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21st Century Travel Insurance
Medicare International Travel Insurance  for Canadians

(underwritten by Manulife Financial)


Who can apply? TO BE ELIGIBLE FOR INSURANCE UNDER THIS POLICY, you must be a resident of Canada, and covered under a government health insurance plan for the entire trip length.

What coverage will you have

Emergency Medical Insurance


To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

•   be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;

•   be at least thirty (30) days of age;

•   not have been advised by a physician to avoid travel at this time;

•   not have a terminal illness for which a physician has estimated you have less than six (6) months to live;

•   not have metastatic cancer (cancer that has spread from the original site to another place in your body)

•   not require kidney dialysis;

•   not have been prescribed or used home oxygen in the last twelve (12) months; and

•  never have had bone marrow, stem cell or organ transplant (except corneal transplant).

What's on This Page

Emergency Medical Insurance

Policy Wording

Summary of Medical Coverage

Medical Questionnaire (for age 60+)

Pre-existing Medical Conditions

Rates (Single and Multi-trip plans)

COVID-19 Rider

All inclusive Plans (Single- & Multi-Trip)

Policy Wording

Rates (Single- and Multi-Trip plans)

Trip Cancellation & Interruption

Policy Wording

Rates (Single-Trip)

What to do if you get sick or injured

For assistance and to buy a policy over the phone, please call at

416-493-0101, 1-877-443-0101


COVID-19 Updates:

Trip Cancellation  & Interruption: As of March 5, 2020, COVID-19 is considered a “known event” and as such, Trip  Cancellation/Interruption insurance policies issued since this date no longer cover COVID-19.

Emergency Medical insurance policies issued on or after March 13, 2020 do not cover medical expenses resulting from COVID-19 and related conditions in any country outside of Canada unless the additional premium is paid to add the COVID-19 Emergency Medical Insurance Rider.

Once the travelers have been fully vaccinated, coverage under the Rider increases so that they are covered for the full Emergency Medical Coverage Limit on the regular Emergency Medical Travel Insurance plan purchased.

Coverage on cruises: once the travel advisory changes to a Level 3, and the travelers are fully vaccinated and purchase the Rider, they get the full Emergency Medical Coverage Limit while on a cruise.

Special Exemption - truckers and other workers deemed essential will continue to be able to claim Emergency Medical benefits relating to a COVID-19 event in the USA if travel is due to their job. There is no coverage for COVID-19 if an essential worker is on a non-work-related trip (e.g. vacation).


Single-Trip Plans

Provide Worldwide. You can also buy Canada Emergency Medical Plan, which provides emergency medical benefits at half the premium when all travel is within Canada only (outside your province of residence).

Trip break: You may return to your province of residence to attend special events without terminating your coverage. There will be no refund of premium for any of the days during your return home. Coverage is not in effect during the time you are at home.


Multi-Trip Annual Plans

Multi-Trip plans provide emergency medical coverage for an unlimited number of trips taken within one (1) year, commencing with the effective date as shown on your confirmation. Coverage for each separate trip commences and becomes effective immediately upon your departure from Canada (or your province of residence) and ends when you return to Canada (or your province of residence).

Each trip taken outside Canada can be up to the maximum days you selected when you purchased your Multi-trip plan. Select coverage for 4, 10, 18, 30 60 days per trip outside of Canada. If you need extra coverage days, you can purchase Top-Up coverage for trips that are longer than the maximum trip length of your Multi-Trip plan.

This plan provides emergency medical coverage for unlimited travel within Canada but outside your province of residence.

In the event of a claim, you will be required to provide proof of your departure date and your return date. Proof can include your plane ticket, train ticket, a stamped passport, and/or credit card or bank statement showing purchases in Canada just prior to your departure date.


Other options

All-Inclusive plans (multi-trip and single-trip), Trip Cancellation & Trip Interruption for single trips, so you can make the choice that's best for you.

All-Inclusive plans include Emergency Medical, Trip Cancellation & Trip Interruption, Baggage Loss, Damage and Delay, and Flight and Travel Accident.


Age means your age on the application date. No maximum age limit.


Savings and Deductibles

50% Travel Canada Savings: When purchasing a Single-Trip Emergency Medical and all the travel is within Canada.
5% Travel Companion Savings for Any Emergency Medical Plan.

Family Coverage for Any Emergency Medical Plan: Available for spouses and their dependent children or grandchildren when all family members are under age 60. The rate is calculated at 2 X the oldest member's premium


Deductible Savings Options
All published rates include a zero deductible. The following deductible options are available for Single-Trip and Multi-Trip Emergency Medical plans only:

Deductible Options*





Applicable Savings





* $CAD per insured per claim

Deductible savings options are not applicable to the Travel Canada plan and All-Inclusive plans.



You may cancel your policy prior to your departure date (your effective date if you have purchased a Multi-Trip Emergency Medical plan).

If you return home early, you may request a refund of premium (minimum $25) for the unused coverage days of your trip providing there has been or will be no claim reported or initiated, that you have not been provided with any assistance services. You will have to send to the company (or your broker) your written request with proof of the date you actually returned home.

Refunds and cancellations are not available on the Trip Cancellation & Interruption, All-Inclusive and Multi-Trip plans.



If you are already on your trip and need to apply for an extension of your coverage, before the expiry date of your existing coverage. You may be able to extend your coverage, as long as:

- the total length of your trip, including the extension, does not exceed the maximum allowed by your government health insurance plan (180-212 days depending on your province of residence);

- you pay the additional premium (minimum $25); and

- there has been no event that has resulted or may result in a claim against the policy and there has been no change in your health status.


Automatic  Extensions to Coverage of emergency medical coverage is provided beyond your policy expiry date at no additional premium :

•  For 72 hours days in the event your common carrier or vehicle is delayed;

•   If you or your travel companion are hospitalised on the expiry date, for the remaining period of your hospital confinement (up to a maximum of 365 days) plus 5 days after discharge from the hospital; or,

•   For 5 days if you or your travel companion are unable to travel on your scheduled return date but you are not hospitalized.


Emergency Medical Benefits

Emergency Medical Insurance covers you for up to $10,000,000 of covered expenses incurred by you as a result of medical attention required by you during your trip if a medical emergency begins unexpectedly after you leave home:

Key Benefits Maximum Limit

Maximum liability

Up to $10 million

Emergency medical treatment

Reasonable and customary charges for medical care received from a physician in or out of a hospital;

The cost of a semi-private hospital room (or an intensive or coronary care unit where medically necessary);

The services of a licensed private duty nurse while you are in hospital;

The rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance;

Tests that are needed to diagnose or find out more about your condition;

▪ Drugs that are prescribed and are available only by prescription from a physician or dentist

Paramedical services

Coverage for professional medical services due to covered risk, up to $70 per visit to a combined maximum of $700 for a covered injury

Ambulance transportation

Reasonable and customary charges forlocal licensed ambulance to transport you to the nearest appropriate medical service provider in an emergency

Emergency dental treatment

▪ Up to $300 for the relief of dental pain ; and/or

▪ Accidental blow to mouth - up to $3,000  to repair or replace your teeth

Trip break

Return home to your province of residence without terminating coverage. I you experience any change in your health during the Trip Break, you must notify the Assistance Centre prior to leaving your province of residence for confirmation of continued coverage.

Other benefits

Hospital allowances, Phone call expenses, Pet return,  Terrorism coverage

The following benefits must be pre-approved and arranged by the Assistance Centre

Expenses related to death

Up to $5,000 for repatriation and Up to $10,000 for burial at place of death

Emergency Return home

If recommended by attending physician; including air ambulance transportation if this is medically necessary.

Visit to bedside

If the insured is traveling alone and hospitalised for 3 days or more because of a medical emergency, the company will pay the economy class airfare for someone to be with you.

Return of children in the care of

the insured

If the insured is traveling alone and hospitalised for more than 24 hours  or must return home because of an emergency, the company will pay for extra cost of one-way economy class airfare to return the children home. the children must be covered under a policy underwritten by Manulife.

Additional expenses for meals,

hotel, and taxi

Reimbursement of up to $200 per day to maximum of $2,000 for extra meals, hotel, and taxi fare, if a medical emergency prevents you or your travel companion from returning home as planned.

Return home of vehicle

Up to 3,000 charged by a commercial agency to bring your vehicle home.

Other pre-approved benefits

Child care expenses, Expenses to return your travel companion, Return of excess baggage


Medical Concierge Services

21st Century Travel Insurance provides you with medical concierge services when you have purchased Emergency Travel Health Insurance and when travelling to the US, Mexico and the Dominican Republic: 24/7 access to physician house call visits in select cities in the US, Mexico and the Dominican Republic; physician co-ordination to an Emergency Room; consulting physician will “fast track” you through the Emergency Room in select cities in the US, Mexico and the Dominican Republic, etc. Please refer to the Policy wording (pg. 6) for details .


Exclusions and Limitations

Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.

Pre-Existing Medical Condition Exclusion

If your age at the time of application is less than 60 years, the pre-existing condition clause for category A is applied to you (3-month stability period).

If your age is 60 years and over you will be asked to answer several medical questions on the applications (see Medical Questionnaire) and depending on your answers you will qualify for rates and  pre-existing condition coverage of categories A, B, C (stability period may be 3 and 6 months).

For Travel Canada Emergency Medical Plan, no pre-existing condition exclusion applies. The applicants must still complete the medical questionnaire, if applicable, to determine their Rate Category to calculate premium.

Please click on Pre-existing Medical Conditions for details on this exclusion.


Some Other Exclusions

  ●  Any emergency when, prior to the purchase date, you had not met all of the eligibility requirements or truthfully and accurately answered all the questions in the medical questionnaire (if applicable).

  ●   Covered expenses that exceed 80% of the cost we would normally have to pay under this insurance if you or someone on your behalf does not contact the Assistance Centre at the time of the emergency.

  ●  Any non-emergency, investigative or elective treatment such as cosmetic surgery, chronic care, rehabilitation, or any directly or indirectly related complications.

  ●  The continued treatment of a medical condition when you have already received emergency treatment for that condition during your trip and your medical emergency has ended.

  ●   A medical condition for which future investigation or treatment was planned before you left home.

  ●   A medical condition that had caused your physician to advise you not to travel.

  ●   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.

  ●   Not following recommended or prescribed therapy or treatment.

  ●   A mental or emotional disorder (other than acute psychosis) that does not require admission to a hospital.

  ●   Your routine pre-natal care; your pregnancy or childbirth or complications thereof when they happen in the nine (9) weeks before or after the expected date of delivery; your child born during your trip.

  ●   For insured children under two (2) years of age, any medical condition related to a birth defect.

  ●   Any benefit that must be authorized or arranged in advance by the Assistance Centre when it has given no authorization or made no arrangement for that benefit.

  ●   Any emergency that occurs or recurs after our medical advisors recommend that you return home following your emergency treatment, and you choose not to.

  ●   For policy extensions or Top-Ups: any medical condition which first appeared, was diagnosed or treated after the scheduled departure date and prior to the effective date of the insurance extension or Top-Up.

  ●   Any change in your health status or medical condition that occurred or that started or any medical condition that did not remain stable during your Trip Break.

Please refer to the policy wording for a full list of exclusions and limitations.


All-Inclusive Plans: Single-Trip and Multi-Trip Annual ( Policy Wording )

If you make pre-paid travel arrangements, you may want to choose the All-Inclusive plan that includes:


Insurance Offered Coverage Amounts per Insured

Emergency Medical

up to $10,000,000 per policy

Trip Cancellation & Interruption

up to the sum insured to maximum of $3,500 per trip
Multi-Trip Plans: up to $3,500 per trip to a maximum of $6,000 per policy

Baggage Loss or Damage

Single-Trip Plans: up to $1,000 per trip
Multi-Trip Plans: Up to $1,000 per trip. Up to $3,000 per policy.

Baggage Delay

Single-Trip Plans: up to $500 trip
Multi-Trip Plans: Up to $500 per trip. Up to $1,500 per policy.

Flight Accident

$100,000 for death or  dismemberment

Travel Accident

$50,000 for death or dismemberment



Trip Cancellation & Interruption insurance (Single-Trip): Policy Wording

To be eligible to purchase stand-alone Trip Cancellation coverage, you must be living in Canada or traveling to Canada.

Maximum payable amount is:

●  up to the covered amount for Trip Cancellation before you leave home;

● unlimited Trip Interruption after departure (some benefits maximums do apply). >


The product related information is for illustration purpose only. Please refer to the Policy wording for details on the coverage provided, conditions, exclusions, limitations  and claim procedure.


If you have questions about this coverage or want to purchase the policy, please call  at 416-493-0101, 1-877-443-0101


What to do if you get sick or injured.

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, please contact the ASSISTANCE CENTRE at the telephone numbers shown on your policy confirmation and the Policy Wording (pg.1).


Important Notice regarding claim procedure !

Your policy provides travel assistance. If you experience a medical emergency, you must notify the Assistance Centre immediately. For insurance coverage under Trip Cancellation/Interruption insurance, you must call the Assistance Centre within forty-eight (48) hours of the cause of cancellation.

Emergency Assistance phone numbers:

1 855 478 3484 toll-free from the USA and Canada
+1 (519 ) 251-7851 collect to Canada from anywhere else in the world.

Your policy may limit benefits should you not contact the Assistance Centre. You can find emergency assistance phone numbers on your Policy confirmation and the Policy Wording (pg.1). Immediate access to the Assistance Centre is also available through its TravelAid mobile app. To download the app, visit: http://Active-Care.ca/TravelAid. The TravelAid mobile app can also provide you with directions to the nearest medical facility, local emergency telephone numbers (such as 911 in North America), and pre- and post-departure travel tips.

Please refer to the Policy wording for the claim procedure.


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Revised: August 05, 2021.