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

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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
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 an upfront payment option and need to change the Effective Date on file, you can send your date change request to us prior to the policy becoming effective i.e. before the current Effective Date indicated 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 found eligible for Side-Trips insurance benefit, you MUST NOT exceed a total of 30 days outside Canada within single year (365 days), except your country of origin, in which, medical care cost are not covered by 21 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-Brakes Benefit is only available to Super Visa holders, who decided to visit their home country, intending to come back to Canada without cancelling insurance coverage provided by the 21 Century.

Deductible Type:
Unlike other Canadian medical insurance providers, 21 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 21 Century’s Visitors to Canada medical emergency insurance 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) 21 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 21 Century’s 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 21 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 coverage with the 21 Century’s 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; 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 21 Century’s Standard and Enhanced insurance 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.