An Overview of Benefits

The 21st century travel insurance visitors to Canada emergency medical insurance plan is specially made and designed by 21st century travel insurance limited.

21st century offers amole travel insurance products. Give us a call to get more information, or get in touch with an agent in your area. 21st century travel insurance in Canada has been assisting visitors, new immigrants and people returning to Canada with their insurance needs ever since 1979. 21st century insurance was the first company that has been offering monthly payment plans for parents, guardians, and grandparent super visa applications

Our commitment to you:

● Competitiveratesandproduct
● Excellent customerservice
● Promptandfairclaimshandling
● Strong agentsupport

You are always welcome to Canada whether you’re here for a short visit, or you have moved permanently. 21st century travel insurance encourages all visitors and new immigrants to buy the insurance so that all the high costs can be cover, which are associated with unprecedented accidents and illnesses while your stay in Canada. It must be noted that only a day in Canadian hospitals can cost you around $5,000 and sometimes even more! 21st century travel insurance is available for anyone coming to Canada, regardless of their travel plans; be it returning Canadians, people coming to Canada on work or student visas, landed immigrants and more.

Our plans will also include side trips for a whole 30 days, which can be for any country in the world except for the country of your origin. The side trips can occur before or after you come to Canada, and even in the middle of your visit, given that you’re spending at least 51% of your complete insured period in Canada.

Moreover, if insurance is bough or activated for the monthly payment plan before coming to Canada, you won’t have any waiting period for the sickness coverage and in many situations, the 21st travel insurance plan will also provide coverage during your flight to and from Canada and there won’t be any extra costs attached.


Select The Plan That Suits You Best

We recommend The Enhanced Plan. This plan is avail able up to age 85 and provides our full package of benets including coverage for preexisting medical conditions that have been stable for 180 days priorto the e"ective date of the policy. A questionnaire is required for this plan for the ages of 55 to 85.

The Standard Plan (available from age 55 to 85) also includes our full package of benets but does not cover preexisting medical conditions that existed in the 180 days prior to the e"ective date.The Basic Plan is a reduced benet/reduced premium plan covering just the basichospital/ medical expenses. The Basic Plan does not cover any preexisting conditions. Basic Plan premiums are approximately 2535% lower than the Standard Plan. The following benets have been removed completely or changed in the Basic Plan to reduce the premium:

● Disappearing Deductible not available
● No Medical Questionnaire Required at any age
● No AD&D Benet
● No Extra Injury Coverage
● No Dental Coverage
● No “90Day Provision”
● Maximum one followup treatment
● Healthcare Practitioner coverage restricted to acupuncturist and physiotherapist.

We offer a wide range of deductibles from $0 to $10,000 on all plans. On the Basic Plan, the deductible applies per person per claim. On the Enhanced and Standard


Special Features In The Enhanced and Standard Plans

● Extra $50,000 of coverage for accidents with the $100,000 option
● $25,000 Accidental Death & Dismemberment
● Relief of Dental Pain (up to $300) and Accidental Dental coverage (up to $4,000)
● Our unique Continuing Treatment provision has no specic limit on the number of follow-up visits and may even allow for some pre-approved visits tohappen after the policy expires.
● Our unique “90-Day Provision” reinstates benets that might otherwise be cut off after an emergency ends. A subsequent claim for the same medical condition can be covered as long as the condition has been stable in the 90 days prior to that subsequent claim.


Special Features In All Plans:

● Significant savings with companion rates.
● Family rates can be obtained for older parents (over age 54) travelling with childrenunder age 22.
● Policy limits up to $200,000 are available.
● Monthly payments available on any plan with the purchase of a 365-day policy and coverage of $100,000 or more.
● Upgrade to a two-year monthly payment policy for a small surcharge.


General Information and Eligibility :

you are not eligible for coverage under this policy if:
● you are travelling against the advice of a physician;
● 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 pancreac, lung, brain, or liver cancer; or any type of cancer that has spread from one part or organ of the body to another (metastac cancer);
● you have had or are waing for an organ or bone marrow transplant (excluding corneal transplant);
● you have a kidney condion requiring dialysis;
●you have used home oxygen during the 12 months prior to the date of applicaon; and/or
●you reside in a nursing home, other long term care or rehabilitaon centre.

We reserve the right to decline any applicaon.

One or more persons may be insured under one policy. However, the effective date and expiry date must be idencal for all applicants. Each applicant must pay their appropriate individual premium unless family rates apply.
Be sure to review the waing period de"nion to determine if there is any time that you will not be reimbursed for expenses related to any sickness manifesting during that time


Monthly Payment Plan:

the Monthly Payment Plan is restricted to:
● an applicant who is either applying for or holds a valid Temporary Resident, Work or 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. Additional cancellation restrictions as well as other terms, limitations and conditions will apply as stated in your Monthly Payment Authorization Form and in the sections of this policy highlighted by a redoutlined box.


Start Of The Coverage :

Coverage starts on the effective date. If you purchased your coverage after your arrival date, a waiting period may apply. Refer to the definition of waiting period in the Definitions section of this policy.

If you are arriving prior to the effective date shown on your policy confirmation, coverage does not start until this effective date or until we receive proper notification to change your effective date. A waiting period will apply if you have already arrived and request a date change to an earlier effective date.

If you will arrive later than the effective date shown on your policy confirmation, you must contact 21st Century prior to this effective date to request a date change. If notification of late arrival is received after the effective date, there will be no refund for the premium paid for coverage between the effective date shown on your policy confirmation and the date we receive your request for the date change.

For any approved date change, a revised policy confirmation will be issued.
At no time will we advance your original effective date more than two years from the original effective date selected when the policy was issued. At the end of two years from your original effective date, if you do not have a scheduled arrival date, the policy must be cancelled. Notification of cancellation will be sent to the last known mailing and email addresses and/or we will call you at the phone number on file. Your agent who sold you the policy will also be notified. Your premium will be refunded less a $25.00 processing fee. If you are purchasing coverage to extend your trip, you will receive a new policy with policy terms starting on the effective date stated on your policy confirmation.

If your policy was purchased under the Monthly Payment Plan, 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.

If you have not activated your policy within two years of the original 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 and/or we will call you at the phone number on file. 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 the $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.


Your Coverage Ends

Coverage ends on the expiry date. Please see the Definitions section to determine the expiry date.


Side-Trips Outside of Canada

This insurance provides coverage when you are travelling in any other country, excluding your country of origin, subject to all the policy terms.

To be reimbursed for eligible costs:

(a) you must have paid the required premium for those trip days which are prior to and/or your arrival to Canada after your departure from Canada; and
(b) you must be continuously insured under a 21st Century Visitors to Canada policy or consecutive policies with no gaps in coverage; and
(c) the maximum number of combined days you can be covered in any other country before, during or after your visit to Canada must not exceed 30 days in total within a 365-day period: and
(d) you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with us.

If you are insured with us for more than 365 consecutive days with no gaps in coverage, we will permit a maximum of 30 days in each subsequent 365-day period for side-trips

Proof of all travel dates will be required in the event of a claim.

During your coverage period, if you take a side-trip outside of Canada that is longer than that permitted in this policy, your coverage will be suspended for the remainder of your side-trip, but your coverage will not be terminated. When you return to Canada, your coverage will resume and continue up to the expiry date shown on your policy confirmation. We will not reimburse you for insured services and/or any other expenses arising from any sickness, disease, symptom, or injury that presented, recurred, or was treated during any such suspension of coverage.


Insuring Agreement

If, between the effective date and the expiry date, you suffer an unexpected emergency sickness or injury which results in you paying for or incurring costs for insured services, we will reimburse you or your designated assignee for such eligible expenses up to the aggregate policy limit shown on the policy confirmation less any applicable deductible amount, and subject to the policy terms.


Insured Services

Subject to the policy terms, we will reimburse you for eligible expenses incurred by you, that are in excess of any other sums which you are legally entitled to recover from any health insurance plan or any other valid and collectible policy of insurance and your deductible amount, for

1. Expenses to receive emergency medical attention: Reasonable and customary charges for medical care received from a physician in or out of a hospital, the cost of a hospital room (semi-private room when available or an intensive care unit when medically necessary); tests that are needed to diagnose or learn more about your condition; and drugs that are prescribed for you and are available only by prescription from a physician; one follow-up visit during your period of coverage and as prescribed by your physician as a result of your emergency, which must have been reported to our Assistance Centre. 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.

2. private duty registered nursing or licensed home care providers and rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance up to $5,000 following emergency insured services when prescribed in writing by a physician. The use of any private duty registered nurse or licensed home care provider must be authorized in advance by the Assistance Centre.

3 . services provided by a health-care practitioner, up to a combined total of $1,000 for a covered emergency, when you have received prior written referral from a physician.

4. the use of a licensed local ambulance service for emergency transportation.

5. prescription medications up to $500 and not exceeding a 30-day supply when these medications are prescribed on an outpatient basis. We will not reimburse you for any medications that can be purchased over the counter.

6. in the event of your death, up to $7,500 for the combined cost of preparing your body for burial or cremation, transportation (including a standard shipping container normally used by the airlines) to your place of burial, and the cost of preparing related legal documentation. In no event will we pay for the cost of a coffin or urn. This benefit must be authorized and arranged by the Assistance Centre.

7. If your treating physician and our medical advisors recommend that you return to your country of origin because of your emergency or after your emergency treatment, we will pay for one or more of the following:
● the extra cost of an economy class fare via the most cost-effective itinerary.
● a stretcher fare on a commercial flight via the most cost-effective itinerary, if a stretcher is medically necessary.
● the return economy class fare of a qualified medical attendant via the most cost-effective itinerary to accompany you, and the attendant’s reasonable fees and expenses, if this is medically necessary or required by the airline; or
● the cost of air ambulance transportation, if it is medically necessary. This benefit must be authorized and arranged by the Assistance Centre.

8. obtaining hospital, medical or health-care practitioner records, or a medical report from a physician or health- care practitioner provided we request the record or report. Under no circumstances will we reimburse you for the cost of completing the c


Exclusions and Limitations:

We will not reimburse you for insured services and/or any other expenses arising directly or indirectly from:
1. any pre-existing medical condition.
2. any sickness that manifests before or during the waiting period even if related expenses are incurred after the waiting period.
3. 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
(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 a physician to advise you not to travel; and/or
(iv) 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.
4. any expenses or benefits if the information provided on your application for insurance is not truthful and accurate or you did not meet the eligibility requirements.
5. cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) such as, but not limited to, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies, or charges unless approved by the Assistance Centre prior to being performed, except in extreme circumstances where such procedures are performed on an emergency basis immediately upon admission to a hospital.
6. self-inflicted injury, suicide or attempted suicide; a criminal act or an attempt to commit a criminal act.
7. any sickness, injury or death related to your intoxication, the misuse, abuse, overdose, or chemical dependence on medication, drugs, alcohol, or other intoxicant.
8. an emergency resulting from: mountain climbing requiring the use of specialized equipment, including carabineers, crampons, pick axes, anchors, bolts and lead- rope or top-rope anchoring equipment to ascend or descend a mountain; rock-climbing; parachuting, skydiving, hang-gliding or using any other air-supported sporting device; 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.
9. 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.
10. the provision of insured services to children 30 days of age or younger.
11. an act of war or an act of terrorism when you are outside of Canada and covered under this insurance.
12. any treatment that is elective, cosmetic and not for an emergency and/or general health examinations or services.
13. a continuation of treatment or service first recommended or prescribed by a physician or health-care practitioner before the effective date of this policy or where such insured services were first initiated before the effective date of this policy or during the waiting period, or for holders of a valid multiple-entry visa issued by the government of Canada, during a return to your country of origin during the Coverage Period.
14. prescription drugs or medicines, treatment, appliances, or devices provided for any pre-existing condition.
15. your medical or health assessment or any form of report or document supporting an application to obtain immigrant status or extend your visa in Canada or any recommended treatment resulting from such health assessment.
16. any medical treatment or follow-up visit outside of Canada when the emergency occurred in Canada.
17. any loss resulting from your minor mental or emotional disorder.
18. any emergency that occurs or recurs after our medical advisors recommend that you return to your country of origin and you choose not to. (See Loss of Coverage.)
19. 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.
20. any medical condition you suffer or contract in a specific country, region or city outside of Canada, while covered under the "Side-Trips Outside of Canada" provision or while on an uninterrupted flight to or from Canada if a government of Canada Travel Advisory, issued before you travel to that location, advises against all or non- essential travel to that specific country, region or city. In this exclusion, medical condition is limited, related or due to the reason for the Travel Advisory.
21. any medical treatment for which you are eligible and/or covered under a government health insurance plan.
22.. covered expenses that exceed 80% of those we would normally pay, if you do not contact the Assistance Centre within 24 hours of hospitalization 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 must call on your behalf.
23.. your failure to follow a recommended or prescribed therapy or treatment.
24.. Any expenses arising from any sickness, disease, symptom, or injury that presented, recurred or was treated during any suspension of coverage during a Side-Trip Outside of Canada.

Note: Each time you purchase another policy from us, each new policy will have a new effective date even if you are continuing the same visit to Canada (or other country covered under the


Rates

Maximum Coverage Period: 1) Coverage is available for up to 365 days under one policy (730 days is available if purchasing under the Monthly Payment Plan). 2) For age 86 and over, coverage is available for the Basic Plan only. “Extra Injury Coverage” Additional $50,000 of coverage with the $100,000 option on the Standard or Enhanced Plans: When the applicant purchases the $100,000 Aggregate Policy Limit on the Standard or Enhanced Plans, a bonus $50,000 of additional coverage is automatically included for eligible expenses incurred as a result of an injury.

$25,000 Accidental Death & Dismemberment: In addition to the selected Aggregate Policy Limit (APL), $25,000 Accidental Death and Dismemberment coverage is automatically included for ALL applicants when they purchase the Standard or Enhanced Plans (Accidental Death & Dismemberment is not included in the Basic Plan).

Table 1 - ENHANCED PLAN RATES
All rates include coverage for pre-existing conditions that are stable in the 180 days prior to the Effective Date - $0 Deductible
Is a Medical Declaration Required? No Medical Declaration Required Medical Declaration Is Required
Aggregate Policy Limit Up to 25 years of Age Age 26 to 3 Age 35 to 39 Age 40 to 54 Age 55 to 59 Age 60 to 64 Age 65 to 69 Age 70 to 74 Age 75 to 79 Age 80 to 85 Age 86 and over
$15,000 $2.30 $2.48 $2.59 $2.75 $3.00 $3.76 $4.40 $6.50 $7.70 $10.70 n/a
$25,000 $2.45 $2.65 $2.70 $3.13 $3.20 $4.15 $4.90 $7.20 $8.80 $12.50 n/a
$50,000 $2.75 $2.98 $3.00 $3.57 $3.72 $5.05 $5.77 $8.83 $11.59 $14.71 n/a
$100,000 $3.68 $3.94 $4.20 $5.15 $5.45 $6.50 $7.73 $11.10 $13.80 $17.25 n/a
$150,000 $4.30 $4.80 $5.00 $6.15 $6.55 $7.70 $8.90 $12.40 $15.32 $22.26 n/a
$200,000 $5.80 $6.43 $6.57 $7.98 $8.51 $9.20 $10.90 $17.60 $20.00 $28.00 n/a
Age means each applicant’s age on the Effective Date of the policy.



Table 2 - STANDARD PLAN RATES
All rates exclude coverage for pre-existing conditions that existed in the 180 days prior to the Effective Date - $0 Deductible
Is a Medical Declaration Required? No Medical Declaration Required
Aggregate Policy Limit Up to 25 years of Age Age 26 to 34 Age 35 to 39 Age 40 to 54 Age 55 to 59 Age 60 to 64 Age 65 to 69 Age 70 to 74 Age 75 to 79 Age 80 to 85 Age 86 and over
$15,000 See Chart Above - Stable Pre-existing Conditions are automatically covered under age 55 on the Enhanced Plan $2.30 $3.00 $3.50 $5.50 0 $6.80 $9.17 n/a
$25,000 $2.75 $3.70 $4.25 $5.90 $7.00 $10.60 n/a
$50,000 $3.20 $4.36 $5.10 $7.80 $9.95 $12.00 n/a
$100,000 $4.40 $5.25 $6.60 $9.45 $11.95 $13.76 n/a
$150,000 $5.50 $6.40 $7.40 $11.00 $13.75 $19.58 n/a
$200,000 $6.45 $7.30 $8.60 $14.10 $16.40 $23.00 n/a
Age means each applicant’s age on the Effective Date of the policy.


Age means each applicant’s age on the Effective Date of the policy
All rates exclude coverage for pre-existing conditions that existed prior to the Effective Date - $0 Deductible
Is a Medical Declaration Required? No Medical Declaration Required
Aggregate Policy Limit Up to 25 years of Age Age 26 to 34 Age 35 to 39 Age 40 to 54 Age 55 to 59 Age 60 to 64 Age 65 to 69 Age 70 to 74 Age 75 to 79 Age 80 to 85 Age 86 and over
$15,000 $1.50 $1.60 $1.70 $1.80 $2.00 $2.50 $2.90 $4.25 $5.00 $6.90 $10.00
$25,000 $1.60 $1.70 $1.80 $2.00 $2.15 $2.80 $3.25 $4.75 $5.50 $7.95 $12.50
$50,000 $1.75 $1.85 $2.00 $2.30 $2.48 $3.35 $3.85 $5.70 $7.30 $9.30 $13.50
$100,000 $2.30 $2.58 $2.75 $3.35 $3.65 $4.30 $5.05 $7.20 $8.90 $10.80 $14.50
$150,000 $2.75 $3.15 $3.30 $4.05 $4.35 $5.10 $5.90 $8.25 $10.25 $14.50 $18.00
$200,000 $3.75 $4.30 $4.40 $5.25 $5.65 $6.25 $7.50 $12.00 $13.50 $18.85 $25.00
Age means each applicant’s age on the Effective Date of the policy.

Deductible Options:

*Family Rates: Charge 2x the oldest applicant’s total premium. A “family” is defined as a maximum of two parent(s) or legal guardian(s) plus their unmarried children under age 22 dependent on them for their sole means of support and visiting Canada with them. List all “family” applicants on the application and ALL APPLICANTS must select the same Plan.

*Family Rates are not available on the Standard Plan. Travel Companion Savings of 5% applies to each applicant travelling together on the same policy. Travel Companion Savings cannot be applied to Family Rates. Minimum Policy Premium is $25.00. Displayed premiums are per person per day, and are subject to change without notice.


RATE TABLE GUIDE (V09.2)
Plan* Age Available to Medical Declaration Required? Coverage for Stable Pre-existing Conditions Premium Table Normal Deductible Amount
Enhanced Age 0 to 54 No Yes Table 1 $0
Age 55 to 85 Yes Yes Table 1 $0
Standard Age 55 to 85 No No Table 2$0
Basic All Ages No No Table 3 $0

DEDUCTIBLE AMOUNT OPTIONS
Deductible Amount Option (CDN dollars) Plan Availability Surcharge or Discount to Apply Available to Age Comments
$0 All Plans Use Rate Table All Ages
$100 All Plans -5% All Ages
$250 All Plans -10% All Ages
$500 All Plans -15% All Ages
$1000 All Plans -20% All Ages
$2,500 (Disappearing) Standard & Enhanced -30% for $25,000 APL Up to Age 85Per person, per sickness claim
$2,500 (Disappearing) Standard & Enhanced -25% for $50,000 APL Up to Age 85Per person, per sickness claim
$2,500 (Disappearing) Standard & Enhanced -20% for $100,000 APL Up to Age 85Per person, per sickness claim
$5,000 All Plans -35% All Ages
$10,000 All Plans -40% All Ages