Long Stay Visitors
Trip Cancellation, Interruption and Baggage Package
SUPER VISA info
24/7 insurance companies telephone numbers
Saturday, December 03rd, 2016

21st CENTURY
Visitors Insurance

21st Century Insurance

get a free quote

order online

Benefits
Exclusions
Claims
FAQ
Rates
Downloads

Administrated by: 21st Century Travel Insurance Limited
Underwritten by: The Manufactures Life Insurance Company (Manulife Financial)
24 hours Assistance Center: Active Care Management

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS: 
  - Maximum Benefits: $10,000; $15,000; $25,000; $50,000, $100,000 and $150,000
  - Emergency medical attention: Medical care received from a physician in or out of a hospital, the cost of a hospital room (semi-private room when available or an intensive care unit when medically necessary); tests that are needed to diagnose or find out more about your condition; and drugs that are prescribed for you and are available only by prescription from a physician. Follow up visits are covered until the attending physician, or our medical advisors, declare the end of the medical emergency.
  - Physician and Private duty registered nursing or licensed home care providers (up to $5,000).
  - Medical Appliances - rental of crutches, hospital bed, splints, trusses, braces or other prosthetic devices, up to a maximum of $5,000.
  - Professional Medical Services referred by a physician - treatment provided by a licensed chiropodist, chiropractor, osteopath, physiotherapist, podiatrist or acupuncturist up to a maximum of $1,000 per insured. 
  - Ambulance Transportation.
  - Prescription drugs or medicines up to $500 and not exceeding a 30-day supply when these medications are prescribed on an outpatient basis.
  - Expenses related to death from covered medical condition up  to $7,500 for combined cost of preparing and transportation of the body to the country of origin or for cremation and/or burial at the place of death. The cost of a coffin or urn is not covered.
   - Emergency Transportation: The cost up to the policy limit for one-way economy airfare or stretcher to transport you to your country of origin, and a medical attendant if required or the cost of air ambulance transportation, if it is medically necessary. This benefit must be authorized and arranged by the Assistance Centre.
   - Accidental Dental: Up to $4,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
  - Accidental Death and Dismemberment – up to $10,000 (in excess of the aggregate policy limit)
  - Re-occurrence of already claimed medical condition if in the 90-days prior to that subsequent emergency this condition was stable (see 90-Day Provision exception)
  - Flight to/from Canada coverage will be provided with no additional premium during your uninterrupted flight directly to and from Canada, when coverage is purchased prior to leaving your country of origin with an effective date equal to the date and time you are scheduled to arrive in Canada, and prior to leaving Canada to return to your country of origin with an expiry date equal to the date and time you are scheduled to leave Canada. An uninterrupted flight shall include a stop-over provided you do not leave the airport.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:
ELIGIBILITY:
You are not eligible for coverage under this policy if:
   - you are travelling against the advice of a physician;
   - you have been diagnosed with a terminal illness with less than two years to live;
   - you have been diagnosed with or received treatment within the last two (2) years for pancreatic, lung, brain, or liver cancer; or any type of cancer that has spread from one part or organ of the body to another not directly connected with it;
   - you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);
   - you have a kidney condition requiring dialysis; 
   - you have used home oxygen during the 12 months prior to the date of application; and/or
   - you reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre.
AGE AND PERIOD LIMITS: 
Coverage is available under a policy for 365 days in total for ages up to 85. However, you may purchase a new policy if you require insurance for more than 365 days. Exception: If you have opted to pay your premium under the Monthly Payment Option, you can choose to upgrade your Coverage Period from one full year (12 months) to two full years (24 months). If you purchased a two-year Coverage Period, then all benefit limits are fully reinstated on day 366 of your Coverage Period.
For those age 86 and older, coverage can be purchased to insure up to the first 180 days following the date of arrival in Canada. No further coverage can be purchased until you return to your country of origin.

DEDUCTIBLES: The published rates include a $50 deductible per person per policy period. The following deductible options and discounts are available: 40% savings for $10,000 deductible, 35% savings for $5,000 deductible, 20% discount for $1,000 deductible and 10% for $250 deductible. $0 deductible option is also available for visitors up to age 85. For age 86 or greater - $500 deductible only is available. If you have upgraded your Coverage Period to two years, the Deductible Amount will be reset on day 366 of your Coverage Period and will have to be paid again by you before you will be reimbursed for eligible expenses in year two.

Applicants who select the “disappearing deductible” option receive a premium discount of 30% when $25,000 coverage is purchased or 25% discount if $50,000 of benefit is selected (see end of this page for more information)

WAITING PERIOD for sickness or disease:
   - No waiting period if the insurance is purchased or activated prior to your arrival in Canada or the same policy has been extended.
   - 72 hours if the policy is purchased within 30 days of your arrival in Canada.
   - 7 days if the policy is purchased after 30 days of your arrival in Canada.
   - 15 days if you are age 86 or older and if you purchased your policy after the arrival date.
NOTE: A waiting period will apply if you have already arrived and request a date change to an earlier effective date.
If you have coverage with another insurance company during the first part of your trip, and you are purchasing this insurance after your arrival date and there will be no gap in your coverage, you may request to have the waiting period waived. You must provide proof satisfactory to the Company that you have other coverage in force prior to purchasing this policy and receive written approval from the Company. 

"Pre-existing medical condition" means sickness, illness, disease, symptom, or injury that existed or for which medication has been taken, received, or prescribed, or for which treatment has been prescribed or received in the 180 days before your effective date of insurance as stated on your policy confirmation.

Note: Each time you extend or purchase another policy from the insurance company because you are staying in Canada longer, each new policy will have a new effective date and you will NOT be covered under the new policy for any sickness, disease, symptom or injury which had manifested itself in the 180-day period immediately preceding the new effective date.

"Stable Chronic Condition" means a pre-existing medical condition for which, in the 180 days prior to your effective date of insurance:
   - there have been no new symptoms or change in symptoms; and
   - existing symptoms have not become more frequent or severe; and
   - a physician has not found that the medical condition has become worse;
   - no test findings have shown that the medical condition may be getting worse; and
   - a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and
   - a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment; and
   - there has been no hospitalization or referral to a specialist or specialty clinic; and
   - a physician has not advised referral to a specialist or further testing, and there has been no testing for which results have not yet been received the results.
21st Century will not cover any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.
21st Century will not cover any lung condition if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition.

PREGNANCY: Limited coverage is provided for complications that happen outside of the 9 week period before and the 9 week period after the expected delivery date IF the pregnancy commences AFTER the effective date of the policy.

OTHER EXCLUSIONS:
   - Note: This policy does not cover cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms ultrasounds or biopsies unless such services are approved in advance by the Assistance Centre.
   - Any expenses or benefits if the information provided on your application for insurance is not truthful and accurate or you did not meet the eligibility requirements.
   - Self-inflicted injury, suicide or attempted suicide; a criminal act or an attempt to commit a criminal act.
   - Any sickness, injury or death related to your intoxication, the misuse, abuse, overdose, or chemical dependence on medication, drugs, alcohol, or other intoxicant.
   - An emergency resulting from: mountain climbing requiring the use of specialized equipment, including carabineers, crampons, pick axes, anchors, bolts and lead-rope or top-rope anchoring equipment to ascend or descend a mountain; rock-climbing; parachuting, skydiving, hang-gliding or using any other air-supported sporting device; participating in a motorized speed contest; or your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving, is your principal paid occupation.
   - The provision of Insured Services to children 30 days of Age or younger.
   - War, invasion, terrorist acts.
   - Your obtaining medical or healthcare assessment or any form of report or document for the purposes of supporting an application to obtain immigrant status in Canada.
   - Mental and emotional disorder (other than acute psychosis) that does not require admission to a hospital.
   - General health examinations, medical and health services, including prescription drugs or medicines, provided to monitor or maintain a Stable Chronic Condition. 
    - Costs incurred in your country of origin are excluded.
    - any treatment that is elective, cosmetic and not for the emergency and/or general health examination or services.
    - any medical treatment outside of Canada when the emergency occurred in Canada.
    - the outgoing treatment, recurrence or complication of a medical condition when you have already received emergency treatment for that condition during your coverage period and the Assistance Centre determines that your medical emergency has ended (except 90-day provision benefit) 
    - If you have an emergency covered under this policy, and the Assistance Centre determines that you are able to travel, 21st Century reserves the right to transfer you to your country of origin. If you refuse or choose not to return, you will no longer be covered for any insured services under this policy. Any continuing expenses incurred after you refuse or have chosen not to return will not be covered and the payment of such expenses becomes your sole responsibility.

90-Day Provision: If you are advised by the Assistance Centre that your emergency has ended, and you are not required to return to your country of origin, you will have no further coverage under this policy for any insured services that are directly or indirectly related to ongoing treatment, recurrence or complication of that medical condition. However, if your claim is deemed to be payable under this policy then subject to the other terms, conditions and exclusions of this policy such medical condition will be covered again in the event of a subsequent emergency if, in the 90-days prior to that subsequent emergency: you have not had any recurrence, new symptom(s) or any complications; existing symptom(s) have not become more frequent or severe; a physician has not determined that your medical condition has become worse; no test findings have shown that your medical condition may be getting worse; a physician has not provided, prescribed, or recommended any new medication, or any change in medication; a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment; there has been no hospitalization or referral to a specialist or specialty clinic; aphysician has not advised referral to a specialist or further testsing; and there has been no testing for which results have not yet been received.

CLAIMS:
You must contact the Assistance Centre prior to receiving any medical treatment. If you fail to contact the Assistance Centre, you will have to pay 20% of the medical expenses we would normally pay under this insurance. If it is medically impossible for you to call when the emergency happens, the 20% co-insurance will not apply. In this case, 21st Century asks that you call as soon as you can or that someone call on your behalf.

To make a claim, you will need to complete a claim form and attach the original medical bills, receipts and invoices (always make a copy for your record), your medical and/or hospital record (diagnosis, X-ray, lab tests confirming that the treatment was medically necessary), copy of police report (in case of a Motor Vehicle Accident) and mail it to:
                   21st Century Visitors Claims
                        c/o Active Care Management
                         P.O. Box 1237, Stn A
                        Windsor, ON, N9A 6P8

Claim Assistance: In the event of claim or in the event of circumstances likely to result in a claim, please call the Claims Assistance Centre at: 1-855-297-4379 (toll-free within North America) from 8:00 AM to 8:00 PM Eastern Standard Time.

In the case of any disagreement with 21st Century Travel Insurance Limited claim decision you may choose to follow the Claim Complain Process:
   - Request in writing, a Mandatory Claims Review Meeting with 21st Century Travel Insurance Limited. A Mandatory Claims Review Meeting will be scheduled within 30 days of receipt of your written request.
   - Arbitration in accordance with the law governing arbitration proceedings in the Province in which your policy was issued in case of any disagreement after the Mandatory Claims Review Meeting. Legal action to recover a claim must start within 12 months of the date of bodily injury or the date on which you first received any emergency medical service.

F.A.Q.:
REFUNDS:
Request for premium refunds due to non-arrival can be submitted for consideration as long as this insurance has not been issued as part of the requirements necessary to obtain or maintain a visitor visa in which case proof of visa refusal must be provided. You can also cancel your insurance with proof of departure from Canada but that is considered an early return and means that 21st Century will refund only the unused premium amount provided that there has been no claim reported, paid or denied. If you are applying for a partial refund due to an early return home and have a payable claim that has not been paid, (or 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 $250 per claim. If the insurance company has notified you of a denied claim, it cannot be withdrawn.
Your written request to cancel this policy must be received within 60 days following the date you return to your country of origin. In no event will 21st Century back-date a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request. If your cancellation request is received more than 30 days following the date you returned to your country of origin, the insurance company will require a copy of every page of your passport to verify that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request. 
All refunds are subject to approval by 21st Century. 
Refunds will be credited to the same credit card used to charge the premium.
In addition, a $25 policy administration fee will be applied to any refund or cancellation

REFUNDS for "Super Visa Monthly Payment Option" plan: If your visa application is denied by the Government of Canada, or you formally withdraw your visa application and your coverage under this policy has not been activated, 21st Century will refund any premium paid. Proof of the denial or withdrawal of your application for a visa must be provided to 21st Century with your written request for a refund. 
The two month deposit premium and the $50 Policy Fee for the Monthly Payment Option are NON-REFUNDABLE in any circumstance where the entry permit is approved and issued by the Government of Canada and you have arrived in Canada with or without proper Activation of your policy. 
You may terminate your policy due to your departure from Canada or from a Side-Trip Outside of Canada, and apply for a refund of unused premium: 
  - if there are more than 30 days between your termination date and expiry date, and 
  - as long as your written request to cancel this policy is received within 60 days following the date you return to your country of origin. In no event will 21st Century back-date a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request. 
Your written notification must include: 
  - a copy of your return airline tickets and stamped passport or a copy of your boarding pass, and 
  - a statement saying that you have not incurred any paid claims and will not report or submit any claims against this policy after your termination date.
If your cancellation request is received more than 30 days following the date you returned to your country of origin, 21st Century will require a copy of every page of your passport to verify that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request. 
All refunds are subject to approval by 21st Century.
A $25 policy administration fee will be applied to any refund.
Refunds will be credited to the same credit card used to charge the premium. 

EXTENSIONS: 
Each time you purchase another policy from the insurance company because you are staying in Canada longer, each new policy will have a new effective date and you will NOT be covered under the new policy for any sickness, disease or bodily injury which had manifested itself in the 180-day period immediately preceding the new effective date. Waiting period will apply if you decrease your deductible amount or change from Standard to Stable Chronic Condition coverage option or increase your policy limit.

SIDE TRIPS:
This insurance provides coverage for up to 30 days in total within a 365-day period while traveling outside Canada as long as you spend not less than 51% of your time in Canada. You must be continuously insured under a 21st Century Visitors to Canada policy or consecutive policies with no gaps in coverage during your side trip. You are not covered under this insurance policy in your country of origin. If you take a side trip outside of Canada that is longer than that permitted in this policy, your coverage will be suspended for the remainder of your side trip but your coverage will not be terminated. When you return to Canada, your coverage will resume and continue up to the expiry date shown on your policy confirmation. Proof of all travel dates will be required in the event of a claim.

If you hold a PG-1 Super Visa and return to your country of origin without cancelling your policy, your coverage will be suspended while you are in your country of origin and will be reinstated when you return to Canada (or other country as permitted under the "Side-Trips Outside of Canada" provision). There will be no refund of premium related to your suspension of coverage and your expiry date will not change.

ABOUT 21st CENTURY TRAVEL INSURANCE:
21st Century Travel Insurance Limited is a Managing General Agency that provides all types of travel insurance products to individuals and groups across Canada. The head office is in Cobourg, Ontario and all insurance policies are underwritten by Manulife Financial.

RATES:

Table 1 - Stable Chronic Condition Coverage
Single Rates
Age/Sum $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
0-25 $1.87 $2.28 $2.30 $2.75 $3.50 $4.10
26-34 $2.04 $2.36 $2.52 $2.85 $3.75 $4.57
35-39 $2.09 $2.47 $2.62 $3.05 $4.00 $5.00
40-54 $2.26 $2.62 $2.98 $3.40 $4.90 $5.81
55-59 $2.37 $2.95 $3.10 $3.67 $5.25 $6.67
60-64 $3.37 $3.76 $4.15 $5.05 $6.60  $8.80
65-69 $3.61 $4.50 $4.95 $5.60 $7.50  $11.55
70-74 $5.50 $6.85 $7.40 $8.57 $10.90  
75-79 $6.71 $7.95 $9.10 $11.25 $13.40  
80-85 $10.07 $11.32 $13.75 $16.50 $20.00  
             
Family Rates (based on age of oldest person)
0-25 $3.74 $4.56 $4.60 $5.50 $7.00 $8.20
26-34 $4.08 $4.72 $5.04 $5.70 $7.50 $9.14
35-39 $4.18 $4.94 $5.24 $6.10 $8.00 $10.00
40-54 $4.52 $5.24 $5.96 $6.80 $9.80 $11.62
55-59 $4.74 $5.90 $6.20 $7.34 $10.50 $13.34

Applicant age 86 and over must complete a medical declaration to determine eligibility.
   - Applicants under age 60 are automatically covered for "stable chronic conditions"
   - Applicants ages 60 to 85 who wish to purchase this option must complete the Medical Declaration to determine eligibility for coverage
   - $50.00 deductible per period. (age 86 or greater - $500 deductible). Other deductible options available for visitors up to age 85: $0 (5% surcharge), $250 (10% discount), $1,000 (20% discount), $2,500 (disappearing), $5,000 (35% discount) and $10,000 (40% discount).
   - Minimum policy premium is $25.00.
   - Maximum length of coverage is 365 days. For age 86 and over, coverage can be purchased to insure up to the first 180 days following the arrival date.
   - Family rate - is twice the older adult rate. "Family" means 3 or more of: parent(s) or legal guardian(s) and their unmarried children under age 21 who are visiting Canada with them and dependent on them for their sole means of support.
   - When you purchase the $100,000 option, you are automatically insured for $150,000 for covered expenses as a result of an accidental bodily injury.

Table 2 - No Stable Chronic Condition Coverage
Single Rates
Aggregate policy limit per person

Age 60
to 64

Age 65
to 69
Age 70
to 74
Age 75
to 79
Age 80
to 85
Age 86 and over (deductible $500)
$10,000 $3.04 $3.26 $4.46 $5.28 $6.66 $10.71
$15,000 $3.40 $4.00 $5.60 $6.60 $8.90 $12.54
$25,000 $3.75 $4.45 $6.66 $8.07 $10.06 $14.76
$50,000 $4.50 $5.06 $7.72 $9.80 $11.90  
$100,000 $5.90 $6.75 $9.80 $12.10 $14.00  

RATE TABLE GUIDE:

Age Stable Chronic Condition Option Medical Declaration Required? Premium Table Deductible Amount
Under 60 Automatically Included No Table 1 $50.00
60-85 If Option Waived No Table 2 $50.00
60-85 If Option Purchased Yes Table 1 $50.00
86 plus Not Available Yes * Table 2 $500.00

 * For age 86 plus, if there are any "Yes" answers on the Medical Declaration, no coverage of any kind is available from 21st Century.

What is Disappearing Deductible Option?
The disappearing deductible option is available to any applicant (including the $500 for age 86+), who purchases benefit of $25,000 or $50,000. All other deductibles are waived  and replaced with a $2,500 deductible that applies to each sickness-related claim when eligible expenses are $2,500 or less. When eligible expenses for a sickness-related claim exceed $2,500, the deductible amount is waived (“disappears”) and eligible expenses will be reimbursed from the first dollar.
For injury-related claims, the deductible is waived. Applicants who select the disappearing deductible option receive a premium discount of 30% when $25,000 coverage is purchased or 25% discount if $50,000 of benefit is selected.

What is the Stable Chronic Condition Coverage Option?
This option is automatically included for all applicant up to age 59, and can be purchased for ages 60 to 85 (providing the applicant is eligible). When the option is automatically included (age 0-59) or purchased (age 60-85), stable chronic conditions (as defined) are covered under the policy.
Note: conditions that do not meet the definition of stable chronic condition will be subject to the pre-existing exclusion in the policy.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

21st Century Travel Insurance Inc.
Visitors Insurance Policy PDF

21st Century Travel Insurance Inc.
Visitors Claim Form PDF

21st Century Travel Insurance Inc.
Medical Declaration PDF

 

get a free quote

order online

Back to Top

HomeDisclaimerPrivacy PolicyAbout UsJob OpportunityContact Us
 
manulife, blue cross, tic, travel underwriters, aig travel guard, gms, efts, img, mnui, seven corners, 21st century