21st Century Insurance:
Travel Insurance Coverage for Super Visa & Visitors to Canada
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Please note that date changes can only be made before your coverage begins.
You must also physically remain or plan to remain in Canada for 51% of your insurance coverage period.
Trip-break Exclusion: Trip-Breaks Benefit is only available to Super Visa holders, who decide to visit their home country and intend to come back to Canada without cancelling insurance coverage provided by the 21st Century.
The coverage is provided, if your arrival and effective dates are the same, and the policy expires by the time you land in your country of origin or permanent residence, provided that the expiry date and the date you land back home match.
Waiting Period applies due to the following:
– Policy is purchased after the Date of Arrival in Canada.
– Policy is purchased 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 of the insurance 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 – The insurance policy is purchased / activated within the first 30 days after your arrival in Canada.
– 7 days – You buy / activate the policy after the first 30 days of your arrival in Canada.
– 15 days – You are age 86 or over and you purchase / 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 this insurance plan, even if the costs are incurred after the waiting period has ended.
In case you have stayed in Canada for a while being covered under the 21st Century insurance plan for Visitors to Canada / Super Visa or with a coverage plan from another insurance provider in Canada, and you are renewing your emergency health care coverage, you are allowed to request to have the waiting period waived as long as your policy renewal is done prior to the expiry date of your current insurance policy.
Read this document carefully before you purchase the product in order to clarify any confusions you might have in regards to the medical emergency coverage 21st Century provides for Visitors to Canada.
Click to View – Standard & Enhanced Plan | Policy Wording
Click to View – Basic Plan | Policy Wording
– You have been advised not to travel by a physician.
– You have been diagnosed with a terminal illness with less than 2 (two) years to live.
– You have been diagnosed with or received treatment for lung, liver, brain, pancreatic cancer in the last 2 (two) years.
– You have ever been diagnosed with any other type of metastatic cancer.
– You have been prescribed and/or using home oxygen during the 12 months period (before the date you apply for coverage).
– You have had / waiting for a bone marrow or organ transplant (excluding corneal transplant).
– You have a kidney condition that requires dialysis.
– You reside in a care/nursing home or rehabilitation facilities.
If you are 86 years old or older, you will not be eligible for the 21st Century travel insurance Standard and Enhanced plans. You can select Basic Plan instead. Please contact our Insurance Advisors for more information.
– Applicants age up to 54 y.o: Coverage for pre-existing medical conditions is automatically included in the policy with Enhanced Plan. Please note that only those pre-existing medical conditions that are stable for at least 180 days immediately prior to the Effective Date of the policy are covered.
– Applicants age 55 to 85 y.o.: Coverage for pre-existing medical conditions has to be selected in order to included it in the policy. Please note that only those pre-existing medical conditions that are stable for at least 180 days immediately prior to the Effective Date of the policy are covered. You will also be required to complete a Medical Questionnaire in order to determine your eligibility for such coverage.
– Applicants age 85 and over: Pre-existing medical conditions coverage is not available.
In order to learn more about pre-existing medical conditions coverage, please refer to the Policy Wording or contact our Insurance Advisors.
Please note that a document confirming the reason for cancellation will be required when you send your request i.e. copy of a Boarding Pass, Visa Denial Letter or other eligible documentation. You will also need to fill out a Cancellation Form.
– 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 due to not travelling to Canada should be submitted for approval to the 21 Century office.
– You return to your country of origin before the insurance policy expires.
– You become eligible to receive health care under the Provincial Medical Plan.
A cancellation fee of $25 per person will apply.
If you are applying for a Partial Refund and:
– Have a claim that has been paid or has been reported but not yet paid.
– The total amount of all reported eligible expenses will not exceed the Deductible Amount.
You may apply to have such claim(s) withdrawn, subject to a file handling fee of $300 per claim. If you had a denied claim on your file, then a handling fee is $500 per claim.
Once these claims have been withdrawn in order to apply for a premium refund, no further expenses for your medical care will be accepted for consideration, regardless of the date the expense was incurred. Moreover, the file handling fee will be deducted from any amount to be refunded.
In order to request a refund, please contact one of our Insurance Advisors.
Please note that a late claim fee of $100 per claim will apply 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 (within Canada & USA)
– Collect – 1-519-251-7856 (Canada)
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;
c) Death Certificate;
Detailed instructions on how to make a claim are outlined in the Policy Wording.
