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Canadians & People Visiting Canada

April 13th, 2012

Everything You Need to Know About Super Visa

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Super Visa Medical Insurance

The new Super Visa has been announced 4 months ago and many Canadians have jumped on the opportunity to invite their parents or grandparents from overseas to come visit them in Canada and stay for up to 2 years. The Government of Canada estimates that the time to process Super Visa is about 8 weeks, unlike the previous sponsorship applications, which took 6 years or longer. Also, unlike the regular visitor’s visa, parents of permanent residents and Canadian citizens receive a 10 year visa and can remain in Canada for up to 2 years at a time, without the need to renew and undergo medical tests every time.

Still many are unsure how to apply for the Super Visa for their parents and if they are qualified. In this article, we will try to shed some light and answer some of the common questions about the Super Visa process.


1. How to apply?
In order to apply for the parents and grandparent Super Visa you will need to submit the Application for a Temporary Resident Visa Made Outside of Canada [IMM5257] to a visa office and provide documents to support your application. You may request a multiple-entry visa for up to ten years if you submit the applicable fees along with the application.

2. Where can I find the correct visa office for my country?
You can find the list by clicking here.

3. What documents must be included with the application for the Super Visa?
Here is the list of the required documents:
• A valid travel document (such as a passport).
• Two recent passport photographs of each family member are required. Make sure these photographs meet the requirements.
• Enclose the application fee, unless you are from a visa-exempt country. Your fee will not be refunded, even if your application is not accepted.
• You must provide proof that your parents/grandparents have enough money for their visit to Canada.
• Evidence of the parent or grandparent relationship to the Canadian citizen or permanent resident they wish to visit
• A letter of invitation from the child or grandchild that includes arrangements for care and support and indicates the number of people residing in their household in Canada (mandatory);
• Proof from you that you and your family meet the Low Income Cut-Off (LICO)
• Proof that you have private medical insurance valid for a minimum of one year from a Canadian insurance company and that:

  • Covers health care, hospitalization and repatriation;
  • Provides a minimum coverage of $100,000; and
  • Is valid for each entry to Canada and available for review by a port of entry officer.

4.What are the fees to apply for the Super Visa?
The fee is $150 per person for a multi entry visa and $75 for a single entry visa. These fees are not refundable, even if the visa is refused.

5. Do my parents need to undergo a medical examination?
Yes, in order to apply for the Super Visa, they are required to undergo a medical examination. Your visa office will provide you with instructions and a form with your assigned number before you see a designated medical practitioner. Unfortunately, your family doctor cannot do the medical examination.

6. What kind of medical insurance are we required to get for the parents?
In order to apply for the Super Visa, you are required to buy medical insurance, from a private Canadian insurance company that will cover health care, hospitalization and repatriation. The insurance has to be valid for one year and provide a coverage of at least $100, 000.

7. What if the Super Visa gets refused or they stay in Canada less than one year, are we entitled to a refund?
In case the Super Visa gets refused, you can get a full refund from the insurance company. Super Visa insurance office can help you with getting your refund, if you provide us with the copy of the refusal letter.
-If your parents stay in Canada less than one year, you can ask for a refund for the remaining time, assuming there were no claims on file. Some insurance companies charge fees for cancelations, while others do not.

Please contact us by calling our toll free number 1-877-211-4301 or by email arbetov.office@gmail.com and we will gladly provide you with all the necessary information and answer all your questions. Because we work with 6 different insurance companies we will also be able to help you find the lowest Super Visa insurance prices.

Best regards
The Arbetov Team!

December 13th, 2011

New Super Visa for Parents and Grandparents

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Buy Super Visa Medical Insurance
Canada introduces parent and grandparent Super Visa


On December 1, 2011, the Canadian Government introduced Super Visa, a multiple entry visa for up to 10 years, that enables parents and grandparents of Canadian citizens and permanent residents to visit their family in Canada and stay for up to two years, without the need to renew their status.   

 Buy Medical Insurance for Super Visa Online Now

One of the main requirements to apply for a Super Visa is a proof of private medical insurance from a Canadian insurance company for at least one year. The visitor needs to prove his ties to the home country and explain his purpose for the visit. The government of Canada also requires an invitation letter from a Canadian host. 

In addition, the parent or grandparent must provide a written commitment of financial support from their child or grandchild in Canada who meets a minimum income threshold and complete an Immigration Medical Examination.
Unlike with sponsorship applications, the processing time for the Super Visa will be approximately eight weeks, which will allow families to be reunited with their loved ones in Canada much sooner.

To be accepted, the visitors will be required to have Super Visa Medical Insurance coverage  during their stay in Canada

The coverage must:

  • Purchased from a Canadian Insurance company

  • Be valid for a minimum of one year

  • Provide a minimum coverage of $100,000

  • Cover health care, hospitalization and repatriation

  • Be valid for each entry to Canada and available for review by a port of entry officer

You can now buy
Super Visa Medical Insurance online



We offer our clients an affordable, flexible, convenient protection that meets the Super Visa requirements.

Important information:
*Medical Insurance protects you from unreasonable financial losses in Canada, due to a medical emergency
*If your Super Visa was declined, you can get a refund from the insurance company
*If your parents or grandparents need to leave Canada earlier, you will need to send a copy of the flight tickets to get a refund
*If you purchased Super Visa Insurance and need to postpone the trip for a few weeks, the insurance dates can be adjusted as well.
*If you want to lower your payment, the best way is to increase the deductible

Please email arbetov.office@gmail.com if you have any questions or need help with your application

Super Visa Insurance Online

Enjoy this funny video!

July 12th, 2011

Зачем нужна страховка жизни - размышления после 12 лет работы советником по страхованию

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В этом месяце (июль 2011г) журнал Canadian Immigrant опубликовал интервью со мной (в бумажной версии журнала, которая распространяется по всей Канаде) в подборке материалов от корреспондента Noa Glouberman. Повышенный интерес читателей журнала и его корреспондента к индивидуальному страхованию и к моей персоне как к президенту компании Arbetov Insurance and Wealth Management Inc заставили меня задуматься над смыслом страхования жизни и его трактованием в разных интерпретациях.

К своему удивлению, я понял, что в множестве опубликованных в интернете и в периодических материялах роль страхования жизни (да и другие виды индивидуального страхования) трактуются очень однобоко. Различные компании пытаются рекламировать тот или иной страховой продукт и при этом абсолютно не поясняют кому и в какой ситуации рекомендуется тот или иной продукт.

 Что самое интересное, многие страховые агенты до конца не понимают роль разных видов того же страхования жизни и принципиальную разницу между разными его видами. Для меня, как для математика в душе и по жизни, выглядит совершенно дико, когда клиенту рекомендуется какой-то однородный продукт, а не естественное сочетание (набор) разных страховок в одной. Причём, многие страховые компании дают такую возможность, но ею агенты пользуются недостаточно свободно.

Страхование жизни - возможность передачи денег без налогов от поколения к поколению. Причём, старшее поколение вкладывает в сотни, а, порой, и в тысячи раз меньше денег, чем получают наследники. Другими словами, мои дети с каждой тысячи вложенных моих кровных получат без налогов по миллиону. За счёт чего же получается такое инвестиционный результат, который редко достигается (или просто не достигается) в других видах инвестиций ? За счёт сочетания целого ряда условий:
  • Рост инвестиций внутри страховки не облагается налогом
  • Для роста инвестиций достаточно много времени (20 лет и более)
  • Страховые компании выбирают высоконадёжные и доходные инвестиции, которые часто недоступны индивидуальным инвесторам (например, грузовой морской порт)
  • Реальным наследникам страховых полисов достаются деньги от страховок других людей, кто купил страховку совершенно не задумываясь: зачем, кому, почему... Это деньги от страховок, которые продали вам беспечные страховые агенты, больше обеспокоенные своими коммиссинными, чем той пользой, которую вы и ваши близкие получат от страховки.
  • Правильный подбор всех компонент страхового полиса - от возможности самооплаты полиса в случае нетрудоспособности владельца, до возможности выбрать инвестиционные компоненты с учётом ситуации в экономике, вашего возраста, состояния здоровья и склонности к инвестиционному риску
Часто виновниками вашей "недострахованности" , иллюзии получения страховки нужной именно вам, являются агенты больших страховых агенств. Я сталкивался с такими людьми, которые просто "зомбированы". Они не понимают что же нужно конкретному потребетелю, говорят заученными фразами. Их учат только продавать. При этом уровень коммиссионных очень низок, что заставляет уделять мало внимания каждому конкретному клиенту, гнаться за количеством в ущерб качеству. Это не только начинающие агенты, но и с опытные, которые "варятся в собственном соку" и в своей компании. Они не обременены достаточным финансовым образованием, званиями, такими как CFP (Certified Financial Planner)  и, тем более, званием FMA (Financial Management Advisor).
страховые агенты
Сейчас я с партнёрами создаём команду, в которой будем учить друг друга как правильно подбирать нашим клиентам страховые планы, чтобы не было стыдно встретить их или их родственников через 20-30 лет. Наши двери открыты для всех: мы ответственно выполним страховое планирование и оправдаем доверие клиентов и с готовностью примем в свои ряды новых (и не новых) агентов.

June 19th, 2011

What Life Insurance Is

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Life insurance is a very complicated insurance product to protect the family in case of the death of breadwinner and to protect the business owner in case of death of his key employee or strategic partner. This is also the way to transfer the wealth from one generation to another.

Life insurance covers family bills

You can save money when you buy Life insurance if you follow my life insurance advices buying tips. There are different types of life insurance policies. Term Life is the cheapest kind of life insurance policy. There are different types of term life such as: Term 5, Term 10, Term 15, Term 20, Term to 65, and Term to 100.

As usual, when you buy a group insurance policy, you are choosing Term 5 over another kind of term 5 policy. The price is going to change when you turn a certain age. The term to 100 is the most expensive among the term policies but it can help a lot in Estate Planning.

Life insurance is more important than critical illness insurance because nobody knows if somebody has critical sickness, but everybody will die for sure sooner or later.

Permanent Life insurance policy can help you keep money inside the policy and cover insurance premium in case you are not able to pay (provided you have enough funds inside the policy ). Different types of policies can help you in different ways. An expirienced life insurance agent can help you choose the policy thats right to cover your insurance needs.

Michael Arbetov, CFP, FMA

April 22nd, 2011

All you need is proper insurance

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I have done a research on health medical insurance online website "What kind of insurance do visitors of the website  think is most important in their lives?".

The "Health and Dental Insurance" got most votes (28.99%). Next important option was "All of them" (23.19%). Last important insurance was "Critical illness insurance" plans (8.21%). Second less favorable insurance was "Life insurance" (10.14%). "Disability Insurance" and "Travel and Visitors to Canada Insurance" were in the middle (14.01%) and (15.46%).

The research is still in process, so if you visit the website, the mentioned above percentages could be modified.

Life insurance is an important asset in family financial planning. If a family lose a breadwinner life insurance is what a family needs.

Enjoy the video below.

October 3rd, 2010

B.C. Supports Breast Cancer Education and Awareness

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Vancouver – The Province is contributing $500,000 to the Canadian Breast Cancer Foundation, BC/Yukon Region, to help fund their upcoming Tour for the Cure, announced Premier Gordon Campbell today at the 2010 Run for the Cure in Vancouver.
 
Breast cancer continues to have a huge impact on women and families all over the province, with about 3,000 people expected to be diagnosed in B.C. this year alone,” said Premier Campbell. “By helping to raise awareness about the importance of regular mammograms and the ways in which women can protect themselves, the Canadian Breast Cancer Foundation Tour for the Cure will help save lives in B.C.”
 
The pink Tour for the Cure bus will travel around the province beginning in spring 2011, reaching women in urban, rural, remote and Aboriginal communities. The tour is expected to travel to more than 70 B.C. locations over five months. The tour will work to raise awareness and educate women in B.C. about breast health, prevention strategies and the importance of breast screening for the early detection of breast cancer.
 
“Early detection is critical and has a huge impact on overall breast cancer survival rates – in fact, regular screening has been shown to reduce the number of deaths by 25 per cent,” said Health Services Minister Kevin Falcon. “I encourage all eligible British Columbian women to get themselves checked, and take advantage of our free Screening Mammography Program.”
 
The Screening Mammography Program provides free screening to eligible British Columbian women without the need for a doctor’s referral. Women can schedule appointments at one of 37 provincewide screening centres by calling 1 800 663-9203. Women living in areas without a screening centre can make use of the BC Cancer Agency’s mobile vans, which provide breast screening to an additional 120 communities in B.C.
 
One in nine Canadian women – 11 per cent of all women – is expected to develop breast cancer during her lifetime, and as of 2010 more than 37,000 women are living in British Columbia that have been treated or are being treated for breast cancer.
 
Common signs of breast cancer include a painless lump in the breast or armpit, a change in the way the breast looks, or changes in the appearance of the nipple.
 
British Columbia also has the lowest mortality and incidence rate for breast cancer in Canada.
 
“The Canadian Breast Cancer Foundation Tour for the Cure will enable us to visit communities big, small and ethnically diverse, throughout B.C., in a very captivating way bringing important information about the prevention and early detection of breast cancer. This awareness will save lives,” said Linda Morris, CEO of the Canadian Breast Cancer Foundation, BC/Yukon Chapter.
 
According to the Canadian Cancer Society’s 2010 Canadian Cancer Statistics report, B.C. men and women have the lowest overall mortality rate for all cancers in Canada. Men have the lowest incidence rate and women have the second-lowest incidence rate for all cancers in Canada.
 
In addition, the Canadian Advocacy Council has the best funded and most timely access to cancer drugs in Canada.

Canadians are very active to play different casino games. Some of them make donations to Cancer charities. They are visiting online bingo sites and online roulette to play. Most lucky winners buy expensive cars and drinks but they never forget about charities to get fortune again.

May 2nd, 2010

Health Insurance and Pharmacy

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Canadians and people visiting Canada buy different kinds of health medical insurance. But they are both in case of nesecity use Canadian medications. If it is not an emergency they can buy it online. NorthWestPharmacy.com is one of the largest licensed Canadian pharmacy online sites. Please be aware that all prescription drugs require a prescription from the patient’s own doctor – no “online prescribing”.
The company is Certified by the Canadian International Pharmacy Association and the International Pharmacy Association of British Columbia.
Different Canadian insurers cover prescribed drugs.
Buy your Canadian drug online at a licensed and legitimate website, NorthWestPharmacy.com

January 4th, 2010

Why people need a life insurance

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People are idiots. They are all around. If you are a normal regular person it does not mean that others too. You have to be aware of some unexpectancy in your life. Your life depends on other people behevia. They are so different and unpredictable. If you care about your family, you must have life insurance with reasonable coverage. Please take a look at these idiots below.

They are may be around. It would not your fault but you should think about it. Insurance makes your family life financialy secure. The insurance business have over 500 years history. People invented it for the peace of mind.

December 21st, 2009

Visitors to Canada Medical Insurance Questions from Buyers

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Dear Michael,

I have bought an insurance for my wife who travells to Canada on December 18, 2009. I was wondering that if this plan covers whole Canada or only BC as she is residing in BC right now.

Regards, Pradip

Dear Pradip,   Thank you for the buying Visitors to Canada travel medical insurance from my website. I hope it helps to feel you and your wife financial secure in case of unexpected health problems. The plan you have bought from my website covers whole Canada for emergency medical. It even covers trips from Canada to other countries except her domestic country provided that she stays in Canada most of the time and her trip starts and finishes in Canada.   Good luck. Michael

July 12th, 2009

Are you aware about medical emergency ?

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Canadian Insurance"It won't happen to me!" Many people don't truly understand how an accident or illness away from home could affect them and their families. That's why when you don't have travel insurance, critical illness insurance, disability insurance, long term care insurance you are taking unreasonable financial risk for yourself and your family.

Medical insurance plan is a part of your family financial assets. It helps you to avoid financial disaster in case of family member health problems.

Proper disigned plan guarantees you help from insurance company.


July 10th, 2009

(no subject)

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June 22nd, 2009

(no subject)

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Sometimes people think about health or life insurance and postpone it. They think "May be another time". But it can be too late. Its the same thing if you play at an online casino Canada or even crossing the street. There are risks with everything you do. Mistakes always happen.

We are glad to imagine wonderful travel with nice nature and trips to the end of the World. We always hope that everything will be all right. But reality can be different. It is why travel insurance companies offer medical emergency coverages for Canadian residents which are under insured upon provincial medical plans.

May 25th, 2007

Importance of Health Insurance For Visitors To Canada (with counters)

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To buy Visitors To Canada Insurance Online is very important for people who are visiting Canada as tourists, students, and skilled workers or returned Canadians. It provides them with temporary medical emergency coverage. Medical emergency coverage does not cover regular check-up or baby delivery. It is not emergency.

The new immigrants in some provinces (British Columbia, New Brunswick, Ontario, Quebec) need such health insurance too because they may be not covered in the first three months upon arrival to Canada. Private insurance covers much less than a provincial medical plan but it does not last for long.




The good news is that the new technology helps you to find appropriate Travel To Canada Insurance On-line as well as to buy it online too. Anyone is able to afford a new medical coverage to avoid a financial risk to lose a lot of money on unpredictable treatment in case of medical emergency. If you are short in money , you have to buy any small amount of coverage rather than not buy.
To reduce the cost of insurance some companies may allow you to increase deductible amount. So, Canadian Life insurance company Manulife can give you reduction 20 per cent provided you agree for $1,000 deductible.

Different insurance companies in Canada give you a wide list of options where you can choose the best option for your family and yourself. Unlike life insurance that should lasts for years you do not have to take cheapest option because you are paying just for short period of time. To simplify decision you may use the financial planning tools .

If you are healthy and did not have pre-existing conditions you do not need medical exam too.

The opportunity to buy insurance on line saves you from the pressure from insurance agent. You won’t fill that insurance broker solicits you and call you at the time you just want to relax. You can also challenge the website to find out answers to all questions you may have. Of couse if you want you may call the broker to ask your questions directly.

So make your visit to Canada safe and happy!
Welcome to Canada!

Michael Arbetov, CFP, FMA
Insurance Advisor

PS
If you are temporary unable to reach linked websites just click here to read more and buy


Check prices and buy travel insurance from TIC - Travel Insurance Coordinators



Buy Insurance Main Page


Critical Illness Insurance Needed For All Of Us

Web Medical Insurance For Immigrants And Visitors To Canada

Private Health Visitors To Canada Insurance Coverage


Nowadays we work so hard every day, whether it’s at the office or at home.

May 8th, 2006

Health Insurance For Visitors To Canada

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To buy Visitors To Canada Insurance Online is very important for people who are visiting Canada as tourists, students, and skilled workers or returned Canadians. If you are one of them please read carefuly about your insurance needs. It provides people like you with a temporary medical emergency coverage.

The new immigrants
in some provinces (British Columbia, New Brunswick, Ontario, Quebec) need such health insurance too because they may be not covered in the first three months upon arrival to Canada. Private insurance covers much less than a provincial medical plan but it does not last for long.

Please be aware that it is more secure to buy big coverage with high deductible rather than buy small coverage with no deductible. You can get much better coveage for the same price.

The good news is that the new technology helps you to find appropriate Travel To Canada Insurance On-line as well as to buy it online too. Anyone is able to afford a new medical coverage to avoid a financial risk to lose a lot of money on unpredictable treatment in case of medical emergency. If you are short in money , you have to buy any small amount of coverage rather than not buy.

To reduce the cost of insurance some companies may allow you to increase deductible amount. So, Canadian Life insurance company Manulife can give you reduction 20 per cent provided you agree for $1,000 deductible.

Different insurance companies in Canada give you a wide list of options where you can choose the best option for your family and yourself. Unlike life insurance that should lasts for years you do not have to take cheapest option because you are paying just for short period of time. To simplify decision you may use the financial planning tools .

If you are healthy and did not have pre-existing conditions you do not need medical exam too.

The opportunity to buy insurance on line saves you from the pressure from insurance agent. You won’t fill that insurance broker solicits you and call you at the time you just want to relax. You can also challenge the website to find out answers to all questions you may have. Of couse if you want you may call the broker to ask your questions directly.

So make your visit to Canada safe and happy!
Welcome to Canada!

Michael Arbetov, CFP, FMA
Insurance Advisor

PS
If you are temporary unable to reach linked websites just click here to read more and buy or try Travel Insurance Underwriters And Buy Here



Main Page Of Buy Insurance Online



Why People Need Critical Illness Insurance

How To Buy Online Emergency Medical Insurance For Immigrants And Visitors To Canada

Internet As A Source To Choose The Health Visitors To Canada Insurance



April 29th, 2006

Financial Recovery From Cancer, Heart Attack or a Stroke

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Being financially secure means that you never risk losing the most valuable items we all have in our life: our home and our lifestyle.

However, did you know that ...
* 1 in 3 Canadians will develop a life threatening cancer? *
* 91% of the patients who were admitted with a heart attack survive? *
* The death rate from stroke has decreased 50% since 1950? *

People are surviving with these critical illnesses  due to medical advances. The main concern people like you have is ... Can you recover financially from one of these illnesses? With the aging population, the Canadian health care system is under an increasing strain and it is unlikely that they will be able to provide the financial assistance and options you will desire.


Critical Illness (CI) insurance is a new coverage in Canada that pays you a lump sum of money up to $2,000,000 if you are stricken by a critical illness and this protection can be purchased for as little as a dollar a day. No conditions are attached to these funds. You are the one who decides how the money will be spent.


We want to help you secure your financial future by ensuring you have the money to keep your home and lifestyle should you be stricken with any from 4 to 24 Critical Illnesses covered within this plan. To read more please visit www.ArbetovInsurance.com .


Michael Arbetov , CFP, FMA
tel: (604) 875-8878
fax: (866) 249-5260
e-mail: michael.arbetov@gmail.com  

* Source: Canadian Cancer Society; Heart and Stroke Foundation of Canada

Buy Insurance Main Page

Why You Need Critical Illness Insurance
About Emergency Medical Insurance For Immigrants And Visitors To Canada
Importance Of Health Visitors To Canada Insurance
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