21st Century Visitors to Canada Insurance Rates
Standard Plan (No pre-existing conditions)
Single Coverage Daily Rates – $0 Deductible
| Age Band |
$15,000 |
$25,000 |
$50,000 |
$100,000 |
$150,000 |
$200,000 |
| 0 – 25 |
$1.87 |
$1.99 |
$2.19 |
$2.94 |
$3.51 |
$4.54 |
| 26 – 34 |
$2.18 |
$2.33 |
$2.54 |
$3.63 |
$4.48 |
$5.75 |
| 35 – 39 |
$2.24 |
$2.38 |
$2.60 |
$3.70 |
$4.60 |
$5.90 |
| 40 – 54 |
$2.45 |
$2.80 |
$3.21 |
$4.56 |
$5.65 |
$6.35 |
| 55 – 59 |
$2.48 |
$2.80 |
$3.21 |
$4.56 |
$5.71 |
$6.48 |
| 60 – 64 |
$2.88 |
$3.55 |
$4.27 |
$5.10 |
$6.34 |
$6.76 |
| 65 – 69 |
$3.27 |
$3.97 |
$4.74 |
$6.53 |
$7.34 |
$7.97 |
| 70 – 74 |
$5.16 |
$5.53 |
$7.93 |
$8.98 |
$11.03 |
$13.22 |
| 75 – 79 |
$6.35 |
$6.53 |
$9.21 |
$11.15 |
$12.61 |
$14.06 |
| 80 – 85 |
$9.26 |
$10.70 |
$11.53 |
$17.14 |
$22.12 |
$29.23 |
Family Coverage Daily Rates – $0 Deductible
| Age Band |
$15,000 |
$25,000 |
$50,000 |
$100,000 |
$150,000 |
$200,000 |
| 0 – 25 |
$3.74 |
$3.98 |
$4.38 |
$5.88 |
$7.02 |
$9.08 |
| 26 – 34 |
$4.36 |
$4.66 |
$5.08 |
$7.26 |
$8.96 |
$11.50 |
| 35 – 39 |
$4.48 |
$4.76 |
$5.20 |
$7.40 |
$9.20 |
$11.80 |
| 40 – 54 |
$4.90 |
$5.60 |
$6.42 |
$9.12 |
$11.30 |
$12.70 |
enhanced Plan (Stable pre-existing conditions)
Single Coverage Daily Rates – $0 Deductible
| Age Band |
$15,000 |
$25,000 |
$50,000 |
$100,000 |
$150,000 |
$200,000 |
| 0 – 25 |
$2.58 |
$2.75 |
$3.09 |
$4.13 |
$4.83 |
$6.26 |
| 26 – 34 |
$2.79 |
$2.98 |
$3.35 |
$4.43 |
$5.39 |
$6.94 |
| 35 – 39 |
$2.91 |
$3.03 |
$3.37 |
$4.72 |
$5.62 |
$7.10 |
| 40 – 54 |
$3.09 |
$3.52 |
$4.01 |
$5.78 |
$6.91 |
$8.62 |
| 55 – 59 |
$3.47 |
$3.70 |
$4.30 |
$6.30 |
$7.57 |
$9.19 |
| 60 – 64 |
$4.35 |
$4.80 |
$5.84 |
$7.51 |
$8.90 |
$9.94 |
| 65 – 69 |
$5.08 |
$5.66 |
$6.67 |
$8.93 |
$10.28 |
$11.77 |
| 70 – 74 |
$7.51 |
$8.32 |
$10.20 |
$12.83 |
$14.33 |
$19.01 |
| 75 – 79 |
$8.90 |
$10.17 |
$13.39 |
$15.95 |
$17.70 |
$21.60 |
| 80 – 85 |
$13.29 |
$15.53 |
$18.27 |
$21.42 |
$27.65 |
$34.78
|
Family Coverage Daily Rates – $0 Deductible
| Age Band |
$15,000 |
$25,000 |
$50,000 |
$100,000 |
$150,000 |
$200,000 |
| 0 – 25 |
$5.16 |
$5.50 |
$6.18 |
$8.26 |
$9.66 |
$12.52 |
| 26 – 34 |
$5.58 |
$5.96 |
$6.70 |
$8.86 |
$10.78 |
$13.88 |
| 35 – 39 |
$5.82 |
$6.06 |
$6.74 |
$9.44 |
$11.24 |
$14.20 |
| 40 – 54 |
$6.18 |
$7.04 |
$8.02 |
$11.56 |
$13.82 |
$17.24 |
21st Century Super Visa Insurance Rates
Standard Plan (No pre-existing conditions)
Single Coverage Annual Rates – $0 Deductible:
| Age Range |
$100,000 |
$150,000 |
$200,000 |
| 0 – 25 |
$1,073.10 |
$1,281.15 |
$1,657.10 |
| 26 – 34 |
$1,324.95 |
$1,635.20 |
$2,098.75 |
| 35 – 39 |
$1,350.50 |
$1,679.00 |
$2,153.50 |
| 40 – 54 |
$1,664.40 |
$2,062.25 |
$2,317.75 |
| 55 – 59 |
$1,664.40 |
$2,084.15 |
$2,365.20 |
| 60 – 64 |
$1,861.50 |
$2,314.10 |
$2,467.40 |
| 65 – 69 |
$2,383.45 |
$2,679.10 |
$2,909.05 |
| 70 – 74 |
$3,277.70 |
$4,025.95 |
$4,825.30 |
| 75 – 79 |
$4,069.75 |
$4,602.65 |
$5,131.90 |
| 80 – 85 |
$6,256.10 |
$8,073.80 |
$10,668.95 |
Enhanced Plan (Stable pre-existing conditions)
Single Coverage Daily Rates – $0 Deductible
| Age Range |
$100,000 |
$150,000 |
$200,000 |
| 0 – 25 |
$1,507.45 |
$1,762.95 |
$2,284.90 |
| 26 – 34 |
$1,616.95 |
$1,967.35 |
$2,533.10 |
| 35 – 39 |
$1,722.80 |
$2,051.30 |
$2,591.50 |
| 40 – 54 |
$2,109.70 |
$2,522.15 |
$3,146.30 |
| 55 – 59 |
$2,299.50 |
$2,763.05 |
$3,354.35 |
| 60 – 64 |
$2,741.15 |
$3,248.50 |
$3,628.10 |
| 65 – 69 |
$3,259.45 |
$3,752.20 |
$4,296.05 |
| 70 – 74 |
$4,682.95 |
$5,230.45 |
$6,938.65 |
| 75 – 79 |
$5,821.75 |
$6,460.50 |
$7,884.00 |
| 80 – 85 |
$7,818.30 |
$10,092.25 |
$12,694.70 |
Surcharges for 730-Day Policies
These surcharges apply only to the Monthly Payment Plan.
| Age Band |
Premium Surcharge |
| Age 0 to 69 |
+ 3.1% |
| Age 70 to 85 |
+ 4.1% |
| Age 86 and over |
+ 5.1% |
Deductible Amount Options
| Deductible Amount (CDN $) |
Discount to Apply |
Age Availability |
Comments |
| $0 |
Use Rate Table |
All Ages |
Standard Rate |
| $100 |
-5% |
All Ages |
— |
| $250 |
-10% |
All Ages |
— |
| $500 |
-15% |
All Ages |
— |
| $1,000 |
-20% |
All Ages |
— |
| $2,500 (Disappearing)* |
-30% |
Up to Age 85 |
Standard & Enhanced plans only; For $25,000 Coverage Amount |
| $2,500 (Disappearing)* |
-25% |
Up to Age 85 |
Standard & Enhanced plans only; For $50,000 Coverage Amount |
| $2,500 (Disappearing)* |
-20% |
Up to Age 85 |
Standard & Enhanced plans only; For $100,000 Coverage Amount |
| $5,000 |
-35% |
All Ages |
— |
| $10,000 |
-40% |
All Ages |
— |
DEDUCTIBLES:
All deductibles on the Enhanced and Standard Plans except for the Disappearing Deductible are per person per policy.
The Disappearing Deductible is per person, per sickness-related claim.
All deductibles on the Basic Plan are per person, per claim.
What is the Disappearing Deductible option? The disappearing deductible option is available to any applicant who purchases an Aggregate Policy Limit (APL) of $25,000, $50,000, or $100,000 on the Standard or Enhanced Plans. A $2,500 deductible 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 for applicants who purchase the Disappearing Deductible option.
NOTES:
– Applicants ages 55 to 85 who wish to purchase Enhanced Plan must complete the Medical Declaration to determine eligibility for coverage.
– 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 Companions Savings cannot be applied to Family Rates.
– 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.
– $25,000 Accidental Death & Dismemberment: In addition to the selected Aggregate Policy Limit (APL), $25,000 Accidental Death and Dismemberment coverage is automatically included for ALL applicants when they purchase the Standard or Enhanced Plans.
