Super visa is a very beneficial way of traveling to Canada on a very short notice period; this visa is given only to parents and grandparents of a Canadian citizen or a permanent resident. The super visa has helped many families to reunite with their elders. The super visa is valid for a period of ten years and this is a multi entry visa and rules out the renewing of visits to Canada every time.

Super visa is a very beneficial way of traveling to Canada on a very short notice period; this visa is given only to parents and grandparents of a Canadian citizen or a permanent resident. It has helped many families to reunite with their elders. It is valid for a period of ten years and this is a multi entry visa and rules out the renewing of visits to Canada every time. The super visa allows staying in Canada for a period of two years at once, unlike the visitor's visa which allows only a stay of six months.

The main criteria for applying for super visa is medical insurance, which should be bought from a private Canadian insurance company only. Canadian medical care and hospitalization are very expensive for non residents so it is better to buy insurance instead of spending your money on your unexpected health issues. The medical insurance should be valid for a period of one year and should give coverage of $100,000 minimum.

The super visa medical insurance covers hospitalization, cost of treatment by physician or surgeon, cost of x-rays and other diagnostic tests, covers emergency room charges and covers the cost of prescription drugs and return of the person to the place of origin and even the remains of the person in case of death.

Super visa medical insurance is easy to buy and can be bought online by filling a simple form with the correct details. The medical questionnaire should be filled in very correctly, here do not lie about your medical conditions in case to buy a cheaper policy because all the policies offered do not cover the pre-existing medical conditions if you have any, so it is better you do not lie and truthfully answer all the questions and get a policy which suits you the most. Most policies do not cover the pre-existing medical conditions such as diabetes, high blood pressure, cancer etc. each company has a different policy for pre-existing conditions.

There are many companies selling the medical insurance you can choose from anyone but keep in mind that before buying compare the policy that the company has to offer you, get an online quote and compare it and only then buy. The cost of medical insurance depends upon your medical conditions like the pre-existing conditions for which you will have to pay more and it also depends upon the age of the person. Trust your advisor when buying a policy as he/she will help you in getting the premium at the time of claim.

The full premium is to be paid at once and if yourapplication for visa is rejected then the refund is given and also if you wantto return back without completing the one year of stay the refund is given onthe unused balance. There is also an option of extending your stay in Canada,but you will have to buy another policy before the first one expires.

Article Source: http://EzineArticles.com/8627998

Bike Insurance: Is it really worth it? And what do you do should the worst happen?

You will fall. Hopefully when you do it won't be too bad. When I think about falling I do worry about getting injured as any time off the bike will affect my season or possibly even cycling career. But what worries me more is the damage that could happen to my bike. My two prized possessions are my road bike and my time trial bike, I'm not going to brag about how much I paid but if you know what you're talking about they aren't cheap by most peoples standards. So if I break or damage an essential component, let's say the frame, what can I do to fix it. Well in some scenarios and to those who have no insurance the answer is nothing. You've lost it all unless you can prove someone else is at fault and even then you may have a legal challenge on your hands.

If the worst does happen what's the best course of action. First you need to assess the situation, do you or anyone need medical attention and are you in any further immediate danger, say from oncoming traffic. If the answer to those is no then you can move onto worrying about your bike. If someone else is at fault you're going to want to start compiling a list of evidence even if the other party seem co-operative that may change once you part ways. Of course this can be difficult if you're a little shaken up, hopefully you won't be alone if you are (or even if you aren't) you may want to call for police assistance. Whatever happens you will need as many pictures and witness names and contact details as possible. Should a dispute arise you will need this. Hopefully it won't come to it but better prepared than not.

If you are going to insure your bike you've got lots of options. Sadly it seems to come down to the price of the bike, the cheapest quote I got my road bike was well over £300.00. What gripes me the most is that when I went to add my winter bike to the policy they wanted more money, my point was how they can charge more when I'm only riding one at a time. I guess they could be stolen together, but as you'll find out on your search for a good deal (and with all insurances) it seems to be a massive con. My first bit of advice is compare the comparison sites. They do have differences sometimes, some sites have affiliations with different brokers and you may find a better deal on another site. If you're a British Cycling member you can get a discount through their provider, but even then it wasn't the cheapest quote I got.

Possibly my best bit of advice, and I fell into this completely accidentally. Think outside the box. Do you have another insurance policy you can add your bike too. My house insurance actually covered my bikes as an additional to my policy, gutted as I did pay for insurance on one of my bikes once! The cost was much less than getting a policy for my bikes and what's even better is they cover accidental damage to wheels, and option not always available with bike insurers. When I cracked my carbon wheel in a pothole my house insurance forked out for a replacement. Top stuff from mine, hopefully you're covered too!

It may be the last thing on your mind but it won't be should the worse happen. As if being without a bike wouldn't be bad enough the thought of having to replace it out of your hard earned cash is devastating. A little preparation now could save you a lot in the future. And should be involved in an accident that's not your fault just remember to remain calm and take account of the situation. The emergency services are there for these exact situations.

Pav Bryan - Owner & Coach

Pav Bryan Cycling Coach

Advanced Wattbike Cycling Performance & Fitness Testing,& Coaching

Article Source: http://EzineArticles.com/8650567