21st Century Insurance:
Travel Insurance Coverage for Super Visa & Visitors to Canada

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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
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

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
Standard & Enhanced
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC
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
$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)
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)
Up to $5,000 (Combined with Medical Appliances benefit)
Prescription Medication
Up to $500 / 30-day Supply
Up to $500 / 30-day Supply
Repair of Accidental Dental Damage
Up to $4,000
Dental Pain Relief Benefit
Up to $300
Repatriation / Cremation / Burial
Up to $7,500
Up to $7,500
Follow Up Visits
1 Visit
Multiple Visits
Services of Paramedical Practitioners
Up to $1,000
Up to $1,000
Extra Injury Coverage
$50,000 if coverage amount is $100,000 or more
Accidental Death
Up to $25,000
Single / Double Dismemberment
Up to $25,000 / Up to $12,500
Changing the Effective Date:
If you purchased a Visitors or Super Visa insurance policy with a one-time full payment option and need to change the Effective Date / Start Date, you can send us your request BEFORE your coverage begins i.e. before the current Effective Date on your insurance policy confirmation document.

Please note that date changes can only be made before your coverage begins.

Important Notice: If you bought a Monthly Payment plan that has not been activated at the time of purchase, you DO NOT need to change the effective date on file unless insured’s travel plans are now confirmed and you wish to activate the coverage.

Please note that your policy must be activated PRIOR to the date of arrival in Canada.

Side-Trips Benefit:
Please note that in order to be eligible for Side-Trips insurance benefit, you MUST NOT exceed a total of 30 days outside Canada during a single year (365 days), except your country of origin, where medical care cost are not covered by 21st Century at all.

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.

Deductible Type:
Unlike other Canadian medical insurance providers, 21st Century’s Standard and Enhanced Plans have per policy deductible, which does not require you to pay the set amount of deductible in case of any claim you make other than the first one.
Travel to Canada & Back Home Coverage:
With a 21st Century’s Visitors to Canada medical emergency insurance, your policy will cover uninterrupted flight (including stop-over / connecting flight, if you are not leaving the airport) on your way to Canada.

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:
Waiting Period is NOT applicable to anyone, who have purchased and/or activated (monthly payment plan) 21st Century insurance before coming to Canada and adjusted the Effective date to the actual arrival date or has extended the policy coverage with no gap.

Waiting Period applies due to the following:

– Policy is purchased / activated after the Date of Arrival in Canada.
– Policy 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 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.

Policy Wording:
Policy Wording is an official document issued by the 21 Century, outlining and explaining your coverage benefits, eligibility requirements, exclusions and limitations applicable to your insurance as well as instructions on how to request a refund and submit a claim.

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

Eligibility Requirements
You are not eligible for the 21st Century travel insurance policy in case:

– 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 lung, liver, brain, pancreatic cancer; any other type of metastatic cancer in the last 2 (two) years.
– You have been 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.

Age and Coverage Period Restrictions:

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.

Pre-Existing Medical Conditions Coverage:
In order to apply for a policy that covers pre-existing medical conditions, you need to meet the following requirements:

– 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.

How to Get a Refund
You can apply for a refund if you are unable to travel to Canada, for early departure or if you become eligible for provincial insurance prior to the expiry date of your policy.

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.

Full Premium Refunds:
You can request a Full Refund of the 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 due to not travelling to Canada should be submitted for approval to the 21 Century office.

Partial Premium Refunds:
Requests for Partial Refunds are only issued, if:

– 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 (with a non-monthly payment plan). 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.

Premium Refunds: Monthly Payment Plan

Cancellations are permitted if your travel visa application is refused by IRCC, formally withdrawn applications or for early departures and provincial insurance coverage eligibility. A $25 cancellation fee per person will apply.

1) For refused visas, the 21 Century will need a copy of the refusal or withdrawal letter. The deposit premium is refunded but the insurance company retains the $50 policy fee.
2) For formally withdrawn applications proof of withdrawal will be required. The deposit premium is refunded but the insurance company retains the $50 policy fee.
3) For early departures, the 21 Century will need a copy of the boarding pass for each person insured proving their return to country of origin. Only full unused monthly premiums will be refunded. Please see 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, 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.

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

How to make a Claim
In case of a medical emergency, you or someone on your behalf has to notify 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 specialist or a facility you have received medical treatment at.

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)

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;
c) Death Certificate;

Detailed instructions on how to make a claim are outlined in the Policy Wording.

Super Visa Insurance: Monthly Payment Plan
The 21st Century Monthly Payment policy fully satisfies Super Visa requirement for the proof of medical emergency insurance set by the Government of Canada.
1 Application Process
In order to buy the 21st Century Monthly Payment insurance for Super Visa, you will need to complete an application form on our website using basic personal information i.e. DoB, address in Canada, contact information as well as coverage details for the person to be insured.

Once it is done, our Insurance Advisors will contact you to confirm your application details and send you a payment link to complete your application process.

2 Selecting Effective & Arrival Dates
As you might not be sure of the exact arrival date until the government makes its decision regarding the Super Visa, you should NOT activate the policy right away, unless the person to be insured is in Canada.

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

3 Initial Payment
When you are purchasing Monthly Plan from the 21st Century, provided the person to be insured is not in Canada, you will be paying 2 (two) monthly insurance premiums (out of 12 premiums total for 1 year) plus a $50 policy administration fee. The 2 (two) monthly premiums is a security deposit that cover the LAST 2 (two) months of the insurance period.

Once your initial payment is accepted, you will receive an email containing your policy confirmation.

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

You should send us your activation request only when you confirm the actual date of insured’s arrival in Canada, at which point you will pay 1 monthly premium to cover the first month that insured person will be in Canada.

Please note that in case the person to be insured is in Canada upon the application date, you will need to activate the policy right away.

5 Arrival in Canada
Once your policy is activated the coverage will automatically begin upon arrival in Canada.

Please note that your coverage will not commence until you pay the 3rd premium installment and your policy will have a certain waiting period once it is activated. Claims will not be approved 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
When I was searching for a Super Visa insurance most options on the market seemed a bit too expensive. It took a few days for me to do a proper research and find Arbetov’s website who were kind enough to offer me the monthly payment plan so I have a bit of flexibility with payment. I think it’s a great option for people who can’t purchase the whole policy at once and need an installment-based payment. I want to thank people at Arbetov insurance for helping me set up the policy and explain how this coverage works.
Nira J.
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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