What are the daily rates for 21st Century Visitors to Canada Insurance?

21st Century Visitors to Canada Insurance starts at $2.35 per day on the Standard Plan and $2.52 per day on the Enhanced Plan for a visitor aged 0–25 with $15,000 coverage and a $0 deductible. At $100,000 coverage the same age group pays $3.57 per day (Standard) or $3.77 per day (Enhanced). Rates rise with age and coverage amount, up to $200,000 coverage.

Which age does 21st Century use to calculate the visitor insurance rate?

21st Century uses the applicant's age on the effective date of the policy. A visitor who is 64 on the start date pays the 60–64 rate for the whole policy, even if they turn 65 during the coverage.

Does 21st Century visitor insurance cover pre-existing conditions, and how does it affect the rate?

Yes, on the Enhanced Plan. The 21st Century Enhanced Plan covers stable pre-existing medical conditions; applicants aged 55–85 must complete a Medical Declaration to qualify. The Standard Plan does not cover pre-existing conditions. For a visitor aged 60–64 with $100,000 coverage, the Enhanced Plan costs $5.69 per day compared with $5.10 per day on the Standard Plan.

How do 21st Century rates compare for $50,000 versus $100,000 coverage?

For a visitor aged 40–54 on the 21st Century Standard Plan with a $0 deductible, $50,000 coverage costs $3.46 per day and $100,000 coverage costs $4.65 per day. Choosing $100,000 coverage also automatically provides $150,000 of coverage for accidental bodily injury.

What deductible options are available to lower 21st Century visitor insurance premiums?

21st Century offers deductibles of $100 (5% discount), $250 (10%), $500 (15%), $1,000 (20%), $5,000 (35%) and $10,000 (40%), plus a $2,500 Disappearing Deductible (20% to 30% discount). With the Disappearing Deductible, the $2,500 applies only to sickness claims of $2,500 or less; it is waived entirely when eligible expenses for a sickness claim exceed $2,500, and it does not apply at all to injury claims. All other deductibles are per person, per policy.

What is the annual premium for a 21st Century Super Visa insurance policy?

For a single applicant aged 60–64 with $100,000 coverage and a $0 deductible, a 365-day 21st Century Super Visa policy costs $1,861.50 on the Standard Plan and $2,076.85 on the Enhanced Plan. Super Visa insurance requires a minimum of $100,000 coverage for 365 days.

Can I choose a deductible on a 21st Century Super Visa policy?

Yes. A 21st Century Super Visa policy must have at least $100,000 coverage for 365 days, and any deductible can be selected with the same discounts, from 5% for a $100 deductible to 40% for a $10,000 deductible. We do not recommend a high deductible such as $10,000 on a Super Visa policy: the deductible may be added to the income the sponsoring child or grandchild must show for the Super Visa application, so a large deductible can work against the application. A $0 deductible, or the $2,500 Disappearing Deductible, is the usual choice for Super Visa insurance.

Does 21st Century offer a monthly payment plan for visitor insurance?

Yes. 21st Century offers a Monthly Payment Plan with a two-month deposit and a $50 policy fee. Policies of 730 days are available only on the Monthly Payment Plan and carry a surcharge of 3.1% for ages 0–69, 4.1% for ages 70–85 and 5.1% for ages 86 and over.

How does age affect 21st Century visitor insurance rates for seniors over 70?

21st Century rates increase with age. On the Enhanced Plan with $100,000 coverage and a $0 deductible, the daily rate is $12.17 for ages 70–74, $15.65 for ages 75–79 and $24.22 for ages 80–85. The Standard Plan at the same coverage costs $10.36, $13.30 and $19.32 per day respectively. Visitors aged 86 and over are eligible for the 21st Century Basic Plan, which has its own rate table.

Will 21st Century refund my premium if my Canadian visa or Super Visa is refused?

Yes. If the visa application is denied by the Government of Canada, or formally withdrawn, before the policy takes effect, 21st Century refunds the full premium. Proof of the denial or withdrawal must be sent with a written refund request within 30 days of the decision. If Canada issues a different entry permit than the one applied for, a full refund can be requested as long as 21st Century receives the request before entry into Canada. On the Monthly Payment Plan the $50 policy fee is not refundable.

Can I get a partial refund from 21st Century if I leave Canada early or get provincial health coverage?

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 that the visitor has left Canada (return tickets and stamped passport, or boarding passes) or has become covered by a provincial government health plan. Proof of departure received within 30 days can be backdated to the departure date, up to a maximum of 60 days. Partial refunds are subject to a $25 minimum premium and a $25 processing fee. Refunds go back to the credit card used for purchase.

What happens to my 21st Century policy if I never travel to Canada?

Cancellation for non-arrival may be considered, but if the policy was used to support a visa application, 21st Century must keep the policy on file for a minimum of two years before a cancellation can be reviewed. After that period, once 21st Century is satisfied the insured has not travelled and will not travel to Canada, the premium is refunded less a $25 processing fee. Other cancellations of a policy issued for a visa application are subject to a $250 processing fee.

Is there a waiting period if I buy 21st Century insurance after arriving in Canada?

Yes, for sickness. There is no waiting period when a 21st Century policy is purchased before arrival in Canada. If the policy is bought within 30 days of arrival, a 72-hour waiting period applies to sickness; if it is bought more than 30 days after arrival, the waiting period is 7 days (ages 0–85; 15 days on the Basic Plan for ages 86 and over). Any sickness that appears during the waiting period is not covered, even if the expenses come later. Injuries are covered from the effective date. A waiting period also applies if you backdate the effective date, lower your deductible, or upgrade to pre-existing condition coverage on a consecutive policy. If you had coverage with another insurer with no gap, you can ask 21st Century to waive the waiting period using a Special Consideration Form.

What medical expenses does the 21st Century daily rate cover?

The 21st Century daily rate covers emergency medical treatment for sudden illness or injury in Canada, including hospital room and board, physician services, diagnostic tests, prescription drugs, ambulance transportation, emergency dental treatment and emergency return home. $25,000 of Accidental Death and Dismemberment coverage is automatically included on both the Standard and Enhanced Plans.

How are family rates calculated for 21st Century visitor insurance?

The 21st Century family rate is 2 times the total premium of the oldest applicant. A family means up to two parents or legal guardians plus their unmarried dependent children under age 22 travelling with them, or three or more siblings under age 22. For ages 40–54 with $100,000 coverage and a $0 deductible, the family daily rate is $9.30 on the Standard Plan and $9.78 on the Enhanced Plan. The minimum premium on any policy is $25.

Can I extend my 21st Century policy while I am in Canada?

Yes, subject to eligibility and provided no claim has been made. A 21st Century policy can be extended up to the 365-day maximum, or 730 days on the Monthly Payment Plan. There is no waiting period on an extension of the same policy. The extension is charged at the rates in effect at the time it is purchased.

Who underwrites 21st Century Visitors Insurance?

21st Century Visitors Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife Financial), one of Canada's largest insurers. 21st Century administers the plans and handles policy issuance, claims and 24/7 emergency assistance.

Is there a discount for travellers buying 21st Century insurance together?

Yes. The Travel Companion Savings gives a 5% discount per traveller when two or more travellers purchase together. It cannot be combined with the family rate. Quotes and purchase are available online at VisitorsInsurance.ca.

21st Century 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 Visitors to Canada Insurance Rates

Standard Plan (No pre-existing conditions)

Single Coverage Daily Rates – $0 Deductible

Age Range	$15,000	$25,000	$50,000	$100,000	$150,000	$200,000
0 – 25	$2.35	$2.43	$2.80	$3.57	$4.52	$6.02
26 – 34	$2.40	$2.60	$3.00	$3.61	$4.98	$6.63
35 – 39	$2.51	$2.74	$3.15	$3.74	$5.03	$6.66
40 – 54	$2.50	$2.96	$3.46	$4.65	$5.98	$6.71
55 – 59	$2.53	$3.01	$3.51	$4.80	$6.03	$7.07
60 – 64	$3.29	$4.06	$4.78	$5.10	$6.56	$8.00
65 – 69	$3.84	$4.66	$5.59	$7.24	$8.11	$9.43
70 – 74	$6.03	$6.47	$8.55	$10.36	$12.06	$15.46
75 – 79	$7.56	$7.79	$11.07	$13.30	$15.30	$18.24
80 – 85	$12.87	$14.89	$16.85	$19.32	$27.50	$32.29

Family Coverage Daily Rates – $0 Deductible

Age Range	$15,000	$25,000	$50,000	$100,000	$150,000	$200,000
0 – 25	$4.70	$4.86	$5.60	$7.14	$9.04	$12.04
26 – 34	$4.80	$5.20	$6.00	$7.22	$9.96	$13.26
35 – 39	$5.02	$5.48	$6.30	$7.48	$10.06	$13.32
40 – 54	$5.00	$5.92	$6.92	$9.30	$11.96	$13.42

Enhanced Plan (Stable pre-existing conditions)

Single Coverage Daily Rates – $0 Deductible

Age Range	$15,000	$25,000	$50,000	$100,000	$150,000	$200,000
0 – 25	$2.52	$2.69	$3.01	$3.77	$4.73	$6.35
26 – 34	$2.72	$2.90	$3.27	$3.92	$5.26	$7.04
35 – 39	$2.84	$2.96	$3.29	$4.00	$5.29	$7.21
40 – 54	$3.01	$3.43	$3.92	$4.89	$6.57	$8.75
55 – 59	$3.29	$3.51	$4.08	$5.18	$6.86	$9.33
60 – 64	$4.12	$4.55	$5.53	$5.69	$7.16	$10.09
65 – 69	$4.82	$5.37	$6.32	$8.48	$9.75	$11.95
70 – 74	$7.13	$7.90	$9.68	$12.17	$14.06	$19.96
75 – 79	$8.74	$9.98	$13.15	$15.65	$17.38	$22.68
80 – 85	$15.03	$17.55	$20.66	$24.22	$31.25	$39.31

Family Coverage Daily Rates – $0 Deductible

Age Range	$15,000	$25,000	$50,000	$100,000	$150,000	$200,000
0 – 25	$5.04	$5.38	$6.02	$7.54	$9.46	$12.70
26 – 34	$5.44	$5.80	$6.54	$7.84	$10.52	$14.08
35 – 39	$5.68	$5.92	$6.58	$8.00	$10.58	$14.42
40 – 54	$6.02	$6.86	$7.84	$9.78	$13.14	$17.50

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	$1,303.05	$1,649.80	$2,197.30
26 – 34	$1,317.65	$1,817.70	$2,419.95
35 – 39	$1,365.10	$1,835.95	$2,430.90
40 – 54	$1,697.25	$2,182.70	$2,449.15
55 – 59	$1,752.00	$2,200.95	$2,580.55
60 – 64	$1,861.50	$2,394.40	$2,920.00
65 – 69	$2,642.60	$2,960.15	$3,441.95
70 – 74	$3,781.40	$4,401.90	$5,642.90
75 – 79	$4,854.50	$5,584.50	$6,657.60
80 – 85	$7,051.80	$10,037.50	$11,785.85

Enhanced Plan (Stable pre-existing conditions)

Single Coverage Annual Rates – $0 Deductible

Age Range	$100,000	$150,000	$200,000
0 – 25	$1,376.05	$1,726.45	$2,317.75
26 – 34	$1,430.80	$1,919.90	$2,569.60
35 – 39	$1,460.00	$1,930.85	$2,631.65
40 – 54	$1,784.85	$2,398.05	$3,193.75
55 – 59	$1,890.70	$2,503.90	$3,405.45
60 – 64	$2,076.85	$2,613.40	$3,682.85
65 – 69	$3,095.20	$3,558.75	$4,361.75
70 – 74	$4,442.05	$5,131.90	$7,285.40
75 – 79	$5,712.25	$6,343.70	$8,278.20
80 – 85	$8,840.30	$11,406.25	$14,348.15

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 the 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 Companion 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.

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21st Century Visitors Insurance Rates – Frequently Asked Questions

What are the daily rates for 21st Century Visitors to Canada Insurance?
Which age does 21st Century use to calculate the visitor insurance rate?
Does 21st Century visitor insurance cover pre-existing conditions, and how does it affect the rate?
How do 21st Century rates compare for $50,000 versus $100,000 coverage?
What deductible options are available to lower 21st Century visitor insurance premiums?
21st Century offers deductibles of $100 (5% discount), $250 (10%), $500 (15%), $1,000 (20%), $5,000 (35%) and $10,000 (40%), plus a $2,500 Disappearing Deductible (20% to 30% discount). With the Disappearing Deductible, the $2,500 applies only to sickness claims of $2,500 or less; it is waived entirely when eligible expenses for a sickness claim exceed $2,500, and it does not apply at all to injury claims. All other deductibles are per person, per policy.
What is the annual premium for a 21st Century Super Visa insurance policy?
Can I choose a deductible on a 21st Century Super Visa policy?
Yes. A 21st Century Super Visa policy must have at least $100,000 coverage for 365 days, and any deductible can be selected with the same discounts, from 5% for a $100 deductible to 40% for a $10,000 deductible. We do not recommend a high deductible such as $10,000 on a Super Visa policy: the deductible may be added to the income the sponsoring child or grandchild must show for the Super Visa application, so a large deductible can work against the application. A $0 deductible, or the $2,500 Disappearing Deductible, is the usual choice for Super Visa insurance.
Does 21st Century offer a monthly payment plan for visitor insurance?
How does age affect 21st Century visitor insurance rates for seniors over 70?
Will 21st Century refund my premium if my Canadian visa or Super Visa is refused?
Yes. If the visa application is denied by the Government of Canada, or formally withdrawn, before the policy takes effect, 21st Century refunds the full premium. Proof of the denial or withdrawal must be sent with a written refund request within 30 days of the decision. If Canada issues a different entry permit than the one applied for, a full refund can be requested as long as 21st Century receives the request before entry into Canada. On the Monthly Payment Plan the $50 policy fee is not refundable.
Can I get a partial refund from 21st Century if I leave Canada early or get provincial health coverage?
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 that the visitor has left Canada (return tickets and stamped passport, or boarding passes) or has become covered by a provincial government health plan. Proof of departure received within 30 days can be backdated to the departure date, up to a maximum of 60 days. Partial refunds are subject to a $25 minimum premium and a $25 processing fee. Refunds go back to the credit card used for purchase.
What happens to my 21st Century policy if I never travel to Canada?
Cancellation for non-arrival may be considered, but if the policy was used to support a visa application, 21st Century must keep the policy on file for a minimum of two years before a cancellation can be reviewed. After that period, once 21st Century is satisfied the insured has not travelled and will not travel to Canada, the premium is refunded less a $25 processing fee. Other cancellations of a policy issued for a visa application are subject to a $250 processing fee.
Is there a waiting period if I buy 21st Century insurance after arriving in Canada?
Yes, for sickness. There is no waiting period when a 21st Century policy is purchased before arrival in Canada. If the policy is bought within 30 days of arrival, a 72-hour waiting period applies to sickness; if it is bought more than 30 days after arrival, the waiting period is 7 days (ages 0–85; 15 days on the Basic Plan for ages 86 and over). Any sickness that appears during the waiting period is not covered, even if the expenses come later. Injuries are covered from the effective date. A waiting period also applies if you backdate the effective date, lower your deductible, or upgrade to pre-existing condition coverage on a consecutive policy. If you had coverage with another insurer with no gap, you can ask 21st Century to waive the waiting period using a Special Consideration Form.
What medical expenses does the 21st Century daily rate cover?
How are family rates calculated for 21st Century visitor insurance?
The 21st Century family rate is 2 times the total premium of the oldest applicant. A family means up to two parents or legal guardians plus their unmarried dependent children under age 22 travelling with them, or three or more siblings under age 22. For ages 40–54 with $100,000 coverage and a $0 deductible, the family daily rate is $9.30 on the Standard Plan and $9.78 on the Enhanced Plan. The minimum premium on any policy is $25.
Can I extend my 21st Century policy while I am in Canada?
Who underwrites 21st Century Visitors Insurance?
Is there a discount for travellers buying 21st Century insurance together?

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.