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Destination Travel Super Visa Insurance

Are you looking for the best Super Visa insurance for a parent or grandparent visiting Canada? Look no further than Destination Travel Group Inc.’s Super Visa insurance plans. These plans offer comprehensive medical coverage for Visitors to Canada, with flexible monthly payment options to fit your budget. A major benefit that sets Destination Travel apart is its side-trip coverage – if you want to travel outside Canada during your visit (for example, a short trip to the U.S.), you’re covered as long as at least 51% of your trip is spent in Canada. In this article, we provide an informative and detailed look at Destination Travel’s Super Visa insurance, including key benefits, coverage for pre-existing conditions, waiting periods, and how to get a Destination Travel insurance quote.

Why Choose Destination Travel for Super Visa Insurance?

Choosing the right travel insurance provider is crucial for your peace of mind. Destination Travel Group Inc. is a leading travel insurance provider in Canada with over 30 years of experience zurichcanada.com. Their Super Visa insurance plans are underwritten by Zurich Insurance Company Ltd (Canadian Branch) – a globally renowned insurer known for reliability and excellence. This partnership means you get high-quality medical coverage backed by a trusted name, along with 24/7 emergency assistance through Zurich’s network. With Destination Travel’s Super Visa insurance, you can rest assured that your parents or grandparents will have the protection they need while visiting Canada. Another reason to choose Destination Travel is the flexibility of their plans. They offer two plan options – one that covers pre-existing medical conditions (subject to stability requirements) and one that excludes pre-existing conditions for a lower premium. This allows you to select coverage tailored to your family’s health needs and budget. Visitors to Canada insurance is also available in various coverage amounts to meet the Immigration Canada Super Visa requirements of at least $100,000 in health insurance coverage for a minimum of one year
. In fact, you can choose coverage limits ranging from as low as $10,000 up to $300,000, satisfying Super Visa criteria and providing extra protection if desired. Finally, Destination Travel stands out for its customer service. Their expert team (and our advisors, if you purchase through us) will assist you at every step – from selecting the right plan and getting a quote to guiding you through the claims process if you ever need to use the insurance. Now, let’s look at the detailed benefits included in their Super Visa insurance plan.

Coverage and Key Benefits Summary

Destination Travel’s Super Visa insurance is a Visitors to Canada Emergency Medical Insurance policy packed with extensive benefits. Below is a summary of what is covered under their plan:

• Maximum Sum Insured Options: Choose from coverage amounts of $10,000, $25,000, $50,000, $100,000, $150,000, or $300,000 to match your needs and Super Visa requirements. (Note: Super Visa applicants typically require at least $100,000 coverage for one year.)
• Emergency Hospitalization: Coverage for hospital stays with semi-private room accommodation in the event of an emergency.
• Emergency Medical Services: Covers the services of medical professionals including physicians, surgeons, and anesthetists during a medical emergency.
• Diagnostic Tests: Includes necessary lab tests and X-rays required for diagnosing and treating an emergency medical condition.
• Ambulance Services: Covers licensed local land or sea ambulance transport to the nearest appropriate hospital during an emergency.
• Private Duty Nurse: Pays for the services of a registered private nurse, up to $10,000, when medically necessary during hospitalization or recovery.
• Medical Appliances: Covers the rental of medical appliances (such as wheelchairs, crutches, or hospital beds) when prescribed by the attending physician.
• Prescription Drugs or Medications: Up to $1,000 for prescription medications, limited to a one-time 30-day supply per prescription, to treat an eligible emergency condition.
• Professional Services: Covers paramedical services like physiotherapist, chiropractor, chiropodist, osteopath, or podiatrist, if ordered by the attending physician, up to $500 per practitioner for outpatient treatment.
• Emergency Air Transportation / Repatriation: If medically necessary and pre-approved by Zurich Travel Assist, the plan covers air ambulance or emergency air transportation to transfer you to another medical facility or to return you home for further treatment. This includes the cost of a medical attendant if required.
• Transportation of Family or Friend: If you are hospitalized, the plan covers up to $3,000 to bring one family member or close friend to your bedside (covering their round-trip economy transportation), plus up to $1,000 for their meals and accommodation during their stay.
• Follow-up Visits: Up to $3,000 for follow-up visits within Canada after the initial emergency, when these visits are directly related to your medical emergency and are pre-approved by Zurich Travel Assist.
• Accidental Dental: Up to $3,000 for emergency dental treatment to repair natural teeth if you suffer an accidental blow to the face.
• Dental Emergencies (Pain Relief): Up to $500 for immediate relief of acute dental pain caused by a condition other than a blow to the face (e.g., sudden toothache).
• Meals and Accommodation: If you are hospitalized as an inpatient due to an emergency, the plan will reimburse up to $150 per day (to a maximum of $1,500) for extra expenses of your accompanying family member (or of the insured, if required to move for treatment) such as meals and hotel accommodation.
• Emergency Return Home: Up to $3,000 for the additional cost of a one-way economy airfare to send you back to your home country (or to Canada, for a Canadian resident) if medically necessary after an emergency, and if approved by the assistance provider.
• Repatriation (Return of Deceased): In the unfortunate event of death, covers up to $10,000 to return your remains to your home country, or up to $4,000 for cremation or burial at the place of death in Canada.
• Accidental Death & Dismemberment: Provides a benefit up to the maximum sum insured (to a maximum of $150,000) for loss of life, limb, or sight resulting from an accident during the covered trip. This is a lump-sum payout separate from medical expenses.
• Air Flight Accident: Coverage up to $50,000 for accidental death or dismemberment if the insured is in an accident as a fare-paying passenger on a commercial flight.
• Side Trips Outside Canada: Coverage is extended during side trips outside Canada (including trips back to your home country or elsewhere) for up to the maximum policy limit, as long as over 51% of the coverage period is spent in Canada. This means you remain protected during short excursions abroad while primarily visiting Canada.
  
  

As you can see, Destination Travel’s Super Visa insurance provides robust coverage for virtually any medical emergency that could arise during a visit to Canada. From hospital bills to follow-up care, and even ancillary costs like bringing a family member to help during a medical crisis, the plan is designed to minimize financial burdens on visitors and their Canadian hosts. These benefits not only meet the Super Visa insurance requirements but go above and beyond in many cases, offering comprehensive protection and peace of mind.

Coverage for Pre-Existing Medical Conditions

One of the key choices you’ll make when buying Super Visa insurance is whether to include coverage for pre-existing medical conditions. Destination Travel offers two plan options: Option 1 (with pre-existing condition coverage) and Option 2 (without pre-existing coverage). If you opt for pre-existing condition coverage, certain conditions that existed before your trip can be covered as long as they have been stable for a required period before the policy’s effective date. If you choose the option without pre-existing coverage, any pre-existing conditions are excluded from coverage (which often makes that option more affordable). What does “stable” mean? Generally, a condition is considered stable if there have been no new symptoms, no changes in medication or treatment, and no new consultations or referrals for that condition during the stability period prior to the policy start date. The required stability period with Destination Travel’s plan depends on the age of the insured:

• Ages 0 to 59: Option 1 covers pre-existing conditions that have been stable for at least 90 days before the effective date. (Option 2 would exclude all pre-existing conditions for this age group.)
• Ages 60 to 69: Option 1 covers pre-existing conditions if stable for at least 120 days before the effective date. (Option 2 excludes all pre-existing conditions for 60–69 as well.)
• Ages 70 to 79: Option 1 covers pre-existing conditions if stable for at least 180 days before the policy start. (Option 2 excludes all pre-existing conditions for 70–79.)
• Ages 80 and over: No pre-existing condition coverage is available for travelers 80+ years old. In this age bracket, only Option 2 (which automatically excludes pre-existing conditions) is offered.

These flexible options make Destination Travel’s insurance suitable for a wide range of visitors. Younger visitors or those with well-controlled conditions can opt for coverage of pre-existing issues, while others may choose to exclude pre-existing ailments to save on premium. Always carefully review the policy’s definition of stable and the medical questionnaire (if any) to ensure you understand what conditions would be covered. If in doubt, our team can help clarify the best option for your situation.

Waiting Period for Sickness Coverage

It’s always recommended to purchase travel medical insurance before arriving in Canada or to start coverage on the day you land, to avoid any waiting period. However, Destination Travel does allow you to buy coverage even after your arrival in Canada. In such cases, a short waiting period will apply for illness (sickness) claims to prevent insuring already sick individuals. Accidents are typically covered immediately even during the waiting period, but any sickness that begins during the waiting period will not be covered.

The waiting periods for Destination Travel Super Visa insurance are:

• No Waiting Period: If you purchase your policy before arriving in Canada or on the day of arrival, coverage is effective immediately with no waiting period for sickness. You are covered from day one of the policy.
• 48-Hour Waiting Period: If you purchase the insurance within the first 30 days after arriving in Canada, there is a 48-hour waiting period from the effective start date of the policy for any sickness coverage. (For example, if you landed in Canada and a week later you buy this insurance, any illness that begins in the first 48 hours after the policy start won’t be covered.)
• 10-Day Waiting Period: If you buy the insurance more than 30 days after your arrival in Canada, the waiting period for sickness claims extends to 10 days from the policy’s start.
  

There is an important exception:

Waiting Period Waiver. If you already had a valid health insurance policy in place and are simply switching to Destination Travel’s plan (for example, you initially bought a shorter temporary policy and then decided to extend with a new plan), the waiting period can be waived. To qualify for waiving the waiting period, you must purchase the new policy before the old one expires, ensuring no gap in coverage. Under those circumstances, coverage with Destination Travel would be continuous. In summary, try to arrange your Super Visa insurance as early as possible (ideally before your relative arrives in Canada) to get immediate coverage and avoid any waiting period worries. But even if you are purchasing after arrival, knowing these rules will help you manage the timing and avoid any surprises.

Flexible Monthly Payment Plan

One standout feature of Destination Travel’s Super Visa insurance is its flexible monthly payment option. Super Visa applicants are required to purchase insurance coverage for a full year upfront, which can be a large expense. Destination Travel eases this burden by offering a monthly installment plan for those who qualify. Here’s how it works and why it’s beneficial:

• Affordable Installments: Instead of paying the entire annual premium at once, you can pay in monthly installments. This makes it much more affordable for many families. Note: To utilize the monthly payment plan, the policy must typically have a minimum coverage amount (e.g. $50,000 or $100,000) and a minimum duration (usually 6 months or more). The first payment will include a deposit equal to two months’ premium (often referred to as the first and last installments). This upfront payment is required at the time of purchase to activate the plan. After that, the remaining monthly payments will be charged each month, typically starting when the insured person arrives in Canada.
• No Interest Financing: The monthly payment option is not a loan or finance plan, but rather an in-house installment plan. You pay a small administrative fee (already built into the installment plan – for example, a 10% surcharge may apply for choosing monthly payments) but you do not pay traditional interest as you would on a loan or credit card. This keeps the cost reasonable while spreading payments out.
• Flexibility and Cancellation: What if your plans change? Destination Travel’s policy is refundable for unused months under certain conditions. For instance, if your visitor returns home earlier than planned, or if they become a permanent resident and obtain provincial health coverage, you can cancel the remaining coverage and get a refund for the unused days/months (provided no claims have been made during the covered period). If, for some reason, Immigration Canada denies your Super Visa application after you’ve purchased the insurance, you are eligible for a full refund of the premium paid, since the insurance was never used. (Documentation of the visa refusal will be required.) However, keep in mind that if there has been a claim on the policy, typically no refund will be issued for the unused portion. Always review the refund policy details in the insurance plan documentation.

By accommodating your financial needs, the monthly payment plan ensures you don’t have to break the bank to secure quality health insurance for your loved ones. It’s a testament to Destination Travel’s customer-first approach, making the Super Visa insurance process smoother and more accessible.

Experience the Destination Travel Group Inc. Difference

When you choose Destination Travel Group Inc. for Super Visa insurance (through our agency), you’re not just buying an insurance policy – you’re gaining a supportive partner. We work closely with Destination Travel to deliver exceptional service and support throughout your insurance journey. Here’s what you can expect from the Destination Travel (and our) experience:
Expert Guidance: Our knowledgeable insurance advisors will help you select the right plan option (with or without pre-existing condition coverage) and coverage amount based on your family’s needs. We understand the Super Visa requirements and will ensure your policy meets those criteria. Any questions you have about benefits, exclusions, or how the plan works will be answered in clear terms.

• Easy Quote and Application Process: Getting a quote is simple – you can use our online quote tool or call us for personalized assistance. The online system provides an instant Destination Travel insurance quote when you input the traveler’s age, the desired coverage amount, and travel dates. Once you’re ready to purchase, the application can be completed electronically. Monthly payments can be set up conveniently as well.
• Claims Assistance: In the unfortunate event that you need to make a claim, we’re here to help. Destination Travel’s plans come with the backing of Zurich Travel Assist, which provides 24/7 emergency assistance. You or your family can call the emergency hotline anytime to get help finding a medical facility or to coordinate the claim directly with the hospital so you’re not out-of-pocket. Our team can also guide you through filing any necessary paperwork for claims or refunds. We pride ourselves on customer service, ensuring you receive prompt and compassionate support every step of the way during what can be a stressful time.
• Ongoing Support: Even after the policy is issued, we remain at your service. Need to extend coverage, make changes to the policy, or have questions while in Canada? We’ll assist with policy extensions or adjustments (subject to eligibility) and answer any questions that arise during the insured period. We want your experience to be worry-free so you can focus on enjoying precious time with your family visitors.

At Destination Travel Group Inc., your peace of mind is our utmost priority. We understand the importance of family visits and the reassurance that comes from knowing your loved ones are protected by a reliable insurance plan. Our commitment to excellence and personal support is what truly makes the difference.

Get Your Destination Travel Insurance Quote Today

Why risk traveling without proper medical coverage? A medical emergency can happen anytime, and the costs in Canada can be very high for visitors. With Destination Travel’s Super Visa insurance, you can travel with confidence knowing that you have a safety net for health emergencies. Now is the time to secure this protection for your parents or grandparents so that their visit is safe and stress-free. Getting a quote is easy: simply click on the “Get a Quote Now” link at the top of this page or visit our quote portal to compare plan options and prices. You can also contact us directly for personalized service – our team will happily walk you through the quote and purchase process, ensuring all your questions are answered. In addition to insurance, we aim to simplify your overall travel planning. We also offer cheap flights and can help you find great deals on airfare for your family’s trip to Canada. Feel free to visit our home page to explore flight options and save on your travel costs. Destination Travel Group Inc. is your trusted partner for comprehensive Super Visa insurance and more. With plans underwritten by Zurich and tailored to your needs, plus flexible payment options and unparalleled customer support, we’ve got you covered. Don’t wait – secure your Super Visa insurance today and welcome your loved ones to Canada with the peace of mind they deserve. We work with many of Canada’s leading Super Visa insurance companies, and Destination Travel’s plan is one of our top recommendations for its balance of value and coverage. Let us help you make this important part of the journey smooth and worry-free. Safe travels, and we look forward to assisting you!

More Insurance Products from Destination Travel

In addition to their popular Super Visa insurance, Destination Travel Group Inc. also offers a wide range of travel insurance solutions to meet the needs of various travelers. Their products include comprehensive Visitors to Canada insurance for tourists and family members, International Student insurance for those studying in Canada, and Canadian Student insurance for those pursuing studies abroad. For Canadians traveling outside the country, they offer the Leisure Plan for vacationers, the Snowbird Plan for long-stay winter travelers, and the Expatriate Plan for Canadians living overseas. Whether you’re visiting, studying, or exploring the world, Destination Travel has a specialized plan designed to keep you protected and worry-free.

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