21st Century: Best Super Visa Insurance for Healthy Travellers

When your parents or grandparents travel to Canada under the Super Visa, you want insurance that covers the essentials without excessive cost. For applicants under age 60 with no major medical conditions, 21st Century offers one of the more affordable and flexible Super Visa insurance options in Canada.

At DaddySafe, we recognize that not every visitor needs high-risk coverage. For healthy travellers who want reliability and value, 21st Century is a strong contender.

What 21st Century Offers Verified Policy Features

From the official policy documents:

• Coverage limits available include $100,000, $150,000, and $200,000 for Super Visa eligibility.

• The policy offers monthly payment plans, letting families spread the cost.

• Deductibles are variable, which helps lower premiums when you accept higher deductible amounts.

• 21st Century covers emergency medical care, hospital stays, diagnostics, ambulance, and repatriation.

• There is a waiting period structure: for those aged 86 or older, there is a 15‑day waiting period if the policy is purchased after arrival.

• The policy allows refunds or partial refunds if the visitor returns early or the visa is denied, assuming no claims were made.

• For those purchasing a Super Visa policy through 21st Century, coverage is eligible for Super Visa requirements under their “Visitors to Canada / Super Visa” designation.

These features make 21st Century a practical option for travellers meeting certain health criteria.

Who Best Suits 21st Century Plans

21st Century is ideal for applicants who:

• Are under 60 years of age with minimal medical history

• Prefer lower premiums by accepting higher deductibles

• Want the flexibility to pay monthly instead of a lump sum

• Need basic but solid coverage without paying for extra benefits they won’t use

It is less suitable for those with significant health conditions or age over 85, where more specialized coverage may be required.

Strengths & Trade-offs

Strengths:

• Cost efficiency for healthy applicants

• Payment flexibility

• Clear Super Visa‑compliant coverage for essential medical emergencies

• Refund options when travel plans change

Trade-offs:

• Coverage for pre‑existing conditions may be limited or subject to stability requirements

• Waiting periods may apply depending on when coverage is purchased

• Benefit caps and exclusions exist—certain services or elective treatments may not be covered

Why DaddySafe Recommends 21st Century (for the Right Applicants)

At DaddySafe, our goal is matching families with the insurance that best fits their situation. We recommend 21st Century when:

• Your loved one is healthy and under age 60

• You prefer a lower cost plan with essential protections

• Flexibility (deductibles, monthly payments) is important

• You’re not expecting to rely heavily on specialty services or complex chronic care

In such cases, 21st Century lets you satisfy Super Visa insurance requirements without overspending on features you don’t need.