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21st Century Travel Insurance

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About the Business

21st Century Travel Insurance has been providing quality travel insurance solutions to travelling Canadians and Visitors to Canada since 1979. One of our many specialties is insurance for Super Visas and you can choose monthly payments and even a two year option. …

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18-1040 Division Street

Cobourg, ON K9A 5Y5

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21st Century Travel Insurance Ltd (1040 Division St, Cobourg, ON K9A 5Y5). These people are scammers. They have no respect to their clients. Policies are written in a vague language. So they will trick you in all the ways they know. They have the good package of delayed claim processing , so many no refund policies, Cancellation fees, Processing fees and what not. Takes hour to contact someone to address an issue. Agents network takes the commission just selling the policies but they do not take care of issues when it comes. (Agents does not answer for your questions, there a huge gap between what the sell vs what you get). Owner Jeff has 40 years of experience. But acts like a baby when it come to resolve claims. Please go somewhere else. Every other company would be better than these scammers. Please read google reviews before purchasing a policy. Otherwise you'll be the next one to write a similar bad review. They'll ask clients to write good reviews even for horrible service.

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Business Owner

Aug 9, 2024

Please feel free to contact me again to walk through the legitimate reasons why you were refunded two months of premium and not the three you wanted.

21st Century agents are scammers. I was sold a policy based on false basis. The claim ended up being rejected and when I tried to reach the agent or any one in the management at their office. I was cut off. Be careful while trusting what they say as the result could be REJECTION OF CLAIM. while selling you the policy, everything would seem to work (even after repeatedly clarifying).

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HelloSafe » Travel Insurance » 21st Century

21st Century Travel Insurance Review 2024: Updated

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Information verified by   Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Travelling can be an exciting adventure, but it also comes with its own set of risks and uncertainties. 21st Century Travel Insurance offers comprehensive plans to ensure you are protected against unexpected medical emergencies, flight delays, cancellations, and more.

Whether you are a visitor to Canada, a Canadian resident travelling out of province or the country, or someone with specific medical needs or unstable pre-existing conditions, 21st Century Travel Insurance has a plan for everyone.

So, what does 21st Century Travel Insurance cover? How much does it cost? What are its pros and cons? How do you get a quote or file a claim? Find all these answers in our comprehensive 21st Century Travel Insurance review.

21st century travel insurance: Key points

• Offers flexible plans for both Canadians and visitors
• Up to $10 million in emergency medical benefits
• Coverage for Canadians with pre-existing medical conditions
• Both multi-trip and single-trip plans are available
• Quotes require filling up a form and requesting a callback/email
• All products are underwritten by Manulife Financial

Our 21st Century Travel Insurance Review

21st Century Travel Insurance offers a range of comprehensive plans for visitors to Canada, Canadians travelling abroad, and those with specific medical needs, with no age restrictions . Their policies are underwritten by Manulife travel insurance making them highly reliable.

For Canadians travelling outside their province or abroad, 21st century offers up to $10 million in emergency medical coverage, which is as high as reputed providers like BCAA Travel Insurance and more than the $5 million offered by Blue Cross. It offers both single and multi-trip medical insurance plans, and the all-inclusive plan covering trip cancellations (up to $3,500), baggage loss, and travel accidents . It also provides the option of a stand-alone Trip Cancellation and Interruption plan that requires no medical questionnaire and offers 24*7 assistance.

The Visitor to Canada plans include Enhanced, Standard, and Basic options, covering ages 0 to 111, with benefits up to $200,000 in coverage, AD&D, and dental accident coverage. What makes 21st Century stand apart is also the option of a Monthly Payment Plan for students, super visa and work visa holders , giving them a feasible and economic alternative.

Another standout feature is the Special Medical Underwriting plan for those with new or changed pre-existing conditions, offering up to $5 million in emergency medical coverage without a stability period .

However, policies can't be purchased online and quotes require you to fill up a form for a callback or speak to an agent over the phone. Despite these drawbacks, 21st Century Travel Insurance is a reliable travel insurance choice because of its extensive medical coverage for travelling Canadians, and diverse options for visitors including students. It is also particularly a great option for those who are otherwise not eligible for standard travel insurance due to unstable pre-existing conditions.

Expert advice

21st Century Travel Insurance is ideal for travellers seeking extensive medical coverage, particularly visitors and Canadians travelling internationally. It's also an excellent choice for individuals with pre-existing or special medical conditions who may not qualify for traditional travel insurance. With coverage extending up to 111 years of age, it is a great option for Canadian seniors travelling abroad. Additionally, the monthly payment plan makes it an economical choice for students.

Pros of 21st Century Travel Insurance Canada

• Comprehensive plans for Canadians and visitors
• Up to $10 million in emergency medical coverage
• Coverage option for those with unstable pre-existing medical conditions - up to $5 million benefits
• Monthly payment plan option for students, visitors, super visa holders
• No age restrictions - coverage up to 111 years
• 24-hour worldwide emergency medical assistance
• Up to $100,000 for Flight Accident
• Underwritten by Manulife

Cons of 21st Century Travel Insurance Canada

• Cannot be purchased online
• No online quotes . You must call or request a call from an agent for a quote
• Medical questionnaire for those above 60

Before choosing 21st Century travel insurance, compare options and quotes. A little shopping around can help you to save money and find coverage that fits your needs. Use our free tool below to compare travel insurance quotes from Canada's best companies and get instant results.

Compare the best travel insurance plans on the market!

What does 21st Century travel insurance cover?

21st Century Travel Insurance Limited offers various plans for visitors to Canada and travelling Canadians. Here's a table on the plans offered, followed by a detailed breakdown on what each plan covers.

Visitor to Canada Insurance

Provides protection against unexpected emergency medical expenses for visitors, landed immigrants, returning Canadians, and those on work/student visas while in Canada. This includes coverage for:

• Physician services
• Hospitalization costs
• Diagnostic testing
• Outpatient prescription medications
• Healthcare practitioners
• Ambulance transportation
• Expenses resulting from death
• Repatriation and air ambulance

Plan Options:

• Enhanced Plan : Comprehensive benefits including stable pre-existing medical conditions (Ages 0-85, Coverage limits: $15,000-$200,000).
• Standard Plan : Comprehensive benefits excluding pre-existing medical conditions (Ages 0-85, Coverage limits: $15,000-$200,000).
• Basic Plan : Reduced benefits, excludes pre-existing medical conditions (Ages 0-111, Coverage limits: $15,000-$200,000, up to $100,000 for age 86+).

Here's a table comparing all three plans for visitor-to-Canada insurance from 21st Century.

Medicare International Travel Insurance (for Canadians)

For Canadian residents with provincial healthcare travelling outside their province or Canada.

Emergency Medical Plans:

• Single Trip Emergency Medical Plan : Coverage up to $10 million for one continuous trip. Premium discounts and top-up coverage are available. No medical questionnaire for those under 60.
• Multi-Trip Emergency Medical Plan : Coverage up to $10 million for multiple trips within a year, with trip duration options (4, 10, 18, 30, 60 days). No medical questionnaire for those under 60.

All-Inclusive Plans:

• Single Trip All-Inclusive Plan : Coverage up to $10 million for medical expenses, plus trip cancellation/interruption, baggage loss/damage, and flight/travel accidents.
• Multi-Trip All-Inclusive Plan : Similar benefits as the single trip plan, for multiple trips within a year.

Non-Medical Plans:

• Stand-alone Trip Cancellation & Interruption : Reimbursement for eligible expenses due to trip cancellation or interruption, available for up to 365 days. This plan does not require a medical questionnaire and all insured get 24-hour emergency assistance.

Special Medical Underwriting (for Canadians)

21st Century offers a Special Medical Underwriting insurance plan for Canadians not eligible for regular market insurance due to new or changed pre-existing medical conditions. This covers:

• Coverage of pre-existing medical conditions with no stability period required.
• $5 million Emergency Medical coverage.
• Medical interview and quote completed over the phone, up to 60 days before departure.

For more information on 21st Century travel insurance, download the PDF below:

Good to know

You can also get coverage on your existing credit cards . Credit cards typically have basic to extensive travel insurance benefits based on the level i.e. visa, Mastercard, etc. Use our free tool HelloCard to find out what coverage you get with your credit card travel insurance .

Special plans offered by 21st Century Travel Insurance Limited

21st Century also provides other travel insurance plans tailored for visitors to Canada, be it on a Super Visa, Visitor Visa, or Work/Student Visa.

Monthly Payment Plan (MPP) for Visitors and Super Visa Holders

21st Century Travel Insurance's Monthly Payment Plan (MPP) provides you with flexible and comprehensive coverage options to ensure a worry-free stay as a visitor.

Key Features:

• Coverage Limits : $100,000, $150,000, or $200,000.
• Coverage Period : 365 days or 730 days.
• Flexible Payments : Two-month deposit and $50 Policy Fee at application. Full deposit refund if the visa is denied (minus the Policy Fee).
• Pending Policy : Policy remains pending while awaiting visa approval, allowing travel date flexibility.
• Refunds : Early return refunds available, even if there was a claim.
• Super Visa Eligibility : Meets Parent and Grandparent Super Visa insurance requirements.

Two-Year Upgrade Benefits:

• Coverage Reset : Full coverage reset at the start of the second year.
• Rate Lock : Today's rates locked in for two years.
• Single Policy Fee : One $50 Policy Fee upon purchase.
• Refunds : Pay only for the time spent in Canada, with refunds available even if a claim was made.

What does 21st Century Travel Insurance cost?

21st Century Travel Insurance doesn't offer quotes online and requires you to call an agent/request a callback. It is therefore difficult to get exact figures. However, 21st Century travel insurance policies are offered by Manulife. So here is how much travel insurance with Manulife typically costs.

The cost of 21st Century travel insurance depends on several variables:

• Your desired coverage and options.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The length of your trip.

Therefore, we advise you to get a customized quote for accurate rates for 21st Century travel insurance.

Before settling on 21st Century travel insurance, check out other travel insurance plans, coverages and prices using our free comparison tool below .

How to buy a 21st Century Travel Insurance policy?

You must fill up an online form to buy a policy from 21st Century Travel Insurance Limited . You will be asked to enter details like your name, phone number, email, province, and the coverage you're looking for. Upon submitting, an agent nearest to you will call you back.

You could also call on the 21st Century Travel Insurance phone number: 905-372-1779.

How to file a 21st Century travel insurance claim?

Step 1: contact claims assistance centre.

You must contact the Claims Assistance Centre to report the claim, and they will provide you with the appropriate forms, usually by email.

• Toll-free (North America): 1-877-882-2957
• Collect Call (Worldwide): 519-251-7856
• Toll-free (North America): 1-855-478-3484
• Collect Call (Worldwide): 519-251-7851
• Toll-free (North America): 1-855-478-3483
• Collect Call (Worldwide): 519-251-7850
• Toll-free (North America): 1-855-478-3485
• Collect Call (Worldwide): 519-251-7857

Step 2: Receive and Submit Claim Forms

• The Assistance Centre will email you the Claim Forms.
• By Mail : Print, complete, and mail the forms. (instructions on the forms)
• Online : Set up an account and submit electronically (instructions on the forms).
• By Email : Send completed forms and documents via email. (instructions on the forms)

Step 3: Provide Required Documents

• Include proof of travel, medical reports, and itemized bills.
• Complete the Claim Form entirely to avoid processing delays.

Step 4: Receive Claim Decision

• You will receive a letter notifying you of the claim decision.
• If approved, reimbursement will be via cheque, Interac e-transfer (for payments under $5,000), or direct deposit. Indicate your preferred method on the Claim Form.

Alternative Ways to Report a Claim

You can also report a claim immediately through the TravelAid™ mobile app. The mobile app provides additional features such as Medical Facility Search, International 911 Lookup, and Travel Tips, making it a convenient option for managing your travel insurance needs.

How can I contact 21st Century travel insurance?

You can contact 21st Century Travel Insurance Limited by phone, visit their office or write to them over email. Here are the details.

Does 21st Century cover COVID issues while travelling?

Yes, 21st Century Travel Insurance covers COVID-19-related medical expenses under its emergency medical insurance policies . The coverage is subject to the terms and conditions of the specific policy purchased, and it is essential to review the policy details to understand the extent of the coverage.

You can explore our guide on the best COVID-19 travel insurance policies to know about the top options in the market.

Nishadh Mohammed is a seasoned news editor and financial writer, working with HelloSafe since May 2023. Nishadh has developed expertise in financial markets, insurance, and investment products, with a deep understanding of the Canadian financial landscape. He has honed his SEO skills and content marketing strategies while writing for Canadian publishing houses. Armed with a master's in Business Analytics and extensive journalistic experience, Nishadh uniquely combines data proficiency and thorough research to deliver comprehensive and accessible information.

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Services we offer

Corporate tax planning, corporate retirement planning, life insurance, estate planning, will planning, download brochure, super visa insurance, estate planning, visitor visa insurance, travel insurance, retirement planning, 21st century travel insurance, administrated by: 21st century travel insurance limited.

Underwritten by:  The Manufactures Life Insurance Company (Manulife Financial) 24 hours Assistance Center:  Active Care Management

IMPORTANT NOTE:  The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

• Maximum Benefits: $15,000; $25,000; $50,000, $100,000, $150,000 and $200,000 (Monthly Payment Plan is available for the $100,000; $150,000 and $200,000 coverage limit with one or two-year policy)
• Emergency hospital: semi-private room or intensive care unit when medically necessary.
• Ambulance Transportation: the use of a licensed local ambulance service.
• Emergency Air Transportation: the cost for one-way economy airfare, stretcher or air ambulance to transport you to your country of origin, and a medical attendant if required. *
• Diagnostics: tests that are needed to diagnose or find out more about your condition. **
• Physician services.
• Private duty registered nursing or licensed home care providers. *
• Medical Appliances – rental of crutches, hospital bed, splints, trusses, braces or other prosthetic devices, up to $5,000.
• Follow up visits are covered until the attending physician, or 21st Century declares the end of the medical emergency (Basic Plan is limited to only one follow-up during period of coverage).
• Professional Medical Services referred by a physician – treatment provided by a licensed acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist or podiatrist up to a maximum of $1,000 per insured (Basic Plan is limited to service from acupuncturist, chiropractor and physiotherapist).
• Re-occurrence of already claimed medical condition (Enhanced and Standard Plans only) if in the 90-days prior to that subsequent emergency this condition was stable (see 90-Day Provision exception).
• Telemedicine service by StandByMD (Maple) – 24/7 days medical consultation service that connects you within minutes to a Canadian licensed primary care physician to get an assessment, diagnosis and prescription as needed. Currently StandByMD (Maple) is available in ON, BC, NS, MB, NL, AB, PEI, NB, QC, NU and YT. Call the Assistance Center.
• Prescription drugs or medicines up to $500 and not exceeding a 30-day supply.
• Emergency Dental (Enhanced and Standard Plans only): up to $300 for relief of acute dental pain.
• Accidental Dental (Enhanced and Standard Plans only): Up to $4,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
• Expenses related to death from covered medical condition – up to $7,500 for combined cost of preparing and transportation of the body to your place of burial or for cremation and/or burial at the place of death. The cost of a coffin or urn is not covered. *
• Accidental Death and Dismemberment (Enhanced and Standard Plans only) – up to $25,000 (in excess of the aggregate policy limit).
• Flight to/from Canada coverage will be provided with no additional premium during your uninterrupted flight directly to and from Canada, when coverage is purchased prior to leaving your country of origin with an effective date equal to the date and time you are scheduled to arrive in Canada, and prior to leaving Canada to return to your country of origin with an expiry date equal to the date and time you are scheduled to leave Canada. An uninterrupted flight shall include a stop-over provided you do not leave the airport.

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 pancreatic, lung, brain, or liver cancer; or any type of cancer that has spread from one part or organ of the body to another (metastatic cancer);
• you have been diagnosed with any type of cancer that has spread from one part or organ of the body to another (metastatic cancer);
• you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);
• you have been diagnosed with Congestive Heart Failure;
• you have been prescribed or used home oxygen in the 12 months;
• you require kidney dialysis;
• you reside in a nursing home or long term care facility; and/or
• you are age 86 or older.

WAITING PERIOD for sickness:

• No waiting period if the insurance is purchased or activated prior to your arrival in Canada or the same policy has been extended.
• 72 hours if the policy is purchased within 30 days of your arrival in Canada (age 0 to 85).
• 7 days if the policy is purchased after 30 days of your arrival in Canada (age 0 to 85).
• If age 86 or older, the waiting period is 15 days for Basic Plan

 Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period.

A waiting period will apply if you:

• purchase this policy after your arrival date; or
• you have already arrived and request a date change to an earlier effective date; or
• decrease your deductible amount or change from a 21st Century plan that does not cover stable pre-existing medical conditions to one that does or increase your aggregate policy limit when you purchase consecutive policies with no gap between the expiry date of the previous policy and the effective date of the subsequent policy.

Enhanced Plan – coverage for stable pre-existing medical conditions

This coverage is automatic if you are age 54 or under. If you are age 55 to 85, this coverage is available to you if you truthfully and accurately answered “ No ” to all questions on the Medical Declaration and paid the appropriate premium. If you are age 55 to 85 and answered “Yes” to any question on the Medical Declaration, you are eligible to purchase the Standard Plan ( that excludes pre-existing medical conditions ). Applicants age 86 and over are not eligible for Enhanced or Standard plans.

“ Stable Chronic Condition ” means a pre-existing medical condition for which, in the 180 days prior to your effective date of insurance:

• If you are under age 55, the Enhanced Plan is available to you if you satisfy the Eligibility requirements and pay the appropriate premium.
• If you are age 55 to 85, the Enhanced Plan is available to you if you satisfy the Eligibility requirements, truthfully and accurately answer “No” to all questions on the Medical Declaration and pay the appropriate premium.
• If you are age 55 to 85 and you answer “Yes” to any question on the Medical Declaration, you are not eligible for the Enhanced Plan, but the Standard Plan is available to you under this policy if you satisfy the Eligibility requirements and pay the appropriate premium.
• If you are under age 86, the Standard Plan is available to you, without the completion of the Medical Declaration, if you satisfy the Eligibility requirements and pay the appropriate premium.
• Applicants age 86 and over or applicants of any age who do not satisfy the Eligibility requirements are not eligible to purchase this policy.

“Unstable Chronic Condition”  means a pre-existing medical condition for which, in the  180 days  prior to your effective date of insurance, any of the following apply:

• there have been new symptoms or change in symptoms; and
• existing symptoms have become more frequent or severe; and
• a physician has found that the medical condition has become worse;
• test findings have shown that the medical condition may be getting worse; and
• a physician has provided, prescribed, or recommended any new medication, or any change in medication; and
• a physician has provided, prescribed, or recommended any new treatment, or any change in treatment; and
• a physician has provided, prescribed, or recommended any investigative testing, other than regular scheduled maintenance investigations or testing;
• there has been hospitalization or referral to a specialist or specialty clinic; and
• a physician has advised referral to a specialist or further testing, and there has been testing for which results have not yet been received.

Change in medication  means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed Exceptions: the routine adjustment of Coumadin, Warfarin or insulin, as long as they are not newly prescribed or stopped and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage. 21st Century will not cover any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain. 21st Century will not cover any lung condition if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition.  

90-Day Provision (Enhanced and Standard Plans only)

If you are advised by the Assistance Centre that your emergency has ended, and you are not required to return to your country of origin, you will have no further coverage under this policy for any insured services that are directly or indirectly related to ongoing treatment, recurrence or complication of that medical condition. However, if your claim is deemed to be payable under this policy then subject to the other terms, conditions and exclusions of this policy such medical condition will be covered again in the event of a subsequent emergency if, in the 90-days prior to that subsequent emergency:

• you have not had any recurrence, new symptom(s) or any complications;
• existing symptom(s) have not become more frequent or severe;
• a physician has not determined that your medical condition has become worse;
• no test findings have shown that your medical condition may be getting worse;
• a physician has not provided, prescribed, or recommended any new medication, or any change in medication;
• a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment;
• there has been no hospitalization or referral to a specialist or specialty clinic;
• a physician has not advised referral to a specialist or further testing; and
• there has been no testing for which results have not yet been received.

This insurance provides coverage for up to 30 days in total within a 365-day period while traveling outside Canada as long as you spend not less than 51% of your time in Canada.

You must be continuously insured under a 21st Century Visitors to Canada policy or consecutive policies with no gaps in coverage during your side trip. You are not covered under this insurance policy in your country of origin. 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. Proof of all travel dates will be required in the event of a claim.

If you hold a multi-entry visa (such as a PG-1 VISA or an IEC Work Permit) and return to your country of origin without cancelling your policy, your coverage will be suspended while you are in your country of origin and will resume when you return to Canada (or other country as permitted under the “Side-Trips” provision). There will be no refund of premium related to your suspension of coverage while in your country of origin and your expiry date will not change.

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. Waiting period will apply if you decrease your deductible amount or change from a 21st Century plan that does not cover stable pre-existing medical conditions to one that does or increase your aggregate policy limit (sum insured) when you purchase consecutive policies with no gap between the expiry date of the previous policy and the effective date of the subsequent policy.

Requests for premium refunds due to non-arrival can be submitted for consideration as long as this insurance has not been issued as part of the requirements necessary to obtain or maintain a visitor visa, in which case proof of visa refusal must be provided. You can cancel your insurance and obtain a partial refund of the unused premium amount when you provide proof that you are covered under a government health insurance plan; or with proof of return to your country of origin provided that there has been no claim paid or denied. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund amount plus a file handling fee of $300 per claim will also be deducted. A denied claim will be subject to a file handling fee of $500 per claim. The file handling fee and any other adjustments will be deducted from any amount to be refunded. Once any claim(s) has (have) been withdrawn to apply for a premium refund, no further expenses will be accepted for consideration under the policy, regardless of the date the expense was incurred.  Your  written request to cancel this policy must be received within 60 days following the date you become eligible coverage under a government health insurance plan or you return to your country of origin . In no event will 21 st  Century backdate a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request. If your cancellation request is received more than 30 days following the date you returned to your country of origin, 21 st  Century will require a copy of every page of your passport to verify that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request. If you leave Canada but spend time in a country covered under the Side-Trips Outside of Canada provision, you must advise 21 st  Century prior to exiting Canada if you do not want to be covered in that other country. Failure to notify 21 st  Century prior to your exit date may result in premium being retained to cover all or part of that side trip. All refunds are subject to approval by 21 st  Century. Refunds will be credited to the same credit card used to charge the premium. In addition, a $25 policy administration fee will be applied to any refund or cancellation.

NOTE: If you are a visitor to Canada with an IEC work permit, this policy will continue to provide eligible benefits that are not covered by your government health insurance plan.

REFUNDS for Monthly Payment Option plan:

– If your visa application is denied by the Government of Canada, or you formally withdraw your visa application and your coverage under this policy has not been activated, 21 st  Century will refund any premium paid. Proof of the denial or withdrawal of your application for a visa must be provided to 21 st  Century with your written request for a refund. – If the Government of Canada issues you an entry permit that is different than the one you applied for, you may request a refund of any premium paid or change from a monthly payment plan to payment in full as long as 21 st  Century receives your request prior to your entry into Canada. Proof of the change in entry permits will be required. Once you enter Canada, your deposit premium becomes non-refundable. – The $50 Policy Fee for any cancellation of, or change from the Monthly Payment Option is non-refundable. – The two month deposit premium and the $50 Policy Fee for the Monthly Payment Option are non-refundable in any circumstance where the entry permit is approved and issued by the Government of Canada and you have arrived in Canada without proper Activation of your policy. – The two month deposit premium and the $50 Policy Fee for the Monthly Payment Option are non-refundable on any activated policy or policy that is terminated mid-term by you or us. Only full monthly premiums will be refunded. Partial months will not be refunded. – After you have activated your coverage under this policy, subject to all other policy terms, your insurance will terminate on the date that:             – you return to your country of origin in the event of your death under Insured Service benefit “Expenses related to death”, or following emergency treatment of your medical condition under Insured Service benefit “Emergency Air Transportation”; or             – the Assistance Centre specified when advising you to return to your country of origin due to your medical condition, even if you choose to remain in Canada; or             – 21 st  Century receives proof that you are eligible and covered under a Canadian government health insurance plan; or             – you return to your country of origin and submit a written request to cancel your policy – You may terminate your policy due to your departure from Canada or from a Side-Trip Outside of Canada, and apply for a refund of unused premium:             – if there are more than 30 days between your termination date and expiry date, and             – as long as your written request to cancel this policy is received within 60 days following the date you return to your country of origin. In no event 21 st  Century will back-date a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request Your written notification must include:             – a copy of your return airline tickets and stamped passport or a copy of your boarding pass, and             – a statement saying that you have not incurred any paid claims and will not report or submit any claims against this policy after your termination date. – If your cancellation request is received more than 30 days following the date you returned to your country of origin, 21 st  Century will require a copy of every page of your passport to verify that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request. – All refunds are subject to approval by 21 st  Century. A $25 policy administration fee will be applied to any refund. Refunds will be credited to the same credit card used to charge the premium. – Once 21 st  Century has received your cancellation request, expenses with a date of service after the termination date will not be considered for reimbursement. – If your policy has more than one person identified as a Named Insured on the policy confirmation and one Named Insured requests an early cancellation while the other wants to remain in Canada, the remaining Named Insured must either purchase a new policy with the Monthly Payment Option or pay the full outstanding balance for individual coverage on their existing policy.

IN THE EVENT OF AN EMERGENCY, YOU MUST CALL THE ASSISTANCE CENTRE IMMEDIATELY:   1-877-882-2957  toll-free from the USA and Canada. If unable to use the toll-free number, call collect to Canada:  +1 519-251-7856 .  Call prior to receiving any medical treatment. If you do not call the Assistance Center before you obtain emergency treatment, you will have to pay 20% of the medical expenses 21 st  Century would normally pay under this insurance. If medically impossible for you to call, please have someone call on your behalf as soon as possible.

To make a claim , you will need to complete a claim form and attach the original medical bills, receipts and invoices (always make a copy for your record), your medical and/or hospital record (diagnosis, X-ray, lab tests confirming that the treatment was medically necessary), copy of police report (in case of a Motor Vehicle Accident) and mail it to: 21st Century Visitors Claims c/o Active Care Management P.O. Box 1237, Stn A Windsor, ON, N9A 6P8 For Online Claim Submission visit  manulife.acmtravel.ca – Claims must be reported within 30 days of occurrence. – Written proof of claim must be submitted within 90 days of occurrence. – To enquire about the status of your claim call 1-855-297-4379 from 8:00 AM to 8:00 PM ET.

EXCLUSIONS:

21 st  Century will not reimburse you for insured services or pay an Accidental Death and Dismemberment claim and/or any other expenses directly or indirectly related to: 1. (Basic Plan) – any pre-existing medical condition; 1. (Enhanced and Standard Plans)       i) any pre-existing condition if you are covered under the Standard Plan; or     ii) any unstable condition if you are covered under the Enhanced Plan, paid the required premium and if you are age 55 to 85 you have completed the Medical Declaration. 2. any sickness, disease or symptom 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 your physician to advise you not to travel; and/or    vi) 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 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) including 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 test or procedures are performed on an emergency basis immediately upon admission to a hospital. 6. your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness 7. any claim that results from or is related to your commission or attempted commission of a criminal offence or illegal act. 8. any medical condition that is the result of you not following treatment as prescribed to you, including prescribed medication. 9. • any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your Coverage Period.    • any medical condition arising during your Coverage Period, from or in any way related to, the abuse of alcohol, drugs or other intoxicants. 10. any loss resulting from your minor mental or emotional disorder. 11. any non-emergency, investigative, experimental or elective treatment such as cosmetic surgery, chronic care, rehabilitation including any expenses for directly or indirectly related complications. 12. general health examinations or services. 13. prescription drugs or medicines, treatment, appliances or devices provided to monitor or maintain any pre-existing condition. 14. an emergency resulting from: • mountain climbing requiring the use of specialized equipment, including carabiners, 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 including training activities; or • your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving is your principal paid occupation. 15.• any pregnancy that commences prior to the effective date; • your routine pre-natal or post-natal care; • your pregnancy, delivery, or complications of either, arising 9 weeks before the expected date of delivery or 9 weeks after. 16. medical treatment or services provided to your child born during your Coverage Period. 17. the provision of insured services to children under 30 days of age. 18. an act of war or an act of terrorism when you are outside of Canada and covered under this insurance. 19. 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. 20. 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. 21. any medical treatment or follow-up visit outside of Canada when the emergency occurred in Canada. 22. 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 under Section 8 – General Conditions.) 23. 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 the Assistance Centre determines that your medical emergency has ended. (See 90-Day Provision (Reinstatement of Coverage) for exception.) 24. 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 to Avoid non-essential travel or to Avoid all 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. 25. any medical treatment for which you are eligible and/or covered under a government health insurance plan. 26. covered expenses that exceed 80% of those 21 st  Century 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, someone must call on your behalf. 27. any expenses arising from any sickness, disease, symptom or injury that presented, recurred or for which treatment was received during any suspension of coverage during a Side-Trip Outside of Canada. Note: Each time you purchase another policy from 21 st  Century, 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 “Side-Trips Outside of Canada” provision).

– Applicants ages 55 to 85 who wish to purchase Enhanced Plan must complete  the Medical Declaration  to determine eligibility for coverage.    – Minimum policy premium is $25.00.    –  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. It can also mean three or more siblings under age 22.

    – Travel Companion Savings of 5% applies to each traveller purchasing this coverage and travelling together. Travel Companions Savings cannot be applied to Family Rates.    – When you purchase the $100,000 option, you are automatically insured for $150,000 for covered expenses as a result of an accidental bodily injury.

The Basic Plan is a reduced benefit plan with NO coverage for pre-existing medical conditions.

Basic Plan vs. Enhanced and Standard Plans:    • Pre-existing conditions look back period is Lifetime for the Basic Plan (vs. 180 days for Enhanced and Standard Plans)    • Accidental Death and Dismemberment is NOT included in the Basic Plan    • Dental Accident is not included in the Basic Plan    • Dental Emergencies are not included in the Basic Plan    • 90-Day Provision (reinstates benefits in certain circumstances after a claim) is NOT included in the Basic Plan    • Continuing Treatment (follow ups) is restricted to only one visit for the Basic Plan (vs. until the end of the emergency for the Enhanced and Standard Plans)    • No coverage for the following health care practitioners: chiropodist, osteopath, podiatrist for the Basic Plan holders    • Deductibles are PER CLAIM for the Basic Plan (vs. per policy period for Enhanced and Standard Plans except for the $2,500 Disappearing Deductible which is also per person per claim).    • Waiting Period is 15 days for Basic Plan policy holders age 86 and over if coverage is purchased after arrival in Canada or after the expiry date of another Visitors to Canada policy.

RATE TABLE GUIDE:

 * Family Rates are not available under the Standard Plan and ALL APPLICANTS must select the same Plan.

DEDUCTIBLES:   All deductibles on the Enhanced and Standard Plans except for the Disappearing Deductible are per person per policy. The Disappearing Deductible is per person, per sickness-related claim. All deductibles on the Basic Plan are per person, per claim. 

What is the Disappearing Deductible option?  The disappearing deductible option is available to any applicant who purchases an Aggregate Policy Limit (APL) of $25,000, $50,000, or $100,000 on the Standard or Enhanced Plans. A  $2,500 deductible  applies to each sickness related claim when eligible expenses are $2,500 or less. When eligible expenses for a sickness-related claim exceed $2,500, the deductible amount is waived (“disappears”) and eligible expenses will be reimbursed from the first dollar. For injury-related claims, the deductible is waived for applicants who purchase the Disappearing Deductible option.

21st Century ENHANCED Plan and STANDARD Plan Policy PDF

21st Century BASIC Plan Policy PDF

21st Century Visitors Claim Form PDF

21st Century Medical Declaration PDF

21st Century supports THiA Bill of Rights. For more information, go to  www.thiaonline.com/Travel_Insurance_Bill_of_Rights_and_Responsibilities.html

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21st Century

While in Canada, protect yourself against unexpected accidents or sickness by getting an emergency medical evacuation insurance policy that can cover you for up to $5,000 per emergency while you're here. For visitors, landed immigrant s , returning Canadians , and work/student visas. 21st Century Travel Insurance Limited specializes in Parent and Grandparent Super Visa insurance and has been the first company in Canada to offer a convenient monthly option. A two-year policy is also available.

Summary for 21 Century Visitors to Canada Insurance

Eligibility requirements.

You are not eligible for coverage under this policy if:

• a physician has advised you not to travel.
• you have been diagnosed with a terminal illness with less than two years to live.
• you have a kidney condition requiring dialysis.
• you have used home oxygen during the 12 months prior to the date of application.
• Hospital and medical expenses
• Physician and Private duty registered nurse
• Medical Appliances
• Professional Medical Services
• Diagnostic Treatment
• Ambulance Transportation.
• Prescription drugs
• Funeral Expenses
• Emergency Transportation
• Accidental Dental
• Dental Emergencies
• Accidental Death and Dismemberment  

Special Medical Underwriting Insurance

For Canadians who are not eligible for regular market insurance because of a new or changed pre-existing medical condition or medication, Special Medical Underwriting Insurance is available for them. Ask your broker to request a medical underwriting quote before booking your trip.

Benefits of the Medical Underwriting Insurance Plan include:

• Coverage of pre-existing medical conditions with no required stability period.
• $5 million Emergency Medical coverage.
• The medical interview and quotes are completed over the phone.
• The Plan can be purchased up to 60 days in advance of departure (we can quote at any time in advance). ​

Super Visa Medical Insurance

From medical costs to traveling without insurance, it is important for any travel that you are aware of the Canadian healthcare system. Purchasing medical coverage is not only the best way to protect yourself from unexpectedly high health costs, but it helps reduce the risk of falling ill or getting in an accident while traveling in Canada. The Canadian government urges all travelers to purchase travel insurance from a Canadian insurer like Canadian LIA.

The 21st Century Super Visa Medical Insurance plan is available for friends, family members, landed immigrants, Canadian expatriates arriving back in the country waiting for provincially provided health coverage, international students, and individuals coming to Canada with a work visa. Our company also has vast experience throughout the years of helping Canadians consider using this service by offering the best plan and affordable monthly premium payments, making sure the required needs are met. For more information about this service please do not hesitate to contact the team over at Canadian Life Insurance Company.

Just a step to best quotes

Our insurance services are only licensed in these provinces:

• Ontario (ON)
• Alberta (AB)
• British Columbia (BC)
• Saskatchewan (SK)
• Newfoundland (NL)

Please do not proceed with a purchase for any other location.

We Thank You for choosing All In One Travel & Services Ltd. for your travel needs.

21 st Century Travel Insurance Limited is a Managing General Agency that provides all types of TRAVEL INSURANCE PRODUCTS to individuals and groups across Canada.

To date, more than 700 agents sell our travel insurance products throughout Canada.

• VISITORS to CANADA - Hospital and Medical Insurance
• TRIP CANCELLATION
• OUT-of-PROVINCE - Emergency Travel Health Insurance
• ALL-INCLUSIVE - Package Tour Insurance
• BAGGAGE - Insurance
• AIR FLIGHT / TRAVEL - Accident Benefits
• MEDICARE INTERNATIONAL - Travel Insurance

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Who can apply?    Insurance is available for:

♦  Super Visa Applicants

♦  Parents and grandparents visiting Canada on Super Visa

♦  Participants of the International Experience Canada Program (IEC).

♦  Individuals in Canada on a Temporary Resident, Work or Student visa,

♦  Other visitor visa issued by the government of Canada

How Does the Monthly Payment Option Work?

21st Century Visitors to Canada Medical Insurance ( Plan Details )

Period of Coverage

Period of coverage may be one or two years .

With a two-year policy, you will lock in today's rates for two years; beat potential age band increases in year two; pay only one $50 Policy Fee when the policy is issued. Aggregate Policy Limit resets to full amount at start of year two if there have been claims in year one. All other benefit maximums also reset to full amount at start of year two including drugs, private nursing, health care practitioners, etc. 30-day Side Trip limit resets in year two.

You will pay only for the time in Canada: with proof of return to country of origin, payments cease and extra full monthly payments paid are refunded – even if there has been a claim!

Application for Insurance

Application for Visa or Super Visa

If you are applying for Visa or Super Visa, the first two-month deposit + $50 administration fee is payable at the time of application for this policy.

You will put a tentative effective / arrival date on the policy, which will be adjusted before your actual arrival date.

Your policy will be on a pending status until you get your visa. When your actual arrival date is confirmed, you will activate your policy, adjust the travel dates and pay the monthly installment to activate the policy.

Already have visa

If the entry visa has already been issued and the actual travel dates are known, OR you are already in Canada, you will also pay the monthly installment for the first month of your policy period when purchasing this insurance.

What You Will Get

After your first payment is accepted, you will get your confirmation of coverage for 1 (one ) or or 2 (two), at your choice.

If you are applying for Super Visa, this document should be submitted with your visa application.

Monthly Installments

If you are applying for Visa or Super visa, there are no other payments until your arrival date is confirmed. Your policy will be on a pending status and you do not need to adjust the travel dates in your policy until you book your tickets to Canada.

When you know the actual arrival date, you need to contact us before this date, and the company will adjust the travel dates in your policy and charge the first monthly installment.

Thereafter, the policy effective (arrival) date will establish the monthly installment due date. For example, if your policy effective date is June 10, next monthly payments will be on the 10th of July, 10th of August, etc. 

You will pay only for the time in Canada. With proof of return to country of origin, payments cease, and extra full monthly payments paid are refunded – even if there has been a claim. CLAIMS DO NOT IMPACT REFUNDS.

● If your Super Visa application is denied, your two-month deposit will be refunded, $50 fee is non-refundable. A copy of the denial letter is required.

● You can terminate your policy and obtain a refund of any fully unused monthly premium (subject to the two-month minimum premium), if you returned to your country of origin early, or you received proof that you are eligible and covered under a government provincial health care plan.

Premium will not be refunded for any partial months of coverage and a minimum premium of two months will be retained even if this policy is terminated within the first two months. The $25 processing fee applies.

● A refund for early cancellation is available even if you have made a claim under the policy .

Travelance Visitors to Canada Medical Insurance ( Plan Details )

Period of coverage may be from 3 months (90 days) to 18 months (558 days)

The first two-month deposit + $60 administration fee is payable at the time of application for this policy.

If you are applying for Super Visa, you will put a tentative effective / arrival date on the policy, which should be adjusted before the policy effective date if you are not travelling as scheduled.

Adjustment of travel dates : You need to contact us:

• prior your policy effective (start) date shown on your policy confirmation, if you need to postpone the travel dates, OR

• prior to the actual arrival date in Canada to adjust the travel dates in the policy,

whichever comes first.

ANY MODIFICATION TO THE EFFECTIVE / ARRIVAL DATES MUST BE DONE PRIOR TO THE POLICY EFFECTIVE (START) DATE.

After your first payment is accepted, you will get your Visitors to Canada policy confirmation for the period of coverage you have chosen.

Next monthly installment will be charged on your credit card automatically on the policy effective (start) date shown on your policy confirmation. 

Thereafter, the policy start date will establish the monthly installment due date. For example, if your policy start date is June 10, next monthly payments will be on the 10th day of the next months.

● If your Super Visa application is denied, your two-month deposit will be refunded, $60 fee is non-refundable. A copy of the denial letter is required.

● You can terminate your policy and obtain a partial refund for the number of days you paid for but did not use,  if you returned to your country of origin early, or you received proof that you are eligible and covered under a government provincial health care plan. The $50 processing fee applies.

● No refunds are available if you have reported or submitted a claim under this policy

HMC Visitors to Canada Medical Insurance ( Plan Details )

Minimum Period of coverage is 1 year .

The first two-month deposit + $50 administration fee is payable at the time of application for this policy.

After your first payment is accepted, you will get your Visitors to Canada policy confirmation. If you are applying for Super Visa, this document should be submitted with your visa application.

Regular monthly payments will start the month after the effective date of the policy shown on your policy confirmation. 

Adjustment of travel dates :   You need to contact us:

• prior to the actual arrival date in Canada to adjust the travel dates,

The policy effective  date will establish the monthly installment due date. For example, if your policy start date is June 10, next monthly payments will be on the 10th day of the next months.

● I f your Super Visa application is denied, your two-month deposit will be refunded, $50 fee is non-refundable. A copy of the denial letter is required.

● You can terminate your policy and obtain a partial refund if you returned to your country of origin early, or you received proof that you are eligible and covered under a government provincial health care plan. For all early terminations, only full unused 30-day monthly payments will be refunded. The $50 processing fee applies.

There is no refund of the two-month deposit premium under the monthly payment plan unless a copy of the super visa denial letter is provided before the policy starts. Two months premium is the minimum premium.

Note: The product-related information is for illustration purpose only. Please refer to the Policy wording before purchasing the policy for a full explanation of benefits, terms and conditions, limitations and exclusions.

For more information, free consultation and to purchase a policy please call at

Medicare International Travel Insurance

Protection for Canadians travelling outside of their province of residence.

21st Century's Medicare International Travel Insurance is for Canadian residents with provincial healthcare travelling outside of their province of residence or outside of Canada. Provincial health insurance covers only a small portion of the cost of a medical emergency while you are travelling. For example, a 5-day hospital stay in Florida can result in charges of $50,000 or more. Your provincial plan would likely reimburse less than $5,000, leaving you with a bill for more than $45,000!

You can choose between Emergency Medical, All-Inclusive or Stand-alone Trip Cancellation. Single trip and Multi-Trip plans are available.

Please note that the product offered through Travel Agents is slightly different than the one described below which is sold by insurance brokers and advisors. Contact your Travel Agent for details.  

Plans at a Glance

Select a tab to see different coverage options., single trip emergency medical plan.

Covers eligible expenses related to unforeseen, unexpected medical emergencies when travelling outside of your province of residence for one continuous trip.

Up to $10 million in emergency medical benefits.

Premium discounts available (deductibles, companions, families and travel within Canada).

Multi-Trip Emergency Medical Plan

Covers eligible expenses related to unforeseen, unexpected medical emergencies when travelling outside of your province of residence for an unlimited number of trips taken during the policy year.

Trip duration options of 4, 10, 18, 30 and 60 days.

Medical Underwriting Plan

Covers Canadians who are not eligible for regular market travel insurance or who have a new or changed pre-existing medical condition.

Up to $5 million in emergency medical benefits.

This plan can be purchased up to 60 days in advance of departure.

Stand-alone Trip Cancellation & Interruption

Reimbursement up to the covered amount of eligible expenses incurred before your departure (Trip Cancellation).

Reimbursement up to the actual cost of eligible expenses incurred on or after your departure (Trip Interruption or Delayed Return).

Reimbursement in the event of death while travelling.

Single Trip All-Inclusive Plan

Up to $10 million in Emergency Medical benefits.

Up to $3,500 for Trip Cancellation and Trip Interruption coverage.

Up to $1,500 for Baggage Loss or Damage, or up to $500 for Baggage Delay.

Up to $100,000 for Flight Accident and up to $50,000 for Travel Accident.

Multi-Trip All-Inclusive Plan*

Up to $3,500 per trip for Trip Cancellation and Trip Interruption coverage.

Up to $1,500 per trip for Baggage Loss or Damage, or up to $500 for Baggage Delay.

Trip duration options of 4, 10, 18 and 30 days.

*Maximum benefits per policy apply. See details below.

Emergency Medical Plans

Single trip emergency medical.

Ages: 0 to 111 years

Duration: up to 212 or 365 days

Coverage limit of up to $10 million for eligible emergency medical expenses.

A range of deductibles from $0 to $10,000.

24-hour worldwide emergency medical assistance.

No medical questionnaire required for those under the age of 60.

Companion and family rates available.

Top-up coverage is available.

Coverage includes cost for:

Hospital, medical and paramedical services

Ambulance transportation

Emergency dental treatment ​

Expenses to bring someone to your bedside

Extra expenses for meals, hotel and taxi

Expenses related to your death

Expenses to bring you home

Expenses to return excess baggage

Expenses to return children under your care

Childcare expenses

Expenses to return your travel companion

Expenses to return your vehicle

Hospital allowance & phone call expenses

Return to original trip destination

Policy Documents:

Multi-Trip Emergency Medical

Trip Lengths: 4, 10, 18, 30, or

Covers eligible expenses related to unforeseen, unexpected medical emergencies when travelling outside of your province of residence for any number of trips taken within 1 year.

Each trip outside of Canada can be up to the trip length option you select (4, 10, 18, 30 or 60 days).

An unlimited number of days of travel is covered within Canada during the year.

All-Inclusive Plans

Single trip all-inclusive.

Covers eligible expenses related to unforeseen, unexpected situations when travelling outside of your province of residence for one continuous trip.

Up to $3,500 for Trip Cancellation & Interruption.

Up to $1,000 for Baggage Loss or Damage, and up to $500 for Baggage Delay.

Up to $100,000 for Flight Accident (death or dismemberment).

Up to $50,000 for Travel Accident (death or dismemberment).

Companion and family rates (Emergency Medical portion only) available.

Emergency Medical coverage includes cost for:

Covered events for Trip Cancellation and Interruption include:

You, your travel companion, a member of your immediate family or a member of your travel companion's immediate family develop a sudden and unforeseen medical emergency or die.

You miss a connection or must interrupt your trip because of the delay of your connecting private passenger or common carrier, when the delay is caused by mechanical failure, a traffic accident, an emergency policy-directed road closure or weather conditions, earthquakes or volcanic eruptions.

Weather conditions, earthquakes or volcanic eruptions cause the scheduled common carrier to be delayed for at least 30% of your trip.

And more! See the policy wording for a full list of covered events.

Multi-Trip All-Inclusive

Trip Lengths: 4, 10, 18, or

Covers eligible expenses related to unforeseen, unexpected situations when travelling outside of your province of residence for any number of trips taken within 1 year.

Up to $3,500 per trip to a maximum of $6,000 per policy for Trip Cancellation & Interruption.

Up to $1,000 per trip to a maximum of $3,000 per policy for Baggage Loss or Damage, and up to $500 per trip to a maximum of $1,500 per policy for Baggage Delay.

Companion rates available.

Non-Medical Plans

Duration: up to 365 days

24-hour worldwide emergency assistance.

No medical questionnaire required, regardless of age.

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21st Century Travel Insurance Ltd.

1040 Division Street, Heritage Place Mall, Unit 18, Cobourg, ON, K9A 5Y5 Visit Website

Products and Services

Travel insurance for visitors coming to Canada or heading out of the country. Visitor to canada medical insurance.

Monthly Pay product for Super Visa Insurance

1040 Division Street, Heritage Place Mall, Unit 18

Cobourg, ON K9A 5Y5

905-372-1779

1-800-567-0021 (toll free)

[email protected]

www.www2.21stcenturytips.com/

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• Building Permit
• Santa Claus Parade Application
• Freedom of Information Request
• Marriage License
• Special Event Application

Pay & Learn

• Parking Permit
• Parking Ticket
• Report a Problem
• Report a Dead Animal
• Downed Sign or Tree
• Compliments or Complaints
• Municipal Service Problem
• Pothole Issue

• fr Passer en français / Switch to French language
• 905-372-1779 Primary
• 1-800-567-0021 Tollfree
• 1-866-285-5727 Fax
• www.21stcenturytips.com
• http://www.21stcenturytips.com
• https://www.21stcenturytips.com

21st Century Travel Insurance Ltd

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21 st Century Travel Insurance Limited is a Managing General Agency that provides all types of TRAVEL INSURANCE PRODUCTS to individuals and groups across Canada.To date, more than 700 agents sell our travel insurance products throughout Canada.

Products and Services

• Travel Insurance ,
• Hospital And Medical Insurance ,
• Insurance ,
• Tour Insurance ,
• Emergency Travel Health Insurance ,

Languages Spoken

Methods of Payment:

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• Health, Travel & Life Insurance |
• Health, Travel & Life Insurance in ON |
• Health, Travel & Life Insurance in Cobourg |
• Travel Insurance |
• Travel Insurance in ON |
• Travel Insurance in Cobourg |
• Health Insurance |
• Health Insurance in ON |
• Health Insurance in Cobourg |

Directories

• One Toronto Core West |
• One Toronto Core SE |
• One Toronto Core Centre |
• One Toronto Core NE |
• Travel Insurance in Cobourg
• Health Insurance in Cobourg
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