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River Boat Cruise, Peterborough, ON

Manulife   TuGo Visitors   Destination   GMS   Allianz   21st Century   HMC   Travelance   TrueNorth Plan   Blue Cross


21st Century Travel Insurance Ltd.


Visitors to Canada Insurance

underwritten by Manulife Financial


Who can apply? Insurance is available for :
- Visiting friends and relatives,
- Landed immigrants or returning Canadians waiting for provincial health coverage,
- Individuals in Canada on a work or student visa,
- Participants of the International Experience Canada program (IEC),
- Parents and grandparents visiting Canada on super visa

This insurance policy meets all requirements for parent and grandparent super visa if amount of coverage  is  $100,000 or greater and period of coverage is one or two years.

 What's on This Page

  Policy Wording (Enhanced & Standard Plans)

  Policy Wording (Basic Plan)

  Key Features

  Summary of Benefits

 Pre-existing Condition & Other Exclusions

  Medical Declaration


  What to do if you need medical assistance

Questions? - Please call at

1-877-443-0101,  416-493-0101

 Monthly payment option

You can pay monthly for visitors to Canada insurance with coverage of $100,000, $150,000, $200,000. This Monthly payment plan can be purchased for one or two years for super visa application. You can also purchase this affordable insurance plan after arrival for a long stay in Canada. Get Your Instant Online Quote, call at 1-877-443-0101 for assistance.


 What coverage will you have?

Eligibility. You are NOT eligible for coverage under this policy if:

• 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.



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).

Save 25%-30%. 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.


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.



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.



BENEFITS Enhanced & Standard Plan Basic 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.

Included Included

●   Medical, hospital or out-patient services (ER visit, clinic, doctor's office, etc.)

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 $5,000 Up to $5,000

● Treatment, 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 Centre.

Included Included

● 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

Included Included

●   Drugs or medications prescribed, in writing, for you by a physician (up to $500 if out-patient).

Included Included

●  In the event of death, up to $7,500 combined for all servises

Included 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

●  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 covered

●  Immediate relief of acute dental pain, for which you have not previously received treatment or advice.

Up to $300 Not covered

●  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

●  Accidental Death & Dismemberment - up to 25,000

Included Not included

●   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.

Included Not available

●   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 (available for ages 55 to 85 on the policy effective date)

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)

• Under 55 years of age:

You are 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 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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