What is the Visitor Visa Canada?

Unless you are a citizen of a visa-exempt nation, you need a visa to enter Canada as a student, permanent resident, to work or explore Canada.
A visitor visa, also called a temporary resident permit (TRV) or 10 year multiple entry visa, allows holders to stay in Canada for 6 months.

What is the difference between tourist visa and visitor visa Canada?

The tourist visa is intended for sightseeing, exploring Canada, while a visitor visa is intended for visiting family members abroad.
Visitors may also explore Canada under a visitor visa, but most people apply to meet family members.

What is the difference between tourist visa and visitor visa Canada?

Submit the insurance policy with the super visa application as soon as you receive it. Now that they have approved the visa, your parents will land in Canada, and the next instalments will begin from landing.

If you want to change the date of landing, let us know at least 7 days before the intended date of landing. We will adjust the date and the next monthly payments will start from a new date.

Why is visitor insurance crucial?

Thanks to Canada Immigration, they made the insurance mandatory for super visa applications. We all know Canadian healthcare is the best in the world, but it is expensive. God forbid if an uninsured visitor needs hospitalisation. It is very hard to pay for it. Although travel medical insurance is not compulsory for tourist applications, it is a lifesaving utility.

Visiting or exploring: the trip should be secure and peaceful, is another reason for visitor visa insurance or and travel insurance are vital in all cases.

What happens if a tourist or visitor gets sick in Canada?

The Canadian health system is one of the best in the world, but it is expensive. If you get sick or involved in an accident in Canada, the Canadian government will not pay the medical expenses, you need to pay out of your pocket.
As we know health care is expensive in Canada, the hospital bill could be in thousands. The best alternative is health insurance, also called travel insurance or visitor visa insurance.

Good news is you can buy visitor visa insurance online. Click here to get a visitor visa insurance quote or travel insurance quote now.

How much does a doctor’s visit cost to an uninsured?

A doctor’s visit can cost around $150/per visit, whereas the hospital visit could cost in thousands.
The visitor insurance is not that expensive and is a worry free solution.

Which is the best health insurance for visitors to Canada?

All Canadian insurance companies offer the best plans. We have coverages available from $10K to $300K to best fit your needs and budget. The best is fit with in your budget and needs.
We already did shop around for you and filtered out the best visitor visa insurance companies. Just fill in the form below and buy the best coverage.

What is the cost of visitor visa insurance?

The cost of visitor to Canada health insurance for a 30 day trip with $50,000 coverage with 0 deductible for age 40-45 applicants will be $60 to &90. The following factors determine the cost of visitor to Canada’ health insurance:

Health Status:- The coverage is cheaper for healthy travellers, but ‌expensive for pre-existing health conditions.
Age:- It is cheaper for younger ages, as we know the probability of claiming is low in young people.
Amount of Coverage:- The cheapest plan is with $10,000, but most people prefer buying a $100,000 plan.
Number of visitors:- Some companies offer special discounts to groups, family members and dependents.

Can I work with a visitor visa in Canada?

You need a work permit to work in Canada. You can not work on a visitor visa in Canada. As per Canada immigration, a visitor visa holder can not engage in any commercial activity and enter the labour market in Canada.

How can I convert my visitor visa to a work permit in Canada?

You need a job offer from a Canadian employer to convert your visitor visa to a work permit in Canada.
The steps are:
–Apply for a job.
–Get LMIA.
–Apply for a work permit in Canada.

How to apply for a visitor visa to Canada?

You can apply online or offline. For faster processing and accurate filling, it is better to apply online.
Click on the following link for accurate information as per the immigration Canada website:
Visitor Visa Application.

or contact us to apply through an immigration lawyer.

What are the documents required for a visitor visa application?

Basically, you need a passport, proof of funds to support your stay in Canada, and a letter of invitation from your relative in Canada. Apart from it you might need a use of representative declaration form if you are using a lawyer or representative in the application.

How long does it take to get a visitor visa to Canada?

The processing time for a Canadian visitor visa is 15 days, provided your documentation is accurate. It depends upon your country of citizenship and application.

Can I extend my visitor visa in Canada?

Yes, you can apply for a visitor visa extension. You need to apply at least 30 days before the current status expires. We can help you with the application.
There is no statutory limit on the number of times a person can extend the visitor status.

Is the return ticket required for a visitor visa to Canada?

Although it is not a legal requirement, I strongly recommend that you have a return ticket. The officers at the port of entry may ask you for a return ticket.

What is the difference between a visitor’s visa and a visitor’s record?

A visitor visa is a sticker on your passport to enter Canada as a visitor. As per immigration Canada, you must apply from outside of Canada.
The visitor record is a document that immigration officers use to extend or restrict your stay in Canada.

We usually receive a visitor’s record when we apply for a visitor visa extension.

Contact us for further visitor visa questions. Or post your question in the comments.

Canadian Student Studying Abroad

International Student Studying in Canada

Why is the international student insurance required?

It is wise to purchase medical insurance for your own safety, regardless of whether you are studying abroad or travelling. At first, living away from family abroad can make it difficult to bear the burden of education and to take care of oneself. The second problem is the expensive Canadian health care system, making it very difficult for a student to pay for medical treatment with college fees.
Canadian residents are covered by the free health care system, but students and visitors are required to pay; international student insurance or private medical insurance is a suitable alternative.

What is the cost of an international student health insurance plan?

It costs between $600 and $900 for international students to get health insurance in Canada each year. There are many companies offering coverage for around $600 per year, with total coverage of 2 million, and some medical expenses, such as dental treatments, medicines, and physiotherapy, are covered up to a dollar amount.

You can find out the cost of medical insurance for international students by clicking on the link above. International student health insurance plans are also available in group plans. We have the best group policies. Contact us today and start designing a group policy for your students.

Can I get health insurance after getting a student visa?

There is still a chance that you can get insurance even if you arrive here uninsured, but please keep in mind there may be a delay in starting your coverage.
If we buy the policy before landing in Canada, there is no waiting period. Read the policy terms and conditions for further information on waiting periods.

Does a Student Insurance Plan Cover Pregnancy?

There are many international student insurance plans that do not cover the normal birth of a child, but do cover complications during pregnancy. In contrast, some companies offer to $10,000 in coverage for childbirth.

If you are an international student and are planning to have a baby, contact us today for adequate insurance.
Pregnancy insurance has many limitations related to regular checkups, pregnancy weeks, so before buying, carefully read the terms and conditions.
If you buy coverage after pregnancy, it will cover the complications of pregnancy but not the cost of childbirth.

Provincial health care card or health card.

To receive free provincial healthcare services in Canada, you need a health card. Immigrants, work permit holders, and some other status holders may receive health cards from their provincial governments, depending on their eligibility. Do you qualify for a health card? Click the link to find out.

HEALTH CARD APPLICATION

After applying for the first time for OHIP in Ontario, you may have to wait up to three months. After three months, eligible Canadians receive this card, but students cannot apply for it until they have a work permit. As soon as they get a work permit and become eligible, they can get a health card.

How to get a health card?

In each province, we can get health cards from the relevant service providers. In Ontario, for example, one can apply for a health card by showing an acceptable ID.

Do not share your health card with anyone else, because anyone can misuse it and sharing a health card can be a criminal offence.
The Provincial Health Card also has further limitations, as it does not cover dental, vision, physiotherapy, prescription medication, etc. A separate health and dental coverage is available for these services.
I recommend that all students studying in Canada take out international student insurance, as it is difficult to cover the cost of treatment with tuition and living expenses.

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What is critical illness insurance?

A coverage for deadly diseases such as cancer, heart attack, major organ transplant, deafness, coronary bypass surgery, etc. is called critical illness insurance.

An insured receives a tax-free benefit from the insurer if diagnosed with a condition. In Canada, almost all insurance companies offer this coverage for 4 to 25 illnesses.

The policy wordings explains ‌coverage, illnesses, and the payout amount, please read carefully before signing.

Is critical illness insurance worth it?

Yes, this is a protection from unexpected illnesses.

The insurer pays a lump-sum benefit to the insured, upon diagnosis of the critical illness listed in the contract.

This coverage is useful for those who don’t have a comprehensive benefit package from the job. It is also crucial for the people who do not have sufficient savings.

According to statcan, about 30% of illness related deaths are because of chronic diseases.

Which diseases does this cover?

They cover almost all deadly diseases, however there may be a rated underwriting for people with health issues.
Most insurance companies offer coverage against 4 or 25 illnesses. Read your contract or consult us for expert advice.

The most common 25 Illnesses covered are.

• Alzheimer’s disease.
• Aortic surgery.
• Aplastic anaemia.
• Bacterial meningitis.
• Benign brain tumour.
• Blindness.
• Cancer (life-threatening).
• Coma.
• Coronary artery- bypass surgery.
• Deafness.
• Heart attack.
• Heart valve replacement.
• Kidney failure.
• Loss of independent existence.
• Loss of limbs.
• Loss of speech.
• Major organ transplant.
• Major organ failure on the waiting list.
• Motor neuron disease.
• Multiple sclerosis.
• Occupational HIV infection.
• Paralysis.
• Parkinson’s disease.
• Severe burns.
• Stroke (cerebrovascular accident)

Things to keep in mind when buying critical illness insurance.

– Your current financial status.
– Health and age.
– How much coverage are you buying?
– What diseases are you buying for?

We can combine this plan with life insurance. Sometimes, critical illness insurance is available as a package with life insurance for free, which is a great deal.
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How does it works?

The insurer pays lump-sum benefits to the insured upon diagnosis, depending on the contract.

What is the difference between disability insurance and critical illness insurance?

These two types of insurance cover individuals and groups, where disability insurance covers injury-related loss, and critical illness covers illness-related loss.

Can a sick person get insurance for a serious illness?

It is still possible to apply for the coverage if you have been diagnosed with or treated for a critical illness.

Finally, expert advice is very important, because illness definitions are transforming, and our team is here to help you with up-to-date knowledge and expertise

When you cannot work, disability insurance works for you. Besides being tax free, disability payments help protect your savings when you cannot earn a living.

When buying a disability plan, consider‌:-
Benefit Amount – The monthly amount that can be paid out after a claim is called the benefit amount.
Payout Period or Benefit Period – The number of years the disability payments will continue is called the Benefit Period.
Waiting Period – The waiting period is usually the time to receive the first payment after making a claim.

How much disability insurance or benefit amount does you need?

We can determine the benefit amount we need based on our expenses, income, and future needs. We need to cover 60 to 80 percent of our income, and can add a total disability payout for the future needs.
Plans with the smaller disability benefit amounts are comparatively cheaper.
Insurance companies pay based on the taxable income, so buy accordingly. We are here to assist you with your disability insurance needs. We assess your needs and shop around for the best options.

How long is the Disability Benefit Period we need?

Plans are usually available for two years, five years, and up to age 65. The premium of disability insurance depends on the payout period or benefit period, it is cheaper with a short payout period or benefit period.

Although we cannot predict, but we can plan, according to the:-

Risk at job – I will consider long-term disability payout periods if working in a hazardous environment, such as a truck driver or construction worker. A long-term disability payout is more expensive than a short-term disability payout, since it exposed the insurer to a longer-term risk.
You must also consider your health and the way you live your daily life, for example, if you cannot exercise and work a sedentary job.
According to a survey, 90% of disabilities are because of illnesses, so long-term disability plans are better.

What is the disability waiting period?

Waiting between an incident and the first payout is called the wait period. There are three common waiting periods: 0 days, 30 days, and 112 days. A plan with longer waiting periods is comparatively cheaper.
Experts can answer questions about the waiting period, such as why we need minimum waiting periods, when we need longer waiting periods?

What is the cost of disability insurance?

It depends on the following factors.

Coverage Amount – How much coverage you are applying for? It is important to note that you can only receive a disability benefit based on earnings.
The duration of benefit – This is also called the benefit period. Which is for how long should disability benefits last, 2 years, 5 years, or until retirement age?
Waiting time – When the benefits or disability payments start, after 0, 30 or 112 days. If you have employment insurance, choose ‌112 days, because EI pays you for 112 days in case of disability claim.

Age – Disability insurance is usually cheaper for younger ages.
Health – Disability insurance is cheap for the affluent.
Work – Another factor determining disability premium is the nature of your occupation. Risky jobs are more expensive.

How much disability insurance benefits will I get?

A typical insurance company pays up to 80% of your income, so buy it according to your income.
The following table shows income and potential benefits. There are some government disability options available, such as CPP and DCPP, but the qualifying criteria are very restrictive, and the maximum benefit is less than $1500.

Riders on Disability Insurance.

A rider is an add-on with the plan, a disability plan can have the following riders.

Waiver of premium – When an event triggers a waiver of premium, the insurer waives the premium. When you are disabled, they stop collecting the premiums.
Return of premium – If no claim is filed until the maturity date, the insurer can return the premium.
Total disability benefit – The insurer pays an additional benefit in case of total disability.

Disability insurance in a package.

Special packages are available for truckers, construction workers, and other high-risk occupations. We can combine disability insurance with emergency medical coverage for truckers and with sickness coverage for chemical factory workers.

Group disability insurance vs. individual disability insurance

Plan might end when you leave your job – Could be yearly renewable.

Same plan for all members of the group – Individual

Plan will be with you anywhere – Premium remains the same always.

A customised plan according to you – Individual disability insurance premiums remain the same, although most group insurance plans have variable premiums.
There is no choice in group disability plans. You must take what the group offers. You can only choose options in an individual plan – Group plans are comparatively cheaper than individual disability insurance plans.

For truckers, we offer insurance packages, such as disability insurance with life insurance or disability insurance with travel insurance. Talk to our advisor today and protect yourself.
Disability coverage is available for short-term, long-term, and permanent disabilities.

What is term life insurance?

A term life insurance policy lasts for a fixed period, such as 10, 20, 30 or 40 years. The best thing about term life insurance is the price, but the downside is that you will be uninsured after the term ends.

Life insurance policies end with surrender or maturity, not with death, if the insured outlives the term.

Why do we need it?

An affordable form of life insurance can ensure the financial stability of your loved ones after your death, as well as providing you with a good level of security. It will give your family member (beneficiary) a lump sum tax-free benefit they can use for paying taxes, mortgages, loans, and other debts. We can help you determine your term life insurance needs and provide you with the most appropriate policy.

Term Life Insurance vs Permanent Life Insurance.

Coverage for defined period – Comparatively cheaper.

Nowadays, no money back rider is available in term plans – Convertible to permanent and renewable as term plan.

Amount of coverage may decrease over time or can stay level – Coverage for life.

Expensive than permanent coverage – Money back, cash value and investment options.

It is already for whole life, so no need to renew or convert. Coverage may remain the same or increase‌ as per contract.

Types of Term Life Insurance.

There are multiple types of plans, even though it appears to be one.

Annually renewable term:- In the beginning, the premium is lower, but it increases as you get older. Renewable terms are convenient for managing budgets, and if we calculate the total premiums, it is almost similar to level terms.

Decreasing benefit term:- The benefit amount decreases over time. So these plans are an excellent alternative to mortgage insurance, credit coverage, and loans.

Convertible to permanent: – If you change your mind, even after up to five years, you can convert to permanent life insurance. Some vendors carry forward your paid premiums, as per policy provisions. We have excellent offers on such plans.

Riders on term life insurance.

Riders are additions to the policy. In the other words, we can bundle some benefits with the plan. Some most important term life insurance riders are:-

Waiver of premium:- In case an insured of the policyholder becomes disabled, this rider waives the premiums. A waiver of premium rider is available to both policy owners and insureds. Please read the terms and conditions carefully.

Guaranteed insurability rider:- This rider allows you to purchase additional coverage without further medical questions. This rider is useful in all life events, such as marriage, birth of your child, change in your income, and ageing.

Accidental death rider:- This is very useful for breadwinners. It can double the death benefit in case the insured dies in an accident. This rider is the best choice for those working in accident-prone environments, such as truck drivers, construction workers, or those working in mining or heavy metal processing.

More Riders.

Family income benefit rider:- In the event of the death of the insured, the family would receive a steady income stream.

Accelerated death benefit rider:- Upon diagnosis of a terminal illness, the insurer may pay a living benefit amount.

Child term rider:- This rider offers great coverage for the entire family. If a child passes away before a certain age, the insurer will pay the death benefit. Otherwise, they can convert to a permanent plan, as specified in the terms and conditions.

The return of premium rider is almost no longer available; however, some insurers still offer term life insurance with the return of premium. Upon maturity, the insurer returns the whole or partial primum.

Long-term care rider:- The insurance company can pay a monthly benefit if the insured has to remain in long-term care or receive LTC at home.

Do you need term life insurance? Click here to buy now. Talk to us today and protect yourself.