Travel Insurance Ltd.
Visitors to Canada Insurance
by Manulife Financial
Who can apply?
Insurance is available for :
- visiting friends and
- landed immigrants or returning
Canadians waiting for provincial health
individuals in Canada on a
work or student visa,
Parents and grandparents visiting Canada on super visa
For assistance or
to buy a policy, please
Monthly payment option
You can pay monthly for visitors to
Canada insurance or super visa policy
with coverage of
$100,000 or $150,000. This Monthly payment plan can be purchased for one or two years.
Get more information and
your instant online quote , call at 1-877-443-0101 for
eligible for coverage under this policy if:
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: $10,000, $15,000, $25,000, $50,000, $100,000, or $150,000 per
$50,000 of coverage for
accidents with the
For age 85 and
under: a $50 deductible per policy applies, unless you chose the option of no deductible or
$250, $1,000, $5,000, $10,000 in your application for insurance, and paid
the applicable premium (5% surcharge for $0 deductible and 10%-40% discount
for other deductibles apply).
For age 86 and over: min deductible is $500
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 if you purchased a policy prior to
date, or if the policy is purchased on or prior to the expiry date of an existing
21st Century Visitors to Canada policy
to take effect on the day following such expiry
period applies if you purchase this policy after your
arrival date or after the expiry date of an existing
policy with 21st Century.
85 or under:
a) If this policy was
purchased within 30 days of your arrival date, then in
respect of any sickness, you will only be entitled to
receive reimbursement for the cost of insured services
incurred 72 hours or more following the effective date of
this policy, or
c) If this policy was
purchased 31 or more days after your arrival date, then
in respect of any sickness, you will only be entitled to
receive reimbursement for the cost of insured services
incurred 7 days or more following the effective date of
86 or older:
If this policy was purchased any time after your arrival date, then in respect of any
sickness, you will only be entitled to receive
reimbursement for the cost of insured services incurred 15
days or more following the "effective date" of this policy.
There is no waiting period for injuries.
Family plan is
family members must be under age 60.
premium for family coverage
is calculated at two times
the premium for the eldest
Traveling to Canada and Worldwide.
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.
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
Emergency treatment provided by a physician including the
cost of standard hospital ward accommodations.
"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
provided by a health-care practitioner (Chiropodist,
chiropractor, osteopath, podiatrist physiotherapist, or acupuncturist)
up to $1,000 combined, provided such treatment is prescribed by a physician
● 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.
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
is provided to return your body home
cost via the most cost-effective itinerary of an economy air fare to return
you to your country of origin including, if medically necessary or
required by the airline, stretcher fare and/or the return economy fare and
reasonable fees and expenses of a medical attendant
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
● Accidental Death
- up to $10,000
Exclusions and Limitations.
Visitors to Canada medical insurance does not
cover everything. This insurance has exclusions, conditions and limitations.
Here's the way it works:
• Under 60 years of age:
covered for pre-existing medical conditions as long
as they have been stable in the 180 days before
the policy starts.
• Between the ages of 60 and 85 two options are available:
a) No coverage for
pre-existing medical conditions: you will pay a lower premium, but there is
no coverage for medical expenses relating to any sickness, disease or injury
for which medication has been taken, received or prescribed, and/or
treatment has been received in the 180 days preceding the effective
date of the policy.
b) You can buy the "Stable Chronic Condition" (SCC) Option
to cover your stable pre-existing conditions, but you have to complete the
to see if you are eligible for this coverage. If you are
ineligible or decide to waive the SCC option, you will pay lower premium but
will NOT be covered
for any pre-existing conditions - stable or unstable.
• Age 86 and over - pre-existing conditions are not
Please click on
Medical Condition for details on this
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
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.
drugs or medicines, treatment, appliances or devices provided to monitor or
maintain a Stable Chronic Condition.
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
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
Policy Wording (pg. 17)
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 prior
to receiving medical
If you do not contact 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
The product-related information is for illustration purpose
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
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