Pankaj Bhatia

21Century: Visitors to Canada OR Super Visa Insurance

Eligible For Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC/Working Holidays
Coverage Amounts $10,000 / $15,000 / $25,000 / $50,000  / $100,000 / $150,000
Emergency Hospitalization Up to sum insured
Emergency Home Return / Evacuation Covered
Emergency Medical Care Up to Sum insured
Services of a Physician, Surgeon, etc. Up to Sum insured
Ambulance Services / Transportation Up to Sum insured
Prescription Medications Up to $500 / 1-month supply
Emergency Dental Repair Up to $1,000
Dental Pain Relief Up to $300
Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist Up to $1000 combined
Out-patient Treatment Up to Sum insured
Stable Pre-existing Medical Conditions Coverage Available
Follow Up Treatment Coverd
Bedside Companion Accommodation / Transportation N/A
Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses N/A
Laboratory Diagnostics / X-Ray Up to $1,500
Private Duty Nurse / Medical Attendant Up to $5,000
Rental / Purchase of Medical Appliances Up to $5,000
Cremation / Burial Up to $5,000
Repatriation of Remains Covered
Accidental Death & Dismemberment Up to $25,000
Double Dismemberment Up to $25,000
Single Dismemberment Up to $12,500
Maternity Benefits / Delivery Coverage Available
Pregnancy Complications Coverage Available
Flight / Travel Accident Up to Sum Insured
Trip-Break Benefit Available
Side-Trips Benefit Available
Uninterrupted Flights Coverage (in & from Canada) Available
24-hour Emergency Assistance Center Available


Trip-Brakes Benefit is only available to Super Visa holders, who decided to visit their home country, intending to come back to Canada without canceling insurance coverage provided by the 21 Century.

Side-Trips Benefit:

Please note that in order to be found eligible for Side-Trips insurance benefit, you MUST NOT exceed a total of 30 days outside Canada within the single year (365 days), except your country of origin, in which, medical care cost is not covered by 21 Century at all. You must also physically remain or plan to remain in Canada for 51% of your insurance coverage period.

Travel to Canada & Back Home Coverage:

With a 21 Century’s Visitors to Canada, the medical emergency insurance policy will cover uninterrupted flight (including stop-over / connecting flight, if you are not leaving the airport) on your way to Canada. The coverage is provided if your arrival and effective dates are the same, and the policy expires by the time you land in your country of origin or permanent residence, provided that the expiry date and the date you land back home match.


Unlike other Canadian medical insurance providers, 21 Century has per policy deductible, which does not require you to pay the set amount of deductible in case of any claim you make other than the first one.

Policy Wording:

Policy Wording is an official document issued by the 21 Century, outlining and explaining your coverage benefits, eligibility requirements, exclusions and limitations applicable to your insurance as well as instructions on how to request a refund and submit a claim.

Read this document carefully before you purchase the product in order to clarify any confusions you might have in regards to the medical emergency coverage 21 Century provides for Visitors to Canada. Click to download –21st Century Visitor to Canada Policy Wording

You are not eligible for coverage with the 21 Century’s policy in case:

– You have been advised not to travel by a physician.
– You have been diagnosed with a terminal illness with less than 2 (two) years to live.
– You have been diagnosed with lung, liver, brain, pancreatic; any other type of metastatic cancer in the last 2 (two) years.
– You have been using home oxygen during the 12 months period (before the date you apply for coverage).
– You have had/waiting for a bone marrow or organ transplant (excluding corneal transplant).
– You have a kidney condition that requires dialysis.
– You reside in a care/nursing home or rehabilitation facilities.

Age and Coverage Period Restrictions:

If you are under 85 years old, 21 Century will provide you with a medical emergency coverage up to 365 days (1 year). However, in case you are 86 or older, you are only allowed to purchase 21 Century medical care coverage for the first 180 days (6 months) starting from your arrival date to Canada. Unfortunately, no further coverage will be available to you until you return to your home country.

Waiting Period:

Waiting Period is NOT applicable to anyone, who have purchased and/or activated (monthly payment plan) 21 Century insurance before coming to Canada and adjusted the Effective date to the actual arrival date or has extended the policy coverage with no gap.

Waiting Period applies due to the following:

– The policy is purchased/activated after the Date of Arrival in Canada.
– The policy is purchased/activated before or after arrival in Canada and insured person failed to notify us when they have actually arrived unless the arrival date matches the effective date of the insurance policy.
– Insured person requests to change the deductible amount, sum insured and/or add or exclude Stable Pre-existing Conditions Coverage, if renewing the policy with no gap in coverage.

Waiting Periods:

– 72 hours – The insurance policy is purchased/activated within the first 30 days after your arrival in Canada.
– 7 days – You buy/activate the policy after the first 30 days of your arrival in Canada.
– 15 days – You are age 86 or over and you purchase/activate your insurance plan with 21 Century after your arrival date.

Important Notice:

Expenses related to any sickness that manifests itself during the waiting period are not covered under this insurance plan, even if the costs are incurred after the waiting period has ended.

In case you have stayed in Canada for a while being covered under an insurance plan from another company, and you are buying 21 Century emergency health care coverage, you are allowed to request to have the waiting period negotiated.

Making a Claim with 21 Century:

In case of a medical emergency, you or someone on your behalf has to notify Assistance Center prior to making a claim, if it is possible. Failure to contact 21 Century will reduce the payable insurance premiums by 20%, which you will have pay out of pocket to a medical specialist or a facility you have received medical treatment at. If you are admitted to a hospital and it was medically impossible for you to contact 21 Century due to your condition, there will be no penalty.

21 Century Assistance Centre is available 24-hours a day, 7 days a week.

– Toll-Free – 1.877.882.2957 (within Canada & USA) – Collect – 1.519.251.7856 (Canada)

In order to file a claim you will need to submit the following:

– Complete Claim Form; – Policy Number; – Proof of all travel dates (airplane ticket, passport or visa); – Original itemized medical receipts, bills and invoices; – Proof of payment, in case you have paid for the claim; – Complete medical and hospital records; – If it was a motor vehicle accident, submit a copy of a police report; – If a claim is made under Accidental Death & Dismemberment, you need to submit: a) Police, autopsy or coroner’s report; b) Medical Records; c) Death Certificate; Click to Download –21st Century Visitor to Canada Claim form

Premium Refunds:

All refunds and cancellations are a subject to $25 policy administration fee.

You can request a Full Refund of the insurance premium in case:

– You have applied for Super Visa, and it was rejected. All other requests for premium refunds due to not traveling to Canada should be submitted for approval by 21 Century office.

Requests for Partial Refunds are only issued, if:

– You return to your country of origin before the insurance policy expires. – You become eligible to receive health care insured under the Provincial Medical Plan.

If you are applying for a Partial Refund and:

– Have a claim that has been paid or has been reported but not yet paid. – The total amount of all reported eligible expenses will not exceed the Deductible Amount.

You may apply to have such claim(s) withdrawn, subject to a file handling fee of $250 per claim.

Once these claims have been withdrawn in order to apply for a premium refund, no further expenses for your medical care will be accepted for consideration, regardless of the date the expense was incurred. Moreover, the file handling fee will be deducted from any amount to be refunded. In order to request a Premium Refund, please contact our Insurance Advisors.

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