21st Century Travel Insurance Ltd.

• you are travelling against the advice of a physician not to travel;
• you have been diagnosed with a terminal illness with less than two (2) years to live;

• you have been diagnosed with or received treatment within the last two (2) years for pancreatic, lung, brain, or liver cancer;

• you have ever been diagnosed with any type of cancer that has spread from one part or organ of the body to another (metastatic cancer);

• you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);

• you have ever been diagnosed with Congestive Heart Failure;

• you require kidney dialysis;
• you have been prescribed or used home oxygen in the last the 12 months, and/or

• you reside in a nursing home or long term care facility .

 

Age. Minimum age is 31 days. No maximum age for Basic Plan. For Enhanced and Standard Plans, maximum age is 85 on the policy effective date. .

 

Amount of coverage

Choose coverage of: $15,000, $25,000, $50,000, $100,000, $150,000, $200,000 per person.

Minimum Policy premium is $25.

 

Deductibles

A $0 deductible applies, unless you chose the option of $100, $250, $1,000, $5,000, $10,000 in your application for insurance, and paid the applicable premium (5%-40% discount apply depending on the deductible amount chosen).

A "$2,500 disappearing deductible" option available for Enhanced and Standard plans (Save 25%-30%) :  A deductible of $2,500 per claim applies only to sickness-related events 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.

 

Waiting period

Means a period, starting from the effective date of this policy, during which premiums are payable but claims resulting from any sickness will be not eligible for reimbursement. Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period. There is no waiting period for injuries.

A waiting period will apply if you:

i) purchase this policy after your arrival in Canada; or

ii) you have already arrived in Canada before the policy effective date and request a date change to the earlier effective date; or

iii) upgrade your coverage when you purchase consecutive policies with no gap between the expiry date of the previous policy and the effective date of the subsequent policy.

For age 85 or under:

a) the waiting period is 72 hours if:

• you purchased or activated this policy, or

• requested a date change after your arrival in Canada

within the first 30 days after your arrival date; or

b) the waiting period is 7 days if:

• you purchased or activated this policy, or

• requested a date change after your arrival in Canada

more than 30 days after your arrival date.

For age 86 or older:

The waiting period is 15 days.

Waiting period is waived, if you purchase this policy before your arrival in Canada, or before your existing policy with the 21st Century expires.

 

Family rates are available for Enhanced and Basic Plans. All Applicants must select the same plan. The premium for family coverage is calculated at two times the premium for the eldest adult.

 

Traveling to Canada and Worldwide

This plan provides coverage throughout Canada and also covers side trips to any country in the world except your country of origin to an overall maximum of 30 days within a 365-day period. These side trips can happen before or after your visit to Canada, or in the middle of your visit, as long as you spend at least 51 % of your overall period of coverage in Canada and you have no gaps in your coverage. This policy also provides coverage during your uninterrupted flights from your home country to and from Canada at no additional charge.

 

Refunds

Full refund and partial refund are available. Please contact us for consultation. All refunds are subject to approval by 21st Century. In addition, a $25 policy administration fee will be applied to any refund.

 

SUMMARY OF BENEFITS

BENEFITS	Enhanced & Standard Plan	Basic Plan
●   Emergency Medical Attention - Reasonable and customary charges for: • medical care received from a physician in or out of a hospital (ER visit, clinic, doctor's office, etc.); • the cost of a hospital room (semi-private room when available or an intensive care unit when medically necessary); • drugs that are prescribed for you and are available only by prescription from a physician.   "Emergency" means an unexpected, unforeseen sickness or injury which requires medical treatment for the immediate relief of acute pain and suffering and which cannot be delayed until you can return to your country of origin.	Up to policy limit	Up to policy limit
● Tests that are needed to diagnose or find out more about your condition   Note: This policy does not cover cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless such services are approved in advance by the Assistance Centre.	Included	Included
●   Private duty registered nursing or licensed home care providers and rental of crutches, hospital bed, splints, trusses, braces or other prosthetic devices	Up to $10,000	Up to $5,000
● Treatment, provided by a health-care practitioner, provided such treatment is prescribed by a physician.	Acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist up to $1,000 combined	Acupuncturist, chiropractor, physiotherapist  up to $1,000 combined
●   Drugs or medications prescribed, in writing, for you by a physician (if out-patient)	Up to $1,500 and not exceeding a 30-day supply	Up to $500 and not exceeding a 30-day supply
● Follow-up visits are covered until the attending physician or the company's medical advisors declare the end of the medical emergency.	Not limited until emergency ends	One follow-up visit per sickness or injury
●  The use of a local licensed ambulance service for emergency transportation	Included	Included
●  Emergency Dental: Treatment to natural teeth and repairs to dentures or other dental devices if such treatment is necessitated by direct unintended or unexpected blow to your face	Up to $4,000	Not included
●  Relief of Dental Pain Immediate relief of acute dental pain, for which you have not previously received treatment or advice.	Up to $500	Not included
●  Emergency return home - The extra cost via the most cost-effective itinerary of an economy air fare; -  If medically necessary, stretcher fare on a commercial flight - The return economy fare and reasonable fees and expenses of a medical attendant, if medically necessary or required by the airline - The cost of air ambulance transportation, if medically necessary	Included	Included
●  Death Benefits & Repatriation	Preparation of body (up to $3,000), burial/cremation (up to $3,000) and/or repatriation of body (no limit)	Expenses for preparation and transportation up to $7,500
●  Accidental Death & Dismemberment	Up to 50,000	Not included
●  Extra Injury Coverage A policy with the aggregate policy limit of $100,000 includes an additional $50,000 coverage for insured services that result from an injury.	Included	Not included
●  90-day Provision If a claim is deemed to be payable under this policy, this condition may be covered again in the event of a subsequent  emergency, provided this condition meets the 90-day stability requirements as stated in the policy.	Included	Not included
●   Disappearing Deductible   When the sickness-related eligible expenses exceed $2,500 per claim, the deductible amount is waived, and eligible expenses will be reimbursed back to the first dollar. There will be no deductible amount when a claim is a result of an injury.	A $2,500 per-claim deductible amount applies to each sickness-related claim which is $2,500 or less.	Not included
●   Coverage for pre-existing medical conditions	Click here	No coverage

 

Exclusions and Limitations. Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.

 

Pre-Existing Medical Condition Exclusion

Basic Plan (no age limit)

No coverage for pre-existing medical conditions. Only new conditions that may arise during the period of coverage are covered. 

Standard Plan (for ages up to 85 )

No coverage for pre-existing medical conditions that exist in the 180 days prior to the policy effective date.

Enhanced Plan (for ages up to 85)

No coverage for any conditions that have not been stable within 180 dasy before your coverage starts.

If you are age 55 to 85, you have to complete the Medical Declaration to see if you are eligible for this coverage.

If you are ineligible, you can apply for Enhanced or Basic plan and pay lower premium, but will NOT be covered for any pre-existing conditions - stable or unstable.

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

 

Some Other Exclusions

•   Any sickness, disease, symptom, or injury:

i)  when you knew, prior to your effective date, that you would need or be required to seek treatment for that medical condition during your trip; and/or during your trip; and/or

ii)  for which, prior to your effective date, it was reasonable to expect that you would need treatment during your trip; and/or

iii)  for which future investigation or treatment was planned prior to your effective date; and/or

iv)  which produced symptoms that would have caused an ordinarily prudent person to seek treatment in the 180 days prior to the effective date; and/or

v)  that had caused your physician to advise you not to travel; and/or

vi)  that presented, recurred or was treated during any temporary return to your country of origin during the Coverage Period as is permitted only if you are a holder of a multi-entry PG-1 VISA.

•  Any sickness, injury or death related to the misuse, abuse, overdose, or chemical dependence on medication, drugs, alcohol, or other intoxicant, whether sane or insane.

•   Any 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.

•   Any pregnancy that commences prior to the effective date of this policy; your routine pre-natal care; your routine pregnancy or childbirth; complications of your pregnancy or childbirth when they happen in the 9 weeks before or after the expected date of delivery; medical treatment or services provided to your child born during your Coverage Period.

•   Any treatment that is elective, cosmetic and not for an emergency and/or general health examinations or services.

•   Prescription drugs or medicines, treatment, appliances or devices provided to monitor or maintain a Stable Chronic Condition.

•   Any medical treatment outside of Canada when the emergency occurred in Canada.

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

•   Any emergency that occurs or recurs after our medical advisors recommend that you return to your country of origin and you choose not to.

•  The ongoing treatment, recurrence or complication of a medical condition when you have already received emergency treatment for that condition during your Coverage Period and our Assistance Centre determines that your medical emergency has ended.

•  Covered expenses that exceed 80% of those we would normally pay, if you do not contact the Assistance Centre prior to receiving any medical treatment unless your medical condition makes it impossible for you to call. If your medical condition makes it medically impossible for you to call, please have someone call on your behalf.

•   Your failure to follow a recommended or prescribed therapy or treatment.

•  Any insured service that must be authorized by the Assistance Centre when it has not given any such authorization or made no arrangement for that insured service.

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

 

 

What to do if you need medical assistance Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, please call the Assistance Centre at the telephone numbers shown on your policy confirmation, the Policy Wording or wallet cards. When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.   CALL the ASSISTANCE CENTRE AT 1-877-882-2957 toll-free from the USA and Canada. If unable to use the toll-free number, call collect to Canada: +1 519-251-7856 The Assistance Centre can also be contacted through its ACM TravelAid™ mobile application. Visit http://www.active-care.ca/en/travelaid/ to download the app. You must contact the Assistance Centre prior to receiving any medical treatment. If you fail to call the Assistance Centre within 24 hours of hospitalization, you may have to pay 20% of the medical expenses the insurer would normally pay under this insurance.   Claims must be reported within 30 days of occurrence. Written proof of claim must be submitted within 90 days of occurrence. To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to 21st Century Insurance Ltd. Consult the claim guideline in your Policy Wording.

Note: The product-related information is for illustration purpose only. Please refer to the Policy wording before purchasing the policy for a full explanation of benefits, terms and conditions, limitations and exclusions.

 

For more information, free consultation and to purchase a policy please call at

416-493-0101, 1- 877-443-0101 or Ask your question online

 

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