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Why 21st Century's Monthly Plan Beats the Competition
Deductibles on the Visitor to Canada Policy
Visitor to Canada Plans
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Using TIPS
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Visitors to Canada
Frequently Asked Questions
Using TIPS
Click "Policy Search" (for policies already in force) or "Quote Search" (for a list of quotations you have held) on the main toolbar. Once in Policy Search or Quote Search, enter your filter criteria (one or more of the options available) in the appropriate box (Note that in the Policy Suffix field you can search using "V" for Visitors, "M" for Medicare Int., "S" for SaveAway, and "U" for Medical Underwriting. If using the Policy No or Quote No field, only enter the 8 numbers. No numbers). The more filter criteria you use, the more specific your search results will be. After you've entered your filter criteria, click the small magnifying glass beside the word "Find" in the top left corner of the screen (or simply press enter on your keyboard). This starts the search based on your criteria. You will then see a display of all policies or quotes meeting your criteria. Now click on the small pencil icon beside the policy or quote you are looking for to open and view that policy or quote.
You can now send your clients quotes by email directly in TIPS. This new functionality is available for all 21st Century travel products. Here is how you get started:
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Begin by opening a quote for any 21st Century travel product. Fill in all required fields (in yellow) on the first page of the quote. Make sure you enter the client’s email address in the address section of the quote. Continue to the second page of the quote. Confirm eligibility with your client and click “OK”.
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Select the desired coverage and continue to the last page of the quote. You will find the “Send Quote to Client” button at the top, right-hand side of the screen. Click the button
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A pop-up will appear. Make sure the client’s email address is correct. Click the “Send” button. The quote will be emailed to your client.
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Your client will receive an email from “noreply@21stcenturytips.com”. The quotation details will appear in the body of the email. The policy wording(s) are included as a PDF attachment. Your (the agent logged into TIPS when the quote was sent) contact information will be displayed below the quote for your client to contact you directly to complete the policy.
Refunds
Full refund requests can be submitted to info@21stcenturytravelins.com. Please review the refund request form for required documentation or check out this chart. Refunds must be submitted within 30 days.
This depends on the type of refund and current refund volumes when you submit a request. For simple flat cancellations and monthly payment plan refunds, you can expect the refund to take about a week. Refunds that require a claim check can take 2 to 3 weeks to process.
Accounts & Commissions
Commissions are paid within the first 10 days following the end of a month. For example, anything sold in January will be paid within the first 10 days of February.
If you are an independent agent, your commission will be paid directly into your banking account.
If you are registered as part of a MGA, we will pay your MGA directly who will in turn pay you.
If you are an independent agent, send our office an email with a void cheque or direct deposit form. Be sure to include your account code and a simple request asking to update your banking information.
If you are part of a MGA, contact your MGA to update your banking information.
You can make payment using one of the following options:
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Send an Interact e-Transfer to wendy@21stcenturytravelins.com.
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Pay using Online Bank Billing with 21st Century Travel Insurance as the payee and your account code as the account number.
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Write a cheque payable to 21st Century Travel Insurance.
Visitor to Canada
Please read this section carefully in the policy (See "Side-Trips Outside of Canada" on Page 2, 3, or 4 depending on the policy Version and Plan) for all the rules that apply. In particular, note that within any 365 day period, whether insured under one policy or many consecutive policies with us, the maximum overall time permitted outside of Canada is 49% of the total time insured with 21st Century Travel Insurance to a maximum of 30 days. The days available for travel outside of Canada may be used at the start, the middle, or the end of the visit or in any combination. No coverage is available when the Insured returns to their country of origin. Your client can enjoy another 30 days in year two of a Two-Year Monthly Pay policy.
It is not uncommon for visitors and new immigrants to be required to prove that they have health insurance coverage in place before they can be granted a visa. In these circumstances, there is often no option but to issue a policy based on the best approximation of their travel dates. If you issue a single payment policy (where the full premium is paid up front - not a Pending Monthly Payment Policy) and the effective date on the policy is just a "best guess" date that is now approaching but the actual arrival date is still not known, contact us to arrange for the coverage dates to be changed. There are limits to how long a policy can be advanced into the future and the number of times an advance can be permitted. On a Pending Monthly Pay policy (where coverage has not been activated), no action is required until the final arrival date has been decided.
Monthly Payment Plan
This means only a two-month deposit and $50 policy fee was charged to issue the policy pending. The effective and arrival dates are tentative and no coverage will go into force until the policy is activated.
You only need to activate a policy once the Super Visa application is approved and there is a confirmed arrival date to Canada. Send our office an email with the policy number, the confirmed arrival date in Canada and a request to activate the policy. You can include any changes to coverage at this time.
Out-of-Province Travel
No. Head office must issue this extension for you. Complete the Extension Request Form and email it to our office for review.
Yes, but only if the traveller has not left their province. Head office can offer top-up to those who have already left on their Multi-Trip plan but have yet to exceed their day option. We cannot top-up to another provider’s plan if the traveller has already left.
COVID-19
Any Visitor to Canada policy, regardless of when issued, will cover COVID-19 for expenses incurred within Canada, subject to the regular terms and conditions of the policy. Exclusion #20 in the policy will apply to any medical expenses relating to COVID-19 that occur while on a Side Trip in any destination outside of Canada that is subject to a government of Canada “Avoid All Travel” or “Avoid Non-Essential Travel” when you travel to that destination. In short, if there is a Level 3 or 4 advisory relating to COVID-19 in effect for your Side Trip destination, you are not covered for COVID-19 on an insured Side Trip.
Check the travel advisories at travel.gc.ca for your client's destination(s) prior to their departure. If there is no Level 3 or 4 advisory in effect, they are covered for COVID-19 just like any other medical emergency. The COVID-19 Emergency Medical Rider will be needed if the destination has a level 3 or 4 advisory relating to COVID-19 risk.
Until further notice, Manulife considers COVID-19 a known event; therefore, most claims relating to COVID-19 are not covered. EXCEPTIONS: The following three events are not considered known events if they occur after the purchase of Trip Cancellation insurance:
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Your sickness (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned.
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A positive COVID-19 test result (accompanied by a medical certificate) within 72 hours before your departure from home which prevents you from travelling as planned.
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Your job loss as a result of the pandemic impact at your place of employment.
Trip Interruption Insurance is impacted by the downgrade from Level 3 to Level 2 on Feb 28, 2022. The following two events will now be considered for Trip Interruption coverage:
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Your sickness (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned.
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A positive COVID-19 test result (accompanied by a medical certificate) during your trip which prevents you from travelling as planned.
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NOTE: For Trip Interruption claims, if you, your destination, or any part of your itinerary are the subject of a Level 3 or 4, COVID-related travel advisory on the date you leave Canada, the COVID-19 benefits described above would NOT apply.