Canada’s Super Visa program has become a popular route for parents and grandparents of Canadian citizens or permanent residents to stay in the country for extended periods. However, one common concern arises with older applicants: “Can I get Super Visa Insurance if I am over 85 years old?” The good news is — yes, it is possible. With the right guidance and provider, individuals over 85 can still obtain comprehensive Super Visa Insurance. Gurinder Chahal at Punjab Insurance Inc is here to walk you through the process and help you find the most suitable plan for your unique needs.
Understanding the Super Visa Insurance Requirement
To qualify for a Super Visa, applicants must meet several requirements — and one of the most critical among them is proof of medical insurance coverage. The Canadian government mandates that:
- The insurance must be from a Canadian insurance company.
- It should offer a minimum of $100,000 in coverage.
- It must be valid for at least one year.
- It should include coverage for healthcare, hospitalization, and repatriation.
- Proof of payment (not just a quote) must be shown.
These requirements are in place to ensure that aging visitors are protected during their stay in Canada and that their families are not burdened with unexpected medical expenses.
Challenges of Super Visa Insurance for Seniors Over 85
While getting Super Visa Insurance over 85 is possible, there are certain challenges involved:
- Limited Insurance Options: Many insurance companies have age limits, and some may restrict coverage beyond 85 or 89 years.
- Higher Premiums: As age increases, so does the health risk — resulting in higher insurance premiums.
- Pre-Existing Conditions: Coverage for pre-existing medical conditions becomes more restrictive and might not be included without additional underwriting or surcharges.
- Medical Questionnaires: Most providers require detailed health assessments, and coverage may vary based on the results.
Despite these challenges, specialized insurance brokers like Gurinder Chahal at Punjab Insurance have access to policies tailored for seniors, including those over 85.
How Punjab Insurance Can Help Seniors Over 85
At Punjab Insurance Inc, we understand that every individual’s health, age, and financial situation is different. That’s why Gurinder Chahal and his team offer customized Super Visa Insurance solutions for seniors of all age groups — even beyond 85.
Here’s how we can help:
- Access to Multiple Providers: We work with a network of reputable Canadian insurance providers that offer policies for seniors over 85.
- Tailored Coverage: We help you select the best plan that fits your health needs and budget, with or without pre-existing conditions.
- Expert Guidance: Our licensed insurance advisors assist in completing medical questionnaires, comparing quotes, and explaining coverage limitations.
- Flexible Payment Options: Choose between monthly or annual payment plans to make coverage more affordable.
- Hassle-Free Claim Support: In case of a claim, our team is here to guide you through the process, ensuring fast and smooth settlements.
Key Features of Super Visa Insurance for 85+ Applicants
When choosing a Super Visa Insurance plan for someone over 85, here are some features to look for:
- Guaranteed Acceptance Plans: Some policies don’t require a medical questionnaire and are available regardless of health history — ideal for very elderly individuals.
- Plans With or Without Deductibles: Selecting a deductible can reduce your premium, but it also means paying more out-of-pocket during claims.
- Pre-Existing Condition Coverage: Some insurers cover stable pre-existing conditions (e.g., controlled diabetes or hypertension).
- 24/7 Emergency Support: Ensure the policy offers 24-hour medical assistance and claim support worldwide.
Cost of Super Visa Insurance Over Age 85
The cost of Super Visa Insurance for individuals over 85 varies widely based on:
- The chosen coverage amount (typically $100,000 or more)
- The applicant’s health condition
- Whether pre-existing conditions are covered
- The deductible selected
- Duration of stay in Canada
On average, premiums for applicants over 85 can range from $250 to $400+ per month, depending on these variables. This is why working with an experienced broker like Gurinder Chahal is crucial — we compare rates from different providers to help you get the most value for your money.
Why Choose Gurinder Chahal at Punjab Insurance?
Navigating insurance for elderly family members is no easy task, especially with the added complexity of age-related limitations. At Punjab Insurance Inc — Calgary, Gurinder Chahal is known for his:
- Trustworthy advice
- Personalized customer service
- Wide network of insurance partners
- Strong understanding of senior health insurance needs
We believe everyone — no matter their age — deserves access to the best care and protection. When you work with us, you’re not just buying a policy; you’re gaining a partner who truly cares about your peace of mind.
Final Thoughts
Yes, you can get Super Visa Insurance even if you are over 85 years old — it simply requires the right advisor and the right plan. Age should never be a barrier when it comes to reuniting with your loved ones in Canada. With the help of Gurinder Chahal at Punjab Insurance Inc, seniors can find affordable, reliable, and comprehensive Super Visa Insurance plans tailored to their needs.
Ready to secure Super Visa Insurance for your loved ones?
Contact Gurinder Chahal with Punjab Insurance today to speak with one of our knowledgeable Insurance advisors. We are here to answer your questions, provide expert guidance, and help you find the right Insurance solution. Trust us to protect what matters most.
Experience peace of mind with Gurinder Chahal — your trusted partner for Super Visa Insurance in Calgary.
