- Never assume your pre-existing conditions are covered.
- Insurers generally look for “medical stability”-meaning no hospitalization, no new treatment or investigations, and no changes in medication for a set period (often 90-180 days depending on the insurer and policy).
- The longer your condition is stable, the lower your premium may be.
- Always review your policy carefully and ask your advisor about coverage for pre-existing conditions.
Avoid Common Pitfalls When Purchasing Super Visa Insurance
Super Visa Insurance is an important investment in your family's peace of mind. Avoid these frequent mistakes to ensure you get the right coverage and avoid unexpected costs or claim issues.
Super Visa Insurance - Rate Comparison
Are You Covered for Pre-existing Medical Conditions?
Common Mistakes to Avoid
- Not Knowing If Your Plan Is Reimbursement or Up-Front Payment: Some plans require you to pay medical bills up front and then submit a claim for reimbursement. Ask your advisor whether your plan is reimbursement-based or pays the provider directly, so you're not caught off guard in an emergency.
- Not Calling the 24-Hour Emergency Hotline: Most insurers require you to call their emergency assistance hotline as soon as possible if you're hurt or sick. If you don't call first, your benefits may be reduced or limited (see your policy wording for details). Always keep the hotline number handy and call immediately in an emergency.
- Relying on Credit Card “Travel Insurance”: Many credit cards offer limited coverage that may not meet Super Visa requirements-always check the certificate of insurance. Credit card coverage is often limited and may not provide full protection for your visit to Canada.
- Non-Disclosure of Facts: Always provide full, honest medical disclosure when applying. Withholding information can void your policy or result in denied claims. Don't buy a cheaper policy by hiding medical facts.
- Not Consulting a Trusted Insurance Professional: Work with a licensed insurance advisor who can explain all options, advocate for you during claims, and help you make the right choice. Don't buy based on an ill-informed recommendation.
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Sep 18, 2025
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Make the right choice by avoiding common mistakes when purchasing Super Visa Insurance. Since this coverage plays a crucial role in protecting your family's peace of mind, understanding these common pitfalls can help you secure the right plan, prevent unexpected costs, and ensure a smooth claims experience.
Disclaimer: Information on this page is for general guidance only and not a substitute for professional advice. Please consult a licensed Punjab Insurance advisor for personalized recommendations.