An Overview of Benefits

Benefit Basic Plan Standard & Enhanced
Eligible For Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC
Coverage Amounts $15,000 / $25,000 / $50,0000 / $100,000 / $150,000 / $200,000 $15,000 / $25,000 / $50,0000 / $100,000 / $150,000 / $200,000
Emergency Hospitalization
Physician’s Services
Local Ambulance Transportation
Diagnostic and Laboratory Tests
Emergency Return Home / Repatriation
Medical Report Request
Rental of Medical Appliances Up to $5,000 (Combined with Private Duty Nurse benefit) Up to $5,000 (Combined with Private Duty Nurse benefit)
Private Duty Nurse & Home Care Provider Up to $5,000 (Combined with Medical Appliances benefit) Up to $5,000 (Combined with Medical Appliances benefit)
Prescription Medication Up to $500 / 30-day Supply Up to $500 / 30-day Supply
Repair of Accidental Dental Damage Up to $4,000
Dental Pain Relief Benefit Up to $300
Repatriation / Cremation / Burial Up to $7,500 Up to $7,500
Follow Up Visits 1 Visit Multiple Visits
Services of Paramedical Practitioners Up to $1,000 Up to $1,000
Extra Injury Coverage $50,000 if coverage amount is $100,000 or more
Accidental Death Up to $25,000
Single / Double Dismemberment Up to $25,000 / Up to $12,500

Change In Effective Date

If you have opted for a visitor or super visa insurance policy that requires upfront payment, you will have to be very careful with the effective date. You can have your effective date changed on the file by sending the date change request well before the policy becomes active. The policy will be effective at the current effective data mentioned on the insurance policy document.Additionally, you need to remember that date changes can only be done before the coverage begins.
If you’ve purchased a monthly payment plan, which wasn’t active at the time of purchase, you won’t have to alter the effective date on file. However, if you want to activate the coverage and insured travel plans are confirmed, then you might need to change it. All in all, make sure that your policy should be activated before your arrival in Canada.

Side-Trips Benefits

Side-trips insurance benefits are amazing, but if you’re to avail them, you cannot spend a month outside Canada, within a particular year. However, the only exception to this rule is if you’re going to your own country, where the medical costs will not be covered by 21st Century Insurance. To be eligible for 21-century travel insurance, you need to be present in Canada for more than 50% of your insurance coverage time.
The eligibility criteria for the Trips-Break Benefit is quite different. This exclusion is only accessible for people who have a super visa, who have decided to go to their home country but with the intention of coming back to Canada, without terminating their insurance coverage offered by the 21 Century visitor insurance.

The Deductions

The 21-century insurance Canada is different from other insurance providers in the country because the standard and modified plans are deductible by policy. This means you will not have to pay the fixed amount for deduction if you’ve made any claims other than the first one.

Traveling To Canada And Back Home

With the 21 Century insurance, the policy will cover your air freight. This will cover direct flights, as well as indirect (including stop-over flights and connecting, provided that you don’t leave the airport premises), while you are on your way to Canada.
You will get the coverage if your effective and arrival dates are aligned. Moreover, your policy expiry date and the date you’re landing home should match as well.

Waiting Time

The waiting period does not apply to someone who hasn’t purchased or activated the monthly payment plan of the 21 Century insurance, prior to arriving in Canada. Furthermore, if the effective date has been adjusted to the original arrival date or the policy coverage has been extended, the waiting period won’t be applicable.
This waiting period is only applicable when:
● The policy is bought after the date of arrival in Canada.
● The policy is purchased before arrival in Canada and the insured party fails to get in touch with us after arrival. There will be an exemption if the arrival date is the same as the effective date of the policy.
● The insured party puts a request to get the deductible amount changed or get the sum insured if there is no gap in coverage while renewing the policy. The waiting durations are as follows:
● 72 hours if the policy is activated within a month after arrival in Canada.
● 7 days if you buy the insurance policy after a month of your arrival in Canada.
● 15 days, if you’re above, 86 years of age, or above, and you buy the 21-century insurance plan after the date of arrival. You are allowed to put forth a request to get the waiting period waived off if your renewal is done before the current insurance policy expires. This can be done if you have been staying in Canada for a considerable amount of time under the cover of the 21-century insurance plan and you’re seeking to renew your emergency health care coverage.

The Policy Wording Document

21 century issues an official document named Policy Wording that outlines and elaborates the coverage benefits given to you, along with eligibility criteria, the limitations of your insurance, and proper guidelines on how to get a refund or submit a claim. It’s advisable to read this official document clearly before you buy the product so that you don’t end up with any ambiguities regarding the medical emergency coverage 21 Century offers to people coming to Canada.

Eligibility Requirements

Following are the cases where a person will be deemed as ineligible for the 21-century policy:
● Your doctor/physician has advised you against traveling
● You are about to have a bone marrow transplant or any other organ transplant (corneal transplant is an exception).
● You’re living in a nursing home facility
● You have been using oxygen for a year before applying for coverage
● You’re diagnosed with pancreatic, liver, or lung cancer, or you’re suffering from some brain issue in the last two years.
● You’re diagnosed with a chronic illness and the doctor has mentioned you have less than 2 years to live.

Restrictions For Age

You will not be eligible to apply for the 21-century standard and enhanced insurance plans if you’re 86 years old or above. However, seniors do have the option to select the basic plan.

Coverage For Already-Existing Medical Conditions

You will have to match the following requirements to apply for the policy that covers the pre-existing medical conditions:
● If the applicant is 54 years old or above. The coverage for pre-existing medical conditions will be included in the policy.
● If the applicant is aged 55 to 85 years. In this case, coverage for pre-existing medical conditions will have to be selected to be included in the plan. You should also note that only those medical issues will be covered that have been present for around 180 days.
● If the applicant is aged 85 years or above. In such cases, pre-existing medical condition coverage cannot be given.