日后调阅。整个过程中,如果您有任何疑问,请拨打北美免费热线1-888-888-0510。我们将有专业的中文顾问为您做出解答。

如果您对我们提供的保险感到满意,您可以直接在报价页面上购买该保险。保单会通过电子邮件以PDF文档的形式在认购后的一个工作日内发送。

需要超级签证保险? 我们可以帮您.

加拿大的超级签证允许父母和祖父母一次访问并在加拿大境内旅行长达两年,只要他们在整个逗留期间都有所需的超级签证保险。

自2011年“父母与祖父母超级签证”成立以来,我们通过电话提供免费即时在线报价和有用的建议,帮助数百名新申请人获得保险。作为一个成功的经纪人,我们提供公正的建议,以便旅行者可以选择适用于他们的旅行计划和健康状况的保险 - 无论是加拿大客户还是加拿大游客。

申请人必须满足几个超级签证要求,超级签证保险只是一个。根据年龄,所需的保险费用可能很高。这就是为什么它需要获得即时报价并比较所有加拿大保险公司,以了解更低成本的选择。这就是我们开始为您服务的地方。我们提供最广泛的政策选择 - 其中一些仅适用于像我们这样的专业旅行保险经纪公司 - 我们会立即在一个页面上引用它们。

但我们不止于此。我们通过在报价页面上总结您的功能和优势,并允许您更改报价中的免赔额或保险金额来查看价格将如何变化,从而轻松地比较政策。请致电我们,了解免赔额的工作原理,退款政策和行政费用的问题,或哪种政策提供最佳保障。新购买者应致电寻求帮助。对于那些第二次或第三次购买超级签证保险的人,您可以在线轻松找到这些信息。我们的报价格式非常用户友好。

为了使我们能够极具竞争力和公正性,我们汇总了加拿大所有超级签证保险提供商的详尽选择 - 我们目前有更多的政策可供选择,而不是加拿大的任何其他在线经纪人!而且,通过监管,我们拥有与保险公司本身或其他经纪商提供的完全相同的价格。加拿大经纪人无法在价格上竞争(回扣佣金是非法的),但保险公司却这样做。因此,找到一个好的价格意味着要寻找最广泛的公司选择,这就是我们为您所做的。我们根据更广泛的政策选择,以及我们的质量建议和客户服务,与其他经纪商(其中大多数不是旅游保险专家)竞争您的业务。

立即免费研究加拿大的超级签证保险选项:

通过填写报价申请表,您可以在报价演示页面上显示您可以查看和比较的大多数有用的政策信息(价格,优惠,重要的二级福利,退款政策等)。这个页面的左上角。如果您来到这个网站研究您的超级签证保险选项,如果没有报价,您就无法做到这一点!

在此屏幕的左侧,选择“超级签证保险”,输入日期(现在可以估算,然后在签证批准后更改为确切的到达日期)并提供旅行者的出生日期,报价将立即显示 - 我们我们也会通过电子邮件向您发送一个回复您的报价的链接以供将来参考。如果您在收到报价时遇到任何问题,或者您想询问有关保险范围或政策详情的具体问题,请随时致电我们(1-888-888-0510)。在线购买后,一旦您的购买被处理,您的(或您的父母/祖父母)将收到一份副本,以便打印并随申请一起提交,并随身携带。显示入境口岸官员。

加拿大或其加拿大朋友或家人的访客可以获得旅游保险报价,比较政策和在线购买,或者如果您有任何其他问题,请拨打免费电话,拨打北美地区的1-888-888-0510; 1-604-259-2544,1-403-800-1582或1-647-799-2032(北美以外)。

超级签证保险参考价目表 (2019年1月)

BestQuote super visa insurance rates:

通过下面的列表,您可以了解到目前BestQuote代理的所有超级签证保险中的最低市场价格

表一: 不承保慢性病保险*; $10万加元保额

年龄               $0 垫底费            or            $1000 垫底费    
---------------------------------------------------------------------------
45-60           $1197.20                           $  957.76 
61-64           $1405.25                           $1124.20      
65                $1562.20                           $1249.76    
66-69           $1795.80                           $1436.64   
70                $1908.00                           $1526.40  
71-74           $2471.05                           $1976.84
75                $2963.80                           $2371.04 
76-79           $2967.45                           $2373.96 
80-84           $3814.25                           $3051.40
85-89           $4485.85                           $3588.68
90+              $5292.50                           $4234.00 


表二: 承保稳定慢性病保险*; $10万
加元保额

年龄               $0 垫底费            or            $1000 垫底费    
----------------------------------------------------------------------------

45-54             $1540.30                         $1232.24 
55-59             $1591.40                         $1273.12 
60                  $1624.25                         $1299.40 
61-64             $1817.70                         $1454.16 
65                  $1890.70                         $1512.56 
66-69             $2168.10                         $1734.48 
70                  $2219.20                         $1775.36 
71-74             $3467.50                         $2744.80 
75                  $3573.35                         $2858.68   
76-79             $4230.35                         $3215.65 
80                  $5522.63                         $3384.28 
81-85             $5522.63                         $4207.72 

86+                N/A

* 此价目表不包含承保部分稳定慢性病保险的价格。想了解更多关于慢性病的保障,请参考 Visitors to Canada - pre-existing medical conditions coverage

 

2011年11月,为了缓解累计已久的父母和祖父母团聚类移民申请,加拿大移民部 (CIC) 宣布两年内不再接受新的申请。取而代之的是一项新出台的签证-超级签证。这种前所未有的签证允许持证人10年内多次入境加拿大,且每次最多可以在加拿大停留两年。如此一来,即便非移民也不需要密集的于加国和原居地之间奔波。

Click here or on the image below to visit the most recent CIC super visa information page.
CIC Information on super visa
2014年2月,CIC 宣布了重新制定后的签证收费标准。单次往返和多次往返签证的费用都调整到了$100加元。经过这样的一次调整,超级签证又显示出了它的另一个优势:普通多次往返签证在申请时需收$100加元签证费,如果签证需要续期会再次征收此费用;超级签证每次入境可停留两年,基本不会出现需要续签的情况,因此只需付一次签证费。

申请普通多次往返签证和超级签证时,最大的不同是普通多次往返申请人不需要出示私人保险证明,而超级签证申请人需购买为期一年的私人医疗保险。即便如此,当多次往返签证到期以后申请续签时,CIC往往会要求申请人购买保险作为续签条件之一。

Purchasing appropriate health insurance for Super Visa holders

我们的服务器经过PCI安全认证,除了使用上更快捷简便,信用卡付款的安全性更得以保障。

关于超级签证保险的常见问题与解答

 

问: 如果在我购买了超级签证保险以后,我父母没有来加拿大,是否可以退全款?

答:  要视情况而定。如果是拒签的情况下,只要在保单尚未生效前申请退款,都是可以全款退还的。如果保单已经生效,保险公司会根据情况做出评估。如果没有遭到拒签,而是自行决定不来加拿大,根据选择的保险公司的不同,一般会收取一定数额的手续费。个别保险公司甚至不允许在这种情况下进行退款。


问: 如果我为父母购买了一整年的保险,可是他们只居住了几个月就回到原居地,剩余的部分能退款吗?
答: 
在没有申请过理赔的情况下,保险公司会在收取手续费的前提下同意把未使用的部分(未用天数)退还。我们在估价页面的每份保单上都注明了手续费的数目。如果在购买保单之前,您的父母或祖父母已经决定不会在加拿大住满一年,我们建议您选择一份手续费较低的保险。


: When I buy a policy from BestQuote's website or over the phone with BestQuote, do I end up paying extra fees or incurring extra costs? Why wouldn't I just call the insurance company directly?
:
We don't charge any extra fees. The prices on this website are same that you would get directly from the insurance company, or from another broker for the same policy. Canadian insurance regulations don't allow the insurance companies to charge different rates than brokers, and brokers can't charge extra fees over and above the advertised rates. Nor can brokers rebate part of their commissions and compete against each other based on price. The regulators want to prevent that because 'cutting out the middleman' has proven to not be in the public's best interest.

We have had customers call us after they have tried dealing directly with insurance company representatives that didn't explain important options, or 'didn't mention' important details that would effect coverage - usually dealing with pre-existing conditions coverage. The insurance company representatives are paid to sell what the company has to offer - even if it doesn't fit the customer's situation.

By using us as your broker, we work on your behalf to find you the best policy and to help you manage the decisions around your insurance choices. We offer many different policies from Canada's top insurance companies for you to have a wider range of coverage choices, and so you can conveniently compare prices and coverage details to help come to a good decision. And we'll help change dates, get extensions, and advise you during refund or claim time if you need extra advice - something that the insurance claims adjuster won't do.

We've worked hard to build our website database, which hosts more super visa insurance options than any other online resource in Canada - earning your business by helping you during your purchase decision. If you find the website and our toll-free (1-888-888-0510) answers helpful, we'll appreciate you choosing us as your agent.

: Can I buy a policy from an insurance company in my parents home country?

Super Visa requires proof of insurance at port of entry答: The Canadian government has indicated that applicants must show proof of private Canadian health insurance, so using insurance from a country not regulated by Canadian authorities would jeopardize the chances of getting the visa application approved. Don't take that risk!

Also, Canadian medical providers prefer to work with Canadian insurance companies. There is direct billing between hospitals and the Canadian insurance companies. In the event that you have to pay for expenses and then file a claim, Canadian insurance companies will have a faster claim procedure as they can verify Canadian medical expenses faster than providers in foriegn countries (so you get reimbursed faster).

And, Canadian insurance companies are regulated by Canadian regulators, at some of the very highest standards around the world. In fact, they are also re-insured by Assuris - a Canadian government agency that will cover up to $60,000 of medical expenses in case a Canadian insurance company becomes insolvent. Not that that is likely, but it's nicer to know that you are insured no matter what happens. For proof of insurance at immigration/entry time, paperwork is best shown in English or French.

: Who is eligible for Canada's super visa?
: Here's the exact answer provided on the government of Canada website:
Parents and grandparents of Canadian citizens or permanent residents who have been found admissible to Canada and meet some other conditions are eligible for the Super Visa. 
Visa officers consider several factors before deciding if the person is admissible.  This means they are a genuine visitor to Canada who will leave by choice at the end of their visit. Among the things that could be considered are:

•the person’s ties to the home country,
•the purpose of the visit,
•the person’s family and financial situation,
•the overall economic and political stability of the home country, and
•invitations from Canadian hosts.

In addition to being found admissible to Canada, the parent/grandparent must also:
1) provide a written commitment of financial support from their child or grandchild in Canada who meets a minimum income threshold;
2) prove that they have bought Canadian medical insurance for at least one year to cover the period of time that they will be in Canada; and
3) complete an Immigration Medical Examination (IME).

For more information please visit the Canadian government website concerning details about the new Super Visa.

问: On the blue quote request form, BestQuote refers to visitors insurance and super visa insurance as emergency medical insurance, so do these policies cover regular checkups or only emergencies?
答: Visitors to Canada insurance covers medical expenses and other expense benefits related to accidental injury and sudden 'unforseeable' illness, and does not cover discretionary (when you choose to go) medical expenses that are not of an urgent nature. So for example, regular checkups are not covered, nor are vaccinations, medications or professional services of a therapist, etc. If a person is defined as being covered for emergency situations related to a pre-existing medical condition (i.e. high blood pressure), they will be covered in the event of an emergency - but not covered to go in and get the condition monitored.

问: What amount of Visitors travel medical insurance should I purchase?
答: Hospital costs for visitors to Canada can amount to well over $3,000 per day, and air ambulance charges to return you home could very easily be in the ten's of thousands of dollars. The minimum purchase for application purposes has been set at $100,000, although sometimes a $150,000 policy could be even lower cost (we have a discount policy available under age 60), or provide more peace of mind. 

问: Can I purchase a policy for my family members who are planning to come for a visit?
答: Yes. Anyone can purchase a visitors insurance policy on behalf of someone coming to Canada. In fact, you should know that if a person is coming to Canada and you have sponsored their stay, you will be responsible for their medical bills if they cannot pay for them. So even if they don't want to pay for higher coverage, you might want to buy it for them anyway. 

: Are there any discounts for two or more travellers buying at the same time?
答: Some company's do offer discounts for companion travel, or larger group travel insurance policies. Your quote will determine if such a discount applies.   

: If I have a pre-existing condition, can I get coverage for that with visitors insurance?
答: Maybe. It depends on the pre-existing condition, and the terms and conditions of the policy. Some insurance companies offer plans that cover pre-existing conditions as long as they have been stable for a certain period of time (usually 6 months) before departure from your home country. Sometimes, pre-existing conditions will not be covered. It is important to read your entire policy to make sure you are aware of the definitions affecting coverage, as well as the possible exclusions that may apply.

Only some of the available plans will cover pre-existing medical conditions such as diabetes, highblood pressure, heart conditions, etc. Other policies, while they do cover stable pre-existing medical conditions, use strict eligibility questions to screen out applicants (for example, no coverage available if you use an ICD (pacemaker), oral steroids for lung conditions, diagnosis of stroke, blood clots, congestive heart failure or heart murmur in past 12 months, etc.). For a direct comparison of the exclusions concerning pre-exisiting medical conditions, click here to compare policy wording and stable periods.If you have any questions about your pre-existing conditions and obtaining coverage, please contact us.

问: Is my father allowed to bring in a year's supply of his prescription medication?
答: There are some restrictions that the Canadian government sets out regarding importing prescription medications (whether you are a Canadian citizen, or a visitor): Generally, you are limited to bringing two 90 day (total 180 day supply): Government website

So, trying to bring in a whole year's supply may cause some problems at the border.

问: Do I have to take a medical test before I can buy Visitors to Canada insurance?
答: No. There is no medical exam required prior to purchase. There may be some medical questions that are asked as a part of your online application. You must answer all questions truthfully, as not doing so may void (cancel) your coverage. If you have to submit a claim, the insurance company will investigate to determine if your condition was a pre-existing one, and/or whether you were truthful on your application. Separately, as part of the super visa application process, applicant's are required to complete a medical assessment, but that is not a requirement for buying the insurance.

We have lot's more information on our Q&A information for Visitors to Canada page.

Visitors to Canada or their Canadian friends or family can get a travel insurance quote, compare policies and purchase online, or if you have any further questions please call toll free for assistance at 1-888-888-0510 in North America; 1-604-259-2544 or 1-647-799-2032 (outside North America).

By Bob Hornal

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