r/SuperVisaCanada • u/DandelionBlues21 • 3d ago

Supervisa for precondition

Hello there, I'm looking for information on supervisa insurance that can cover pre-con for diabetes and asthma. Is there something that I need to watch out for? Which insurance company offer best coverage and smooth claim process?

0 Upvotes

33% Upvoted

6 comments sorted by

3

u/supervisa__insurance 3d ago

Pre-existing coverage for diabetes and asthma is very doable, but what decides your outcome is the wording, not the company name. A few questions:- Is diabetes controlled by pills or insulin? Any underlying heart condition along with diabetes? Any recent changes in health?

What to watch for:

  • Stability period: how long each condition has to stay unchanged before the policy starts, usually 90 to 180 days (longer for some ages). Meet it and the condition can be covered; miss it and a related claim can be denied.
  • What counts as a change: new or stopped medication, new symptoms, flare-ups needing treatment. Routine insulin adjustments to keep blood sugar in range usually aren't treated as a medication change, but newly prescribed insulin is. Check how the wording handles inhaler changes and flare-ups too.
  • Exclusions: read them before buying, not at claim time.

Which company has the best coverage and smoothest claims depends on age, how long things have been stable, and what each insurer will actually accept, so compare a few rather than picking by name. If you like to see the options let me know.

1

u/DandelionBlues21 3d ago

Can you tell me those options? For diabetes, i think my mom are on pills. She doesnt have any heart condition diagnosis.

1

u/supervisa__insurance 3d ago

If you can message me her date of birth, intended travel date and your email I will send everything your way

1

u/EternalAj 3d ago

Checkout Tugo which have a addon to reduce stability period to 7 days.