21st Century Plan Details

Comprehensive emergency medical insurance for visitors, immigrants, and Super Visa applicants

Get Quote Now 21st Century Policy Wordings 21st Century Enhanced vs. Standard vs. Basic

Benefits

The range of coverage and services included in the policy, such as medical expenses, emergency care, trip interruption, and more.

Benefit Category	Enhanced Plan	Standard Plan
Maximum Coverage	Up to $200,000	Up to $200,000
Pre-Existing Condition Coverage	Covered if stable for 180 days	Not covered if existed within 180 days before effective date
Hospital & Medical	Included	Included
Medical Coverage on Inbound/Outbound Flights	Included	Included
Prescription Medications	Up to $1,500 (30-day supply)	Up to $1,500 (30-day supply)
Dental Accident	Up to $4,000	Up to $4,000
Relief of Dental Pain	Up to $500	Up to $500
Accidental Death & Dismemberment	$50,000 included	$50,000 included
Extra Injury Coverage	Additional $50,000 on $100K option	Additional $50,000 on $100K option
Private Duty Nursing & Medical Devices	Up to $10,000	Up to $10,000
Healthcare Practitioners	Up to $1,000 • Acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist	Up to $1,000 • Acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist
Continuing Treatment / Follow-Ups	No limit	No limit
90-Day Provision	Included	Included
Side-Trip Coverage	Included	Included
Monthly Payment Option	Available for $100K+ policies	Available for $100K+ policies
Two-Year Option	Available for $100K+ policies	Available for $100K+ policies
Deductibles	Per person per policy	Per person per policy
Disappearing Deductible	Per claim	Per claim
Death Benefits & Repatriation	Preparation of body up to $3,000 • Burial/cremation up to $3,000 • Repatriation included	Preparation of body up to $3,000 • Burial/cremation up to $3,000 • Repatriation included

Specific Conditions

Any medical conditions, illnesses, or injuries that you had before purchasing the insurance policy. Coverage for these may be limited or subject to specific terms.

Important Note	Details
Disappearing Deductible	If eligible sickness claim exceeds $2,500, deductible may be waived and benefits paid from first dollar
90-Day Provision	Coverage for same medical condition may continue if condition remains stable for 90 days before subsequent claim
Continuing Treatment	Follow-up treatment may continue after emergency ends if approved under policy conditions
Emergency Coverage Only	Coverage applies to sudden and unexpected medical emergencies only
Travel Assistance Requirement	Assistance Centre must be contacted before treatment or within 24 hours of hospitalization
Pre-Approval Requirement	Certain tests, surgery, hospitalization, and transportation require Assistance Centre approval
Side-Trip Limits	Side-trips outside Canada limited to 30 days total with minimum 51% of insured period spent in Canada
Medical Disclosure	Incorrect or incomplete medical information may affect eligibility or claims
Country of Origin	No coverage for treatment received in your country of origin

Eligibility

The criteria you must meet to purchase or be covered under the insurance plan, such as age limits, residency status, or travel requirements.

Eligibility Criteria	Details
Eligible Applicants	Visitors to Canada • Temporary residents • Work visa holders • Student visa holders • New immigrants
Age Eligibility	Coverage available up to age 85
Travel Restrictions	Must not travel against physician advice
Terminal Illness	Not eligible if diagnosed with terminal illness with less than 2 years to live
Cancer Restrictions	Not eligible if diagnosed with or treated within last 2 years for pancreatic, lung, brain, or liver cancer • No metastatic cancer coverage
Organ / Kidney Restrictions	Not eligible if awaiting or received organ/bone marrow transplant (except corneal transplant) • No kidney dialysis coverage
Congestive Heart Failure	Not eligible if previously diagnosed with Congestive Heart Failure
Home Oxygen	Not eligible if prescribed or used home oxygen within last 12 months
Care Facility Restriction	Not eligible if residing in nursing home or long-term care facility
Enhanced Plan Requirement	Age 60–85 applicants must complete Medical Declaration and answer “No” to all questions to qualify
Standard Plan Availability	Available without Medical Declaration if eligibility requirements are met
Waiting Period	Waiting period may apply if coverage purchased or activated after arrival in Canada
Coverage Period	Maximum coverage period up to 2 years with approved extension option
Side-Trips Outside Canada	Covered up to 30 days total outside Canada if at least 51% of insured period is spent in Canada
Monthly Payment Plan	Available for policies with minimum 365 days coverage and $100,000 minimum policy limit
Important Note	Coverage subject to policy wording, exclusions, limitations, stability requirements, and insurer approval

Refunds

The amount you may be eligible to receive back if you cancel your policy, depending on the timing and the insurer’s refund terms.

Refund Scenario	Details
10-Day Review Period	Full refund available if policy returned within 10 days of purchase and coverage has not started
Before Effective Date	Full refund available before coverage begins
Visa Refusal	Refund available with official visa refusal proof
Early Return to Country of Origin	Partial refund for unused coverage days if no claim reported or pending
Government Health Coverage	Partial refund available if covered under Canadian government health plan
Refund Conditions	Written refund request and supporting documents required
Refund Deadline	Request must be submitted within policy refund timelines
Claim Restriction	No refund available if claim has been incurred, paid, or is pending
Administrative Charges	Refunds may be subject to administrative fees and minimum retained premium
Important Note	Refunds subject to policy wording, insurer approval, and supporting documentation

Extensions

The option to continue your coverage by extending the policy duration before it expires, subject to approval and conditions.

Extension Type	Details
Automatic Extension – Travel Delay	Coverage automatically extended up to 72 hours for delays beyond your control
Automatic Extension – Medical Condition	Coverage extended if medically unable to travel on expiry date
Automatic Extension – Hospitalization	Coverage continues during hospitalization and up to 72 hours after discharge
Policy Extensions	Extension request must be submitted before current policy expiry
Eligibility for Extension	Must remain eligible and have no change in health status or reason to seek treatment
Waiting Period Waiver	Waiting period waived if new policy purchased before existing coverage expires with no gap
Maximum Coverage Period	Total coverage period may extend up to 2 years if approved
Side-Trip Coverage	Side-trips outside Canada covered up to 30 days total if majority of coverage period spent in Canada
Important Note	Extensions subject to insurer approval, underwriting review, and policy conditions

Claims

The process of requesting reimbursement or payment from the insurance company for covered expenses during your policy period.

Claims Process	Requirements
Emergency Assistance	Contact Assistance Centre before treatment or within 24 hours of hospitalization
Emergency Contact Numbers	Canada & USA: 1-877-882-2957 • Collect Worldwide: +1 519-251-7856
Failure to Notify	Failure to contact Assistance Centre may result in paying 20% of eligible medical expenses • Additional $100 may apply per claim in certain situations
Pre-Approval Requirement	Assistance Centre must approve certain treatments, testing, transportation, and hospitalization
Required Documents	Claim form • itemized bills • proof of payment • prescriptions • medical records • travel documents
Claim Submission	Written proof of claim required within policy claim timelines
Medical Records Review	Prior medical history may be reviewed during claim assessment
Additional Information	Insurer may request additional supporting documentation or medical authorization
Important Note	Claims subject to policy wording, exclusions, limitations, and insurer approval

Exclusions

Specific situations, treatments, or conditions that are not covered under the policy, which means no claim can be made for them.

Exclusion Category	Details
Pre-Existing Conditions	Standard Plan: no coverage for conditions existing within 180 days before effective date • Enhanced Plan: conditions must remain stable for 180 days
Medical Treatment	Non-emergency treatment • ongoing/chronic care • elective treatment • routine care • rehabilitation
Travel Restrictions	Travelling against physician advice • terminal illness • expected medical treatment during trip
Pregnancy / Childbirth	Pregnancy, childbirth, or related complications within restricted coverage period
Mental Health	Emotional, psychological, or mental disorders unless specifically covered
Substance Use	Alcohol, drugs, intoxicants, medication misuse, or failure to follow prescribed treatment
High-Risk Activities	Professional sports • racing • dangerous activities • aviation other than as passenger on commercial flight
Illegal / Intentional Acts	Criminal acts • self-inflicted injury • suicide or attempted suicide
Travel Advisories	Travel to regions under Government of Canada advisory to avoid all or non-essential travel
Country of Origin	No coverage for treatment received in country of origin
War / Nuclear Risks	War, terrorism, military action, radiation, or nuclear contamination
Pre-Approval Requirement	Certain tests, surgery, transportation, and medical procedures require Assistance Centre approval
Important Note	Coverage subject to policy wording, exclusions, limitations, stability requirements, and insurer approval

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