21st Century Visitors to Canada Insurance Review
21st Century Travel Insurance is an independent travel insurance brand available from approved agents, and underwritten by Manulife Insurance. Operating since 1979, 21st Century has a long history of helping Visitors to Canada, and has been able to negotiate a higher quality travel insurance product from Manulife, including a unique monthly payment plan for Super Visa holders.
21st Century is most popular with Super Visa applicants aged 75+ and IEC Visa applicants aged under 59.
Standout Policy Benefits
Paramedical Services
$1,000 per profession (Standard and Enhanced Plan)
Deductible
Up to $10,000 (Basic, Standard & Enhanced Plan)
Travel to Other Countries
Max 30 days coverage. The majority of covered period needs to be spent in Canada. (Basic, Standard & Enhanced Plan)
21st Century Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
Higher quality secondary benefits, including follow-up provisions. | Higher premium on select age groups. |
Unique monthly payment option for Super Visa policyholders: only a $50 administration fee when choosing a monthly payment plan, no other surcharges. | 21st Century Super Visa insurance: this policy is not cancellable unless you present a visa denial or withdrawal letter. |
Easy to cancel upon early return to home country. | |
The Basic Plan has no age limit. | |
Each 21st Century policy has deductible options that help to reduce upfront costs. |
21st Century Monthly Payment Option
The monthly payment plan is restricted to an applicant who is either applying for or holds a valid Temporary Resident, Super Visa, Work, Student Visa, or other visitor visa issued by the government of Canada when the issuance of such visa is conditional on the purchase of mandatory medical insurance.
A minimum coverage period of 365 days and a minimum aggregate policy limit of $100,000 must be purchased.
Coverage does not start until the policy is activated. Upon successful activation of your policy, coverage starts on the effective date shown on your policy confirmation. If you activate your policy after your actual arrival date, a waiting period will apply.
Under the monthly payment option, an initial deposit equal to (2) two months of premium is payable at the time of application. A third month of premium is payable when the policy is activated. Thereafter, the effective date will establish the premium due date and monthly premiums must be paid in each subsequent month until the full policy premium has been paid or until you provide proof that you have returned to your country of origin (whichever is earlier).
If you have not activated your policy within two years of the effective date shown on your policy confirmation, the policy must be cancelled. Notification of such cancellation will be sent to your last known mailing and email addresses. Your agent who sold you the policy will also be notified. You are requested to confirm receipt of this notification. Upon your confirmation, your deposit premium less a $50 policy fee will be refunded. If there is no response from you within 30 days, your deposit premium and policy fee will be non-refundable.
Additional cancellation restrictions as well as other terms, limitations and conditions will apply.
Frequently Asked Questions
Basic Plan: No age limit.
Standard & Enhanced Plan: Up to 85 years old.
Yes! The 21st Century Enhanced Plan covers stable pre-existing medical conditions. Generate a quote on the left side of this page to check stability requirements.
