subject: How To Get Accurate Super Visa Insurance Quotes [print this page] Information is easily disseminated and acquired today because of the Internet. It has come to a point that even your personal details can be researched online, regardless of whether you posted them yourself or not. It is also very convenient because you do not even need to leave your home to confirm information. For this reason, when people need information about any subject, the first thing they do is to look it up on the Internet.
It therefore makes sense for Canadian visa applicants to look for Super Visa insurance quotes online. It is so much easier to simply search for estimates online as opposed to spending money on international calls to relatives in Canada. This is indeed the most logical course of action, but there are disadvantages as well as advantages to this practice.
One Canadian company, Best Quote Travel Insurance, offers one of the most comprehensive, accurate and honest quotation services available online. I highly recommend them to you, as do my friends, in case youre planning a long trip to Canada.
Searching for Quotes Online
Anyone can easily request an insurance quote over the Web. Most insurance companies are willing to provide free quotes, and all you have to do is to compare the different prices available. The only problem is this: insurance companies are seeking to attract clients on the Internet. It is not that they set out to intentionally deceive people looking for quotes, but they are more likely to present data that will make their policies look more attractive.
The estimates provided on help websites for Super Visa applications are usually based on ideal circumstances. For instance, the premiums quoted for insurance buyers who are applying for Super Visas are only valid for applicants who are in perfect health. Considering that this visa is meant for parents and grandparents (individuals who often have pre-existing medical conditions, if not deteriorating health), the cheapest quotes they receive online seldom represent the final price.
Here are a series of sample insurance quotes arranged by age for a policy providing $100,000 in coverage with zero deductible:
Age Premium
50 $1,190 - $1,460
55 $1,190 - $1,750
60 $1,550 - $1,760
65 $1,825 - $2,120
70 $2,375 - $2,745
75 $2,740 - $2,890
80 $2,740 - $4,030
85 $4,015 - $8,000
90 $8,600 - $10,500
Notice that the prices increase with age. Rates are also more expensive for clients with pre-existing medical conditions than for those in perfect health.
Visa applicants are advised to personally consult with an insurance broker so that they can get more accurate estimates of premiums. It's also the smart thing to do as rates differ substantially between insurance companies.
When shopping for an insurance policy, applicants should not just look at the Super Visa insurance quotes and choose the cheapest offering. They also need to look for a policy that includes the following terms and conditions:
1. A 100% refund should the clients visa application be denied.
2. A prorated refund if the visiting parent or grandparent stays in Canada for less than one year.
3. A policy that covers hospitalization costs, ambulance and other transportation costs, and repatriation.
4. A range of deductibles offering large discounts.
by: Corvin Holmes
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