21st Century Travel Insurance: Basic Plan
Affordable Super Visa & Visitors Coverage

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END DATE In New Immigrants/Returning Canadians/Foreign Workers mode, the End Date is set automatically to the minimum amount of days required for the specific province you choose. If you would like to manually set your End Date, please select IEC/Tourist/Visitor/Working Holiday mode.
Pre-existing 1 person If you have a stable existing medical condition, such as a damaged or sick organ, select Yes. If you do not have an existing medical condition, select No. Conditions that are not stable are not covered. Also, some specific conditions, such as heart disease, may not be covered. Please read this company's full coverage details to determine what pre-existing conditions are covered by this company.
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>
Pre-existing 2 person img-4
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>

Your personal information is safe with us.
In order to calculate a personal insurance quote, simply select the number of applicants, their age(s) and indicate whether or not they have any pre-existing
medical conditions. To finalize your results, click on Calculate Quote after you choose desired policy duration and a coverage limit!
Summary of Benefits
Eligibility Requirements
How to Get a Refund
How to Make a Claim

Monthly Plan: Effective December 7, 2022 – Monthly Payment Plans for Super Visa insurance policies are once again being officially accepted by IRCC.
COVID-19 Notice: Please stay up to date with the latest policy changes concerning COVID-19 coverage and eligibility requirements by using the following link – COVID-19 Insurance Updates
Summary of Benefits
Basic Plan
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC
Coverage Amounts
$15,000 / $25,000 / $50,0000 / $100,000 / $150,000 / $200,000
Emergency Hospitalization
Physician’s Services
Local Ambulance Transportation
Diagnostic and Laboratory Tests
Emergency Return Home / Repatriation
Medical Report Request
Rental of Medical Appliances
Up to $5,000 (Combined with Private Duty Nurse benefit)
Private Duty Nurse & Home Care Provider
Up to $5,000 (Combined with Medical Appliances benefit)
Prescription Medication
Up to $500 / 30-day Supply
Repair of Accidental Dental Damage
Dental Pain Relief Benefit
Repatriation / Cremation / Burial
Up to $7,500
Follow Up Visits
1 Visit
Services of Paramedical Practitioners
Up to $1,000
Extra Injury Coverage
Accidental Death
Single / Double Dismemberment
Changing the Effective Date:
When you buy a Visitors or Super Visa insurance policy with an upfront payment option and require a change of the Effective Date, you just need to contact our Advisors before your the current Effective Date on your policy commences. Please note that all changes to the Effective Date can only be made before your coverage begins.
Side-Trips Benefit:
Side-Trips insurance benefit allows insured people to travel outside Canada and remain insured by the 21st Century’s policy. In order to maintain your side-trips coverage eligibility you MUST NOT exceed a total of 30 days outside Canada within a single year (365 days). Please note that side-trips benefit excludes trips to your country of origin, where medical care cost are not covered by 21 Century at all. You must also physically remain in Canada for at least 51% of your insurance coverage period.

Trip-break Exclusion: Please note that Trip-Breaks Benefit is only available to Super Visa holders, who visit their country of origin or permanent residence for a short duration and plan to come back to Canada without cancelling insurance coverage provided by the 21 Century. During a trip to home country, this policy will not cover any medical care costs and will resume once your are back in Canada.

Deductible Type:
Please note that 21 Century’s Basic Plan has “Per Claim” deductible.

With such type of deductible, you will be responsible for paying a portion of the medical bill out of pocket that always equals the amount of deductible selected before the insurance company covers the rest of the bill. Full deductible payments are required per claim.

Travel to Canada & Back Home Coverage:
21 Century’s Basic medical emergency insurance will cover you on your way to Canada and back for uninterrupted flights (including stop-over / connecting flight, if you are not leaving the airport).

Please note that in order to qualify for this particular benefit, your arrival and effective dates must be the same. Also your policy must expire upon the date of landing in your home country, so that your coverage is valid during your travel home.

Waiting Period:
Please note that a Waiting Period will only apply to a policyholder in case insurance is NOT purchased prior to arriving in Canada. The Effective and Arrival Dates must also match in order to avoid the waiting period. If you are extending your insurance, please send your extension request to our insurance advisors before your current policy expires.

Waiting Period applies due to the following:

– Insurance is purchased / activated after arriving in Canada.
– Insurance is purchased / activated before or after arrival in Canada and insured person failed to notify us when they have actually arrived, unless the arrival date matches the effective date indicated on the policy.
– Insured person requests to change the deductible amount, sum insured and/or add or exclude Stable Pre-existing Conditions Coverage, if renewing the policy with no gap in coverage.

Waiting Periods:

– 72 hours – You purchased / activated within the first 30 days after your arrival in Canada.
– 7 days – You purchase / activate the policy after the first 30 days following your arrival in Canada.
– 15 days – You are 86 y.o. or older and you buy / activate your insurance plan with 21 Century after your arrival date.

Important Notice: Expenses related to any sickness that manifests itself during the waiting period are not covered under 21 Century’s Basic insurance plan regardless of whether the costs are incurred during or after the waiting period has ended.

In case you have been physically present in Canada while covered by either Visitors to Canada / Super Visa from the 21 Century or an insurance from another registered Canadian provider, and you are renewing your medical coverage, you are welcome to request to have the waiting period waived as long as your policy renewal is processed prior to the expiry date of your current insurance policy.

Policy Wording:
Policy Wording is an official document issued by the 21 Century that describes coverage benefits, policy exclusions and limitations, refund and cancellation procedures as well as provides detailed instructions on how to use insurance in case of a medical emergency.

Please note that you should consult Policy Wording as a primary document where all applicable conditions and limitations are explained. Read this document carefully before you purchase the product in order to understand the way such insurance works. You can also contact our Insurance Advisors in case you have any questions or concerns.

Click to View – Basic Plan | Policy Wording

Eligibility Requirements
Please note that in order to be eligible for the 21 Century’s Basic Plan you must meet the following requirements:

– You have NOT been advised against travelling by a physician.
– You have NOT been diagnosed with a terminal illness with less than 2 years to live.
– You have NOT had and NOT waiting for a bone marrow or organ transplant (excluding corneal transplant).
– You have NOT been diagnosed with or received any treatment for liver, lung, brain, pancreatic cancer in the past 2 years.
– You have NOT been diagnosed with any kind of cancer that metastasized (spread from one part of body/organ to another).
– You do NOT have a kidney condition that requires dialysis treatment.
– You have NOT been diagnosed with Congestive Heart Failure at any point.
– You have NOT been using home oxygen during the 12 months period (immediately before the date you apply for insurance).
– You do NOT reside in a care facility, nursing home or any rehabilitation facilities.

Pre-Existing Medical Conditions Coverage:
Please note that 21st Century’s Basic Plan does not cover any pre-existing medical conditions. If you are looking to add such coverage, please refer to Standard & Enhanced Plans or contact our Insurance Advisors.

Click to view – 21 Century – Standard & Enhanced Plans

How to Get a Refund
You can apply for a refund in case you are are not travelling to Canada, leave Canada before your insurance expires or you receive provincial insurance benefits prior to the expiry date of your insurance.

Important: Note that a document confirming the reason for cancellation is required at the time you send your request to us i.e. copy of a Boarding Pass, Visa Rejection Letter or other eligible documentation. You will also need to fill out a Cancellation Form that we will send you upon refund request receipt.

Full Premium Refunds:
Request a Full Refund of paid insurance premium in case:

– You have applied for a travel Visa i.e. Super Visa, and it was rejected.
– You have formally withdrawn your travel visa application.

Refund is subject to a $25 cancellation fee per person insured.

All other requests for premium refunds if are unable to travel to Canada must be submitted for review before a final decision by the 21 Century’s office can be made.

Partial Premium Refunds:
You can apply for a Partial Refunds, if:

– You return to your home country prior to the expiry date of your policy.
– You receive provincial insurance coverage in Canada.

A cancellation fee of $25 per person will apply.

In case you are requesting a Partial Refund and:

a) Have a claim that has been paid or has been reported but not yet paid.
b) The total amount of all reported eligible expenses does not exceed the Deductible Amount.

You may send a request for a claim withdrawal. It is subject to a file handling fee of $300 per claim. If you had your claim submitted but denied by the Claims Department, then a handling fee is $500 per denied claim. File handling fee will be deducted from the amount to be refunded.

When your claims are withdrawn, no further expenses for your medical care will be accepted for consideration, regardless of the date the expense was incurred.

In order to request a refund, please contact one of our Insurance Advisors.

How to make a Claim
If you have a medical emergency, you or someone on your behalf needs to notify the Assistance Center prior to making a claim, if it is possible. Failure to contact 21 Century will reduce the payable insurance premiums by 20%, which you will have pay out of pocket to a medical facility you have received medical treatment at.

Please note that a late claim fee of $100 per claim will apply in excess of deductible you have if you do not notify the Emergency Assistance Center of a claim within 24 hours of occurrence.

21 Century Assistance Center is available 24-hours a day, 7 days a week.

– Toll-Free – 1-877-882-2957 (Canada & USA)
– Collect – 1-519-251-7856 (Canada)

Claim Submission:

In order to file a claim you will need to submit the following:

– Complete Claim Form;
– Policy Number;
– Proof of all travel dates (airplane ticket, passport or visa);
– Original itemized medical receipts, bills and invoices;
– Proof of payment, in case you have paid for the claim;
– Complete medical and hospital records;
– If it was a motor vehicle accident, submit a copy of a police report;
– If a claim is under Accidental Death & Dismemberment, you need to submit:
a) Police, autopsy or coroner’s report;
b) Medical Records;

Detailed guidelines in regards to making a claim can be found in the Policy Wording.

Important: Please note that all claims must be reported within 30 days of occurrence and the latest documents submission deadline is 90 days following occurrence.

Need help deciding?
Select the best way to get in touch with our Insurance Advisors and let’s discuss your insurance options today!
Available Weekdays | 10am-11pm EST, Weekends | 12pm-8pm EST
I am pretty impressed with the level of service your insurance consultants have. Polite and efficient in their response – check. Available on the weekends – check. Good plan selection and quick quote review – check. Overall, my interaction with your team was a pure pleasure. Will definitely be doing some business again in the future.
Navinder P.
Please note that the above information is only a summarized version of covered benefits and conditions detailed in the official Policy Wording issued by the 21st Century Travel Insurance Limited.
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