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

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 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.

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.

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.

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 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