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; or any type of cancer that has
spread from one part or organ of the body to another not
directly connected with it;
you have had or are waiting for an organ or bone
marrow transplant (excluding corneal transplant);
you have a kidney
condition requiring dialysis;
you have used home
oxygen during the 12 months prior to the date of
you reside in a nursing home, home for the aged, other
long term care facility or rehabilitation centre.
No maximum age . Minimum age is 31
Amount of coverage
Choose coverage of: $15,000, $25,000,
$50,000, $100,000, $150,000, $200,000 per person.
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 "disappearing deductible" option: a deductible of $2,500 per
claim applies only to sickness-related events unless covered expenses exceed $2,500, in
which case a $0 deductible will apply. For injury-related
claims, the deductible is waived.
Minimum Policy premium is $25.
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.
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.
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
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.
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
Enhanced & Standard Plan
Emergency treatment provided by a physician including the
cost of a hospital room (semi-private room or an intensive care unit when medically necessary).
"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.
Medical, hospital or out-patient services (ER visit,
clinic, doctor's office, etc.)
● Private duty registered nursing or
licensed home care providers and rental of crutches, hospital bed, splints,
trusses, braces or other prosthetic devices
Up to $5,000
Up to $5,000
provided by a health-care practitioner, provided such treatment is prescribed by a physician.
chiropodist, chiropractor, osteopath, podiatrist
physiotherapist, or acupuncturist
up to $1,000 combined
chiropractor, physiotherapist, acupuncturist
up to $1,000 combined
● 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
● 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 licensed ambulance service for emergency transportation
or medications prescribed, in writing, for you by a physician (up to
$500 if out-patient).
In the event of death, up to $7,500
combined for all servises
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
to natural teeth and repairs to dentures or other dental devices if such
treatment is necessitated by direct unintended or unexpected blow to your
up to $4,000
● Immediate relief of acute dental pain,
for which you have not previously received treatment or advice.
Up to $300
● 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.
● 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
● Accidental Death
- up to 25,000
● Disappearing Deductible
A $2,500 per-claim deductible amount applies to each sickness-related
claim which is $2,500 or less. 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.
● Coverage for pre-existing medical conditions
Exclusions and Limitations.
Visitors to Canada medical insurance does not
cover everything. This insurance has exclusions, conditions and limitations.
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 (available for ages 55 to 85 on the policy effective date)
No coverage for pre-existing medical condition.
Enhanced Plan (for ages up to 85)
Under 55 years of age:
covered for pre-existing medical conditions as long
as they have been stable in the 180 days before
the policy starts.
For ages of 55 - 85:
The insurer will not reimburse you
for insured services or pay an Accidental Death and Dismemberment claim
and/or any other expenses directly or indirectly related to
any pre-existing medical condition other than a
stable chronic condition, which has been stable in the 180 days
prior to your effective date.
You have to complete the
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.
Any sickness, disease, symptom,
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
which, prior to your effective date, it was reasonable
to expect that you would need treatment during your
which future investigation or treatment was planned
prior to your effective date; and/or
produced symptoms that would have caused an ordinarily
prudent person to seek treatment in
the 180 days prior to the effective
had caused your physician to advise you not to travel;
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.
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.
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.
mental or emotional disorder (other than acute psychosis) that does not
require admission to a hospital.
emergency that occurs or recurs after our medical advisors recommend that
you return to your country of origin and you choose not to.
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.
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.
failure to follow a recommended or prescribed therapy or treatment.
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
Please refer to the
policy wording for a full list of exclusions and limitations.
to do if you get sick or injured.
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
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.
to download the app.
You must contact the Assistance Centre prior to receiving any medical treatment.
If you fail to contact the Assistance Centre within 24 hours,
you will have to pay the first $100 of any medical expenses the company would normally pay per claim.
This $100 is in addition to any deductible amount that you have selected
at the time you purchased your coverage.
Also, if you fail to call the Assistance Centre within 24 hours of hospitalization,
you will 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
Note: The product-related information is for illustration purpose
refer to the Policy wording before
purchasing the policy for a full explanation of benefits, terms and conditions, limitations
For more information, free consultation and
to purchase a policy please call
416-458-4577 or Ask your question online
↑ Back to Top