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

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SELECT VISA TYPE
1PERSON AGE
2 PERSON AGE
COVERAGE (CAD)
START DATE
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.
Pre-existing 2 person

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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

Summary of Benefits
Benefit
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.

Important Notice: In case you purchased a Monthly Payment plan that has not been activated at the time of purchase, you DO NOT need to change the starting date. You will only need to contact us once you confirm travel plans of person insured in order to have the policy activated prior to their arrival in Canada. Please note that your policy must be activated PRIOR to the date of arrival in Canada. We recommend getting in touch with us at least 5 business day before travelling to Canada.

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 unlike 21 Century’s Standard and Enhanced plans, 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 made.

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 and/or activated (monthly payment plan) 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 liver, lung, brain, pancreatic cancer; any other type of metastatic cancer in the past 2 years.
– You do NOT have a kidney condition that requires dialysis treatment.
– 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 (with a non-monthly payment plan). 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.

Premium Refunds: Monthly Payment Plan

If you opted for a Monthly Payment Plan, you can request to have your insurance cancelled when your travel visa application is denied by IRCC, you formally withdraw your application or you leave Canada before the expiry date of your insurance. You can also apply for a refund when your provincial insurance coverage begins, provided you are eligible.

A $25 cancellation fee per person will apply when cancelling insurance due to early departure or provincial health care coverage eligibility.

1) For refused visa application, the 21 Century requires a copy of the refusal letter. Your deposit premium of 2 monthly installments is refunded, but the insurance company retains the $50 administration fee.
2) For formally withdrawn applications, you will need to provide a proof of withdrawal. Your deposit premium of 2 monthly installments is refunded, but 21 Century retains the $50 policy fee.
3) If you leave Canada early or receive provincial insurance benefits, the 21 Century will need a copy of the boarding pass or coverage enrollment letter for each person insured confirming their reason for cancellation. Only full unused monthly premiums will be refunded. Please see clarification below:

Any full unused monthly premiums you have paid are refundable i.e. 2 monthly premiums you pay in the beginning to set up the policy, provided:
– A person is NOT insured for any part of a month (even 1 day), otherwise that month becomes non-refundable.
– An insured person DOES NOT leave Canada any time within the first 2 (two) months of arriving, otherwise the 21 Century will retain the two months payment as a minimum premium but any other full and unused monthly premium payments you have made will be refunded.

Please note that with a monthly payment plan, the 21 Century does not restrict refunds to “no-claims” policies. If you have a claim on your monthly payment insurance policy you can apply for a premium refund with an eligible reason from the above.

 
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.

Super Visa Insurance: Monthly Payment Plan
Monthly Payment Plan from the 21 Century is an acceptable insurance plan that fully satisfies Super Visa requirement for the proof of a medical emergency coverage required from all applicants.
1 Application Process
When you select Monthly Plan, you will need to complete a short application form on our website. It only requires some basic applicant’s information including name, date of birth, contact information in Canada as well as anticipated travel dates.

Once you’ve submitted your application online, our Insurance Advisors will get in touch with you right away to review applicant’s information, go over plan details as well as answer your questions before finalizing the application and issuing a policy.

Important: Before your payment can be processed, you will need to fill out and submit Pre-Authorized Monthly Payment Form. Our Insurance Advisors will send you this form upon initial receipt of your application form. 21 Century will use this form as a means of charging monthly premiums from your credit card when the policy is activated.

2 Selecting Effective & Arrival Dates
When you complete your application, you will need to select a date for the coverage to begin. When purchasing a policy without a confirmed arrival date it is highly recommended to leave the policy in a “Pending Mode” until the date is confirmed. You will only need to activate your insurance policy when you know the exact date of insured’s arrival in Canada.

Effective Date and Arrival Date on the policy should match the tentative arrival date on your visa application, provided that the person to be insured is not in Canada at the moment.

3 Initial Payment
Once you’ve submitted your Pre-Authorized Monthly Payment Form, our Insurance Advisors can finalize your application by processing the initial payment. You will be paying the balance of 2 monthly insurance premiums (out of 12 premiums total for 1 year) plus a $50 administration fee. The 2 monthly premiums is a security deposit that covers the LAST 2 months of the coverage period when insurance is for 1 or 2 years.

When your payment is received by the insurance provider, you will receive an email containing your policy confirmation right away.

4 Policy Activation
The next payment is when you activate the policy.

You should contact our Insurance Advisors when you confirm the actual date of insured’s arrival in Canada. Once we receive your request, we can proceed with policy activation, at which point you will pay 1 monthly premium to cover the first month that insured person will be in Canada. Please note that policy activation must be processed prior to arrival.

5 Arrival in Canada
Once the policy is active, your coverage will automatically start upon the arrival in Canada as long as Effective Date on the policy matches the date of arrival.

Coverage will not begin until the 3rd monthly installment for the first month in Canada is paid and policy activated. Claims will not be paid for on a Pending policy that has not been properly activated.

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
Testimonials
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.
VERIFIED CLIENT
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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