How much does the 21st Century Basic Plan for visitors to Canada cost?

The 21st Century Basic Plan starts at $1.59 per day for a visitor aged 0–25 with $15,000 coverage and a $0 deductible, $1.70 per day for ages 26–34, $1.85 per day for ages 40–54 and $2.58 per day for ages 60–64. At $100,000 coverage the rate starts at $2.44 per day for ages 0–25. The Basic Plan is the lowest-priced 21st Century visitor plan because it excludes pre-existing medical conditions.

What is the price difference between the 21st Century Basic Plan and the Standard Plan?

The Basic Plan is substantially cheaper. For a visitor aged 60–64 with $100,000 coverage and a $0 deductible, the 21st Century Basic Plan costs $4.09 per day compared with $5.10 per day on the Standard Plan and $5.69 per day on the Enhanced Plan. The Standard Plan costs more because it excludes only conditions from the 180 days before the effective date, while the Basic Plan excludes all pre-existing conditions.

Does the 21st Century Basic Plan cover pre-existing medical conditions?

No. All 21st Century Basic Plan rates exclude coverage for any medical condition that existed before the effective date of the policy. Visitors with a stable pre-existing condition should consider the 21st Century Enhanced Plan instead.

What are the 21st Century Basic Plan daily rates by age group?

At $100,000 coverage with a $0 deductible, the 21st Century Basic Plan single daily rate is $2.44 for ages 0–25, $2.73 for ages 26–34, $2.92 for ages 35–39, $3.55 for ages 40–54, $3.80 for ages 55–59, $4.09 for ages 60–64, $4.95 for ages 65–69, $7.42 for ages 70–74, $9.17 for ages 75–79, $14.04 for ages 80–85 and $18.85 for ages 86 and over.

Which age does 21st Century use to calculate the Basic Plan rate?

21st Century uses the applicant's age on the effective date of the policy. A visitor who is 85 on the start date pays the 80–85 rate for the whole policy, even if they turn 86 during the coverage.

Can visitors aged 86 and over buy 21st Century visitor insurance?

Yes. The 21st Century Basic Plan is the only 21st Century Visitors to Canada plan available to applicants aged 86 and over. At a $0 deductible the 86+ daily rate is $13.00 for $15,000 coverage, $18.85 for $100,000 and $32.50 for $200,000; a 365-day Super Visa policy with $100,000 coverage costs $6,880.25. Pre-existing conditions are not covered at any age on the Basic Plan.

Does the 21st Century Basic Plan meet Super Visa insurance requirements?

Yes. A 21st Century Basic Plan policy with at least $100,000 coverage for 365 days meets the Super Visa insurance requirement. Annual $100,000 premiums with a $0 deductible are $890.60 for ages 0–25, $1,295.75 for ages 40–54, $1,492.85 for ages 60–64, $2,708.30 for ages 70–74, $5,124.60 for ages 80–85 and $6,880.25 for ages 86 and over. Because the Basic Plan excludes pre-existing conditions, parents or grandparents with an existing condition should compare the Enhanced Plan before choosing it for a Super Visa.

How much can I save on the 21st Century Basic Plan with a deductible?

21st Century Basic Plan deductibles reduce the premium by 5% for $100, 10% for $250, 15% for $500, 20% for $1,000, 35% for $5,000 and 40% for $10,000. The $2,500 Disappearing Deductible is not offered on the Basic Plan. We do not recommend a high deductible such as $5,000 or $10,000 on a Super Visa policy, because the deductible may be added to the income the sponsoring child or grandchild must show for the application; a $0 or $1,000 deductible is the usual choice.

Is there a waiting period on the 21st Century Basic Plan?

Only for sickness, and only if the policy is bought after arrival in Canada. There is no waiting period when the 21st Century Basic Plan is purchased before arrival. If it is bought within 30 days of arrival, a 72-hour waiting period applies to sickness; after 30 days, the waiting period is 7 days (ages 0–85). For applicants aged 86 and over, the Basic Plan waiting period is 15 days. Injuries are covered from the effective date. Any sickness that begins during the waiting period is not covered, even if the expenses come later.

Can I buy the 21st Century Basic Plan for a short stay in Canada?

Yes. The 21st Century Basic Plan is sold by the day, so a policy can cover a stay as short as a few days, subject to the $25 minimum premium. Coverage can be purchased for up to 365 days on one policy, or 730 days on the Monthly Payment Plan.

What does the 21st Century Basic Plan cover?

The 21st Century Basic Plan covers emergency medical treatment for sudden illness or injury in Canada, including hospital care, physician services, diagnostic tests, prescription drugs, ambulance transportation, emergency air evacuation and emergency return home, up to the coverage amount selected: $15,000, $25,000, $50,000, $100,000, $150,000 or $200,000. Pre-existing medical conditions are excluded.

Is a medical questionnaire required for the 21st Century Basic Plan?

No. Because the 21st Century Basic Plan excludes all pre-existing conditions, no Medical Declaration is required at any age. The Medical Declaration applies only to applicants aged 55–85 who want pre-existing condition coverage under the Enhanced Plan.

Can I switch from the 21st Century Basic Plan to the Standard or Enhanced Plan?

Before the effective date, contact Easy Links Financial to change the plan. After the policy has started, a visitor can buy a Standard or Enhanced policy to follow the Basic policy, but a waiting period applies to the newly added pre-existing condition coverage when the two policies run back to back.

Are 21st Century Basic Plan premiums refundable if the visitor returns home early?

Yes, provided no claim has been paid or denied. 21st Century refunds the unused premium on a prorated basis from the date it receives proof of departure, such as return tickets and a stamped passport or boarding passes, subject to a $25 minimum premium and a $25 processing fee. If the visa is refused before the policy takes effect, the full premium is refunded with proof of refusal submitted within 30 days.

How are family rates calculated on the 21st Century Basic Plan?

The 21st Century Basic Plan family rate is 2 times the premium of the oldest applicant, and family rates are published for an oldest applicant aged up to 54. A family means up to two parents or legal guardians plus their unmarried dependent children under 22 travelling with them, or three or more siblings under 22. For ages 40–54 with $100,000 coverage and a $0 deductible, the family daily rate is $7.10. The 5% Travel Companion Savings for travellers buying together cannot be combined with the family rate.

Who underwrites the 21st Century Basic Plan?

The 21st Century Basic Plan is underwritten by The Manufacturers Life Insurance Company (Manulife Financial). 21st Century administers the plan and handles policy issuance, claims and 24/7 emergency assistance.

How do I apply for the 21st Century Basic Plan online?

Complete the short online application at VisitorsInsurance.ca. Easy Links Financial Inc., 21st Century's authorized broker, reviews the application and emails a secure payment link; once payment is received, 21st Century issues the policy and emails the confirmation and policy documents.

21st Century Basic Plan Visitors Insurance – RATES

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Administered by:

21st Century Visitors Insurance

Underwritten by:

The Manufactures Life Insurance Company (Manulife Financial).

24/7 Emergency Assistance Center:

Active Care Management.

21st Century Basic Visitors Insurance Rates

Single Plans: Daily Rates – $0 Deductible

Age Range	$15,000	$25,000	$50,000	$100,000	$150,000	$200,000
0 – 25	$1.59	$1.70	$1.86	$2.44	$2.92	$3.98
26 – 34	$1.70	$1.80	$1.96	$2.73	$3.34	$4.56
35 – 39	$1.80	$1.91	$2.12	$2.92	$3.50	$4.66
40 – 54	$1.85	$2.06	$2.37	$3.55	$4.17	$5.41
55 – 59	$2.06	$2.21	$2.55	$3.80	$4.48	$5.82
60 – 64	$2.58	$2.88	$3.45	$4.09	$5.20	$6.44
65 – 69	$2.99	$3.35	$3.97	$4.95	$6.02	$7.73
70 – 74	$4.38	$4.89	$5.87	$7.42	$8.50	$12.36
75 – 79	$5.15	$5.67	$7.52	$9.17	$10.56	$13.91
80 – 85	$8.97	$10.34	$12.09	$14.04	$18.85	$24.51
86 +	$13.00	$16.25	$17.55	$18.85	$23.40	$32.50

Family Plans: Daily Rates – $0 Deductible

Age Range	$15,000	$25,000	$50,000	$100,000	$150,000	$200,000
0 – 25	$3.18	$3.40	$3.72	$4.88	$5.84	$7.96
26 – 34	$3.40	$3.60	$3.92	$5.46	$6.68	$9.12
35 – 39	$3.60	$3.82	$4.24	$5.84	$7.00	$9.32
40 – 54	$3.70	$4.12	$4.74	$7.10	$8.34	$10.82

21st Century Basic Super Visa Insurance Rates

Single Plans: Annual Rates – $0 Deductible

Age Range	$100,000	$150,000	$200,000
0 – 25	$890.60	$1,065.80	$1,452.70
26 – 34	$996.45	$1,219.10	$1,664.40
35 – 39	$1,065.80	$1,277.50	$1,700.90
40 – 54	$1,295.75	$1,522.05	$1,974.65
55 – 59	$1,387.00	$1,635.20	$2,124.30
60 – 64	$1,492.85	$1,898.00	$2,350.60
65 – 69	$1,806.75	$2,197.30	$2,821.45
70 – 74	$2,708.30	$3,102.50	$4,511.40
75 – 79	$3,347.05	$3,854.40	$5,077.15
80 – 85	$5,124.60	$6,880.25	$8,946.15
86 +	$6,880.25	$8,541.00	$11,862.50

Deductibles

All deductibles on the Basic Plan are per person, per claim.

Deductible Amount (CDN $)	Surcharge or Discount to Apply
$0	Use Rate Table
$100	-5%
$250	-10%
$500	-15%
$1,000	-20%
$5,000	-35%
$10,000	-40%

Notes

All rates exclude coverage for pre-existing conditions that existed prior to the Effective Date.
Minimum policy premium is $25.00.
Family Rates: Charge 2x the oldest applicant’s total premium. Family is defined as a maximum of two parent(s) or legal guardian(s) plus their unmarried children under age 22 dependent on them for their sole means of support and visiting Canada with them. It can also mean three or more siblings under age 22.
Travel Companion Savings of 5% applies to each traveller purchasing this coverage and travelling together. Travel Companion Savings cannot be applied to Family Rates.
Maximum Coverage Period: Coverage is available for up to 365 days under one policy (730 days is available if purchasing under the Monthly Payment Plan).

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21st Century Basic Plan Rates – Frequently Asked Questions

How much does the 21st Century Basic Plan for visitors to Canada cost?
The 21st Century Basic Plan starts at $1.59 per day for a visitor aged 0–25 with $15,000 coverage and a $0 deductible, $1.70 per day for ages 26–34, $1.85 per day for ages 40–54 and $2.58 per day for ages 60–64. At $100,000 coverage the rate starts at $2.44 per day for ages 0–25. The Basic Plan is the lowest-priced 21st Century visitor plan because it excludes pre-existing medical conditions.
What is the price difference between the 21st Century Basic Plan and the Standard Plan?
The Basic Plan is substantially cheaper. For a visitor aged 60–64 with $100,000 coverage and a $0 deductible, the 21st Century Basic Plan costs $4.09 per day compared with $5.10 per day on the Standard Plan and $5.69 per day on the Enhanced Plan. The Standard Plan costs more because it excludes only conditions from the 180 days before the effective date, while the Basic Plan excludes all pre-existing conditions.
Does the 21st Century Basic Plan cover pre-existing medical conditions?
What are the 21st Century Basic Plan daily rates by age group?
Which age does 21st Century use to calculate the Basic Plan rate?
Can visitors aged 86 and over buy 21st Century visitor insurance?
Does the 21st Century Basic Plan meet Super Visa insurance requirements?
Yes. A 21st Century Basic Plan policy with at least $100,000 coverage for 365 days meets the Super Visa insurance requirement. Annual $100,000 premiums with a $0 deductible are $890.60 for ages 0–25, $1,295.75 for ages 40–54, $1,492.85 for ages 60–64, $2,708.30 for ages 70–74, $5,124.60 for ages 80–85 and $6,880.25 for ages 86 and over. Because the Basic Plan excludes pre-existing conditions, parents or grandparents with an existing condition should compare the Enhanced Plan before choosing it for a Super Visa.
How much can I save on the 21st Century Basic Plan with a deductible?
21st Century Basic Plan deductibles reduce the premium by 5% for $100, 10% for $250, 15% for $500, 20% for $1,000, 35% for $5,000 and 40% for $10,000. The $2,500 Disappearing Deductible is not offered on the Basic Plan. We do not recommend a high deductible such as $5,000 or $10,000 on a Super Visa policy, because the deductible may be added to the income the sponsoring child or grandchild must show for the application; a $0 or $1,000 deductible is the usual choice.
Is there a waiting period on the 21st Century Basic Plan?
Only for sickness, and only if the policy is bought after arrival in Canada. There is no waiting period when the 21st Century Basic Plan is purchased before arrival. If it is bought within 30 days of arrival, a 72-hour waiting period applies to sickness; after 30 days, the waiting period is 7 days (ages 0–85). For applicants aged 86 and over, the Basic Plan waiting period is 15 days. Injuries are covered from the effective date. Any sickness that begins during the waiting period is not covered, even if the expenses come later.
Can I buy the 21st Century Basic Plan for a short stay in Canada?
What does the 21st Century Basic Plan cover?
The 21st Century Basic Plan covers emergency medical treatment for sudden illness or injury in Canada, including hospital care, physician services, diagnostic tests, prescription drugs, ambulance transportation, emergency air evacuation and emergency return home, up to the coverage amount selected: $15,000, $25,000, $50,000, $100,000, $150,000 or $200,000. Pre-existing medical conditions are excluded.
Is a medical questionnaire required for the 21st Century Basic Plan?
Can I switch from the 21st Century Basic Plan to the Standard or Enhanced Plan?
Are 21st Century Basic Plan premiums refundable if the visitor returns home early?
Yes, provided no claim has been paid or denied. 21st Century refunds the unused premium on a prorated basis from the date it receives proof of departure, such as return tickets and a stamped passport or boarding passes, subject to a $25 minimum premium and a $25 processing fee. If the visa is refused before the policy takes effect, the full premium is refunded with proof of refusal submitted within 30 days.
How are family rates calculated on the 21st Century Basic Plan?
The 21st Century Basic Plan family rate is 2 times the premium of the oldest applicant, and family rates are published for an oldest applicant aged up to 54. A family means up to two parents or legal guardians plus their unmarried dependent children under 22 travelling with them, or three or more siblings under 22. For ages 40–54 with $100,000 coverage and a $0 deductible, the family daily rate is $7.10. The 5% Travel Companion Savings for travellers buying together cannot be combined with the family rate.
Who underwrites the 21st Century Basic Plan?
How do I apply for the 21st Century Basic Plan online?

Ready to apply? Complete the short online application below and it comes directly to us at Easy Links Financial Inc., 21st Century’s authorized broker. We review it, email you a secure payment link, and once payment is received 21st Century issues your policy and emails your confirmation and policy documents. Questions before you apply? Call us and a licensed broker will help.

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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.