21st Century Travel Insurance

• Visitors to Canada
• New immigrants awaiting coverage under the government health plan
• Parents and grandparents applying under the Super Visa program
• Holders of a Temporary Resident, Work, or Student Visa issued by the Government of Canada

No age limit on the Basic Plan. Standard and Enhanced plans cover ages 0 to 85. More than one person can be insured under the same policy, provided the start and expiry dates are identical for all applicants.

• Meets Super Visa parental/grandparental insurance requirements
• Emergency medical coverage up to $200,000
• Medical coverage on inbound and outbound flights
• Side-trip coverage outside Canada (up to 30 days per 365-day period)
• Monthly payment option for policies of $100,000 or more
• Two-year policy option for policies of $100,000 or more
• Discounted companion and family rates

Available coverage amounts: $15,000 to $200,000 · Deductibles from $0 to $10,000

You are NOT eligible for coverage if any of the following apply:

• Traveling against a physician's advice
• Diagnosed with a terminal illness with less than 2 years to live
• Diagnosed or treated in the last 2 years for pancreatic, lung, brain, or liver cancer
• Diagnosed with any type of metastatic cancer
• Has had or is awaiting an organ or bone marrow transplant (except corneal transplant)
• Diagnosed with congestive heart failure
• Prescribed or used home oxygen in the last 12 months
• Requires kidney dialysis
• Resides in a nursing home or long-term care facility
• Is 86 years of age or older (does not apply to the Basic Plan, which has no age limit)

• Up to 72 hours if your common carrier is delayed
• Up to 5 days if a medical emergency prevents travel (without hospitalization)
• Full hospitalization period plus up to 5 days after discharge (maximum 365 days) if hospitalized on the expiry date

Coverage extends to side-trips in any other country (excluding your country of origin), whether taken before you arrive in Canada, during your stay, or after you depart Canada.

• You must remain continuously insured with no gaps in coverage
• Combined time outside Canada cannot exceed 30 days within any 365-day period — renewable for each subsequent 365-day period if you stay insured
• You must be in Canada, or have a planned insured visit to Canada, for at least 51% of your total insured time
• Proof of all travel dates will be required if you file a claim
• Trips to your country of origin are not covered under this provision

• Full refund up to the effective date if no claim has been paid or denied
• Partial refund for early return to your country of origin, provided no claim has been paid or denied
• If a claim has been paid, a $300 handling fee per claim applies; a denied claim carries a $500 handling fee
• All refunds are subject to approval by 21st Century