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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,

- Parents and grandparents visiting Canada on super visa



For assistance or to buy a policy, please call at

1-877-443-0101,  416-493-0101

What's on This Page

  Policy Wording (Enhanced & Standard Plans)

  Policy Wording (Basic Plan)

  Key Features

  Summary of Medical Coverage

 Pre-existing Medical Condition &
     Other Exclusions

  Medical Declaration


  Monthly Payment Option

  What to do if you got sick or injured

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 year.

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  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; 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 application; and/or

you reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre.


Age. No maximum age. Minimum age is 31 days.


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. No waiting period if you purchased a policy prior to the arrival 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 date.

Waiting period applies if you purchase this policy after your arrival date or after the expiry date of an existing policy with 21st Century.

      For age 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 this policy.

       For age 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 available. All family members must be under age 60. 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.



All refunds are subject to approval by 21st Century. In addition, a $25 policy administration fee will be applied to any refund.




●   Emergency treatment provided by a physician including the cost of a hospital room.

"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
●  Treatment, 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. (Basic Plan : chiropractor, physiotherapist,  acupuncturist are covered)
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.

Follow-up visits are covered until the attending physician or the company's medical advisors declare the end of the medical emergency. (Basic plan: one follow-up visit per sickness or injury)

●  The use of a licensed ambulance service for emergency transportation
●   Drugs 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
●  The extra 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
●  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 available with Basic Plan)

●  Up to $300 for immediate relief of acute dental pain, for which you have not previously received treatment or advice (not available with Basic Plan)

●   Accidental Death & Dismemberment - up to $25,000 (not available with Basic Plan)


Compare Basic, Standard and Enhanced Plans


Exclusions and Limitations. Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.  

Pre-Existing Medical Condition Exclusion

    Under 55 years of age:

You're automatically 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 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 Medical Declaration 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 covered.

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 get sick or injured.

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 (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

You must call the Assistance Centre prior to receiving medical treatment: 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 Policy Wording (pg. 17).

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, 416-458-4577


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Investments:    RESP     RRSP     TFSA    Segregated Funds

Revised: October 22, 2018