21st CENTURY Visitors Insurance

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: Not available.

BENEFITS:
Maximum Benefits: $10,000; $15,000; $25,000; $50,000, $100,000 and $150,000
Hospital and medical expenses - Up to the amount of insurance purchased for emergency hospitalization (ward accommodation) or out-patient services.
Physician and Private duty registered nursing or licensed home care providers.
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.
Diagnostic Treatment including X-rays, ultrasounds, and laboratory tests requested by a physician up to the policy limit while hospitalized for a period of 24 hours or more or up to a maximum of $1,000 when these services are provided on an outpatient basis.
Ambulance Transportation.
Prescription drugs or medicines up to $500 per insured maximum.
Funeral Expenses: In the event of death, up to $5,000 for preparing and transportation of the body to the country of origin or up to $1,500 for cremation and/or burial at the place of death.
Emergency Transportation: The cost up to the policy limit of air ambulance, one-way economy airfare or stretcher to transport you to your country of origin, and a medical attendant if required, when immediate medical consultation is required following a covered emergency sickness or injury.
Accidental Dental: Up to $1,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
Dental Emergencies: Up to $300 (per 12 months) for the immediate relief of acute dental pain, other than provided under Accidental Dental.
Accidental Death and Dismemberment - $10,000

EXCLUSIONS:
AGE AND PERIOD LIMITS:
Coverage is available under a policy for 365 days in total for ages up to 85. 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.

DEDUCTIBLES: The policy has $50.00 deductible per policy period. For age 86 or greater - $500 deductible per period. $0 and $250 deductible options are also available for visitors up to age 85.

WAITING PERIOD:
- 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.
- No waiting period if the insurance is purchased prior to your arrival in Canada or the policy has been extended.
- 14 days if you are age 86 or older and if you purchased your policy after the arrival date.

PRE-EXISTING CONDITIONS:
Any sickness, disease or bodily injury in the 180-day period immediately preceding the "Effective Date" of this Policy.

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 or bodily injury which had manifested itself in the 180-day period immediately preceding the new effective date.

"Stable Chronic Condition" means:
- A condition which is under treatment and which has been controlled by diet or consistent use of medication prescribed by a physician, and there have been no new symptoms or change in symptoms; and/or there has been no hospitalization or change in treatment, medication or dosage in the 180 days prior to the effective date of this policy.
- If your physician has determined that your health condition has improved and changes, your treatment, medication or dosage due to your improved health condition, this does not constitute a change.
- A condition that existed more than 180 days prior to the effective date and which did not require continued treatment as determined by a physician during the 180 days prior to the effective date of this policy.
- Stable Chronic Condition option is automatically included for visitors under age 70. Applicants age 70 to 85 who wish to purchase this option must complete the medical declaration on the application to determine eligibility for coverage.

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:
- Intentional self-injury, suicide or attempted suicide while sane or insane.
- Sickness, disease or bodily injury in any way arising from or contributed to by the misuse of drugs or alcohol.
- An emergency resulting from: hang-gliding, rock-climbing, mountaineering, parachuting or skydiving; 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".

CLAIMS:
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 Manulife Financial
P.O. Box 4262, Stn A
Toronto, ON, M5W 5T4

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: 1-866-228-6386 (toll-free within North America) from 8:30 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:
No premium will be refunded if a claim has been paid or is pending under your insurance. A $25 administration fee will be charged if the policy is cancelled at any time.
For inquired contact:
21st Century Travel Insurance Limited
995 Elgin Street West, Suite 4
Cobourg, Ontario K9A 5J3
Toll-free 1-800-567-0021 or 905-372-1779
from 9AM to 5PM EST.

EXTENTIONS:
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.

SIDE TRIPS:
This insurance provides coverage for up to 30 days while traveling outside Canada as long as you spend not less than 51% of your time in Canada. You may purchase also coverage for up to 15 days before and 15 days after your time spend in Canada as long as the maximum period for your side trips does not exceed 30 days. Coverage is provided for uninterrupted flights to and from Canada, if insurance was purchased prior to leaving the country of origin. You are not covered under this insurance policy in your country of origin. An uninterrupted flight shall include a stop-over provided you do not leave the airport.

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:

Notes:
Applicant age 86 and over must complete a medical declaration to determine eligibility.
- Applicants under age 70 are automatically covered for "stable chronic conditions"
- $50.00 deductible per claim. (age 86 or greater - $500 deductible). $0 deductible option is also available for visitors up to age 85.
- Maximum length of coverage is 365 days.
(age 86 or greater, coverage can be purchased to insure up to the first 180 days in Canada)
- Family rate - is twice the older adult rate.
- 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.

- $50.00 deductible per claim. $0 deductible option is also available for visitors up to age 85.
- Maximum length of coverage is 365 days
- Applicants age 70 to 85 who wish to purchase this option must complete the Medical Declaration to determine eligibility for coverage.
RATE TABLE GUIDE:

* 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 the Stable Chronic Condition Option?
When this option is automatically included or purchased for the extra premium found in Table 2, the Pre-existing Condition Exclusion in the policy will not apply to Insured Services incurred after any applicable Waiting Period to respond to a Stable Chronic Condition (as defined in the policy).

Note that, even with this option included, conditions that do not fit the definition of Stable Chronic Condition are still subject to the regular exclusion (reproduced below).

Pre-existing Condition Exclusion:
21ST Century Travel Insurance Inc. will not reimburse you for Insured Services arising from any sickness, disease or bodily injury which had manifested itself in the 180-day period immediately preceding the Effective Date of this Policy.

Unexpected Emergency sickness, disease or bodily injury shall be considered to have manifested itself when:
- medical care, advice, investigation or treatment has been received, or
- drugs or medicines have been taken or prescribed to treat the sickness, disease or bodily injury, or
you have experienced symptoms which would cause a reasonable prudent person to seek diagnosis, care or treatment.
Under this exclusion, 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 that new effective date.

Note: This information is an illustration only. It is not an insurance policy. Travel insurance does not cover everything. For the complete terms, conditions, limitations and exclusions please see the policy wording online or refer to your policy booklet.

DOWNLOADS:

21st Century Travel Insurance Inc.
Visitors Insurance Policy PDF

21st Century Travel Insurance Inc.
Visitors Rates PDF

21st Century Travel Insurance Inc.
Visitors Claim Form PDF

21st Century Travel Insurance Inc.
Medical Declaration PDF

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