Single Trip COVID-19 Emergency Medical Insurance Rider.

Phase 4: Coverage of $1,000,000 without the vaccine* increases to the full policy limit if you have received a full course of immunization for CVOID-19 Same price!

May 28, 2021

On October 26th, 2020, 21st Century Travel Insurance successfully introduced its new COVID-19 Rider. It allowed you to add $200,000 of coverage for Emergency Medical expenses that relate to COVID-19 when purchasing certain Emergency Medical plans (not available with SaveAway or Visitor to Canada).

On November 9th, 2020, we introduced phase 2 - the option to add the COVID-19 Rider to any 21st Century Multi-Trip or Package policy:

  • Rider valid for one trip only so it must be purchased separately for each trip (not a Multi-Trip Rider and it covers only Emergency Medical - not Trip Cancellation or Interruption.

  • Rider premium calculated for each trip based on 35% of the equivalent Single Trip Emergency Medical premium. For example, if you are travelling for 8 days on a Multi-Trip Plan, we will calculate the equivalent Single Trip Emergency Medical premium for 8 days and the Rider premium will be 35% of that amount.

On November 26th, 2020, phase 3 increased the COVID-19 coverage limit to $1,000,000 for the same low premium.

Now 21st Century Travel Insurance is very pleased to announce the next phase in our efforts to expand and improve your COVID-19 solutions!


What's new? Once you have been fully vaccinated*, coverage under the Rider increases so that you are covered for the full Emergency Medical Coverage Limit on the regular Emergency Medical Travel Insurance plan you have purchased. Remember - without the Rider there is no coverage for COVID-19 at all while the Level 3 travel advisory remains in effect. Also, if travelling on a cruise, we previously provided no coverage with the Rider. But now, once the travel advisory changes to Level 3 and you are fully vaccinated* and purchase the Rider, you get the full Emergency Medical Coverage Limit while on a cruise.

With the purchase of the Rider, here is a summary of COVID-19 coverage with and without the vaccine*:

Coverage Limit without vaccine*

Coverage Limit with vaccine*

What's covered?

Who is Eligible?

What else?


CDN $1,000,000 (no COVID-19 coverage for cruises)

Coverage increases to the full policy limit - even for cruises!

Emergency Medical expenses incurred outside of Canada that are related specifically to COVID-19. There is no Trip Cancellation or Trip Interruption coverage on this Rider.

Any Canadian travelling outside of Canada who purchases or already has a 21st Century policy for their trip that includes Emergency Medical coverage (not available with SaveAway or Visitor to Canada). 


Must be purchased prior to departure. The COVID-19 Rider provides no COVID-19 coverage while you are on a cruise or in any destination included in your cruise itinerary unless you are fully vaccinated*. It also will not cover claims due to COVID-19 if there is a Level 4 travel advisory (Avoid All Travel) issued for your destination prior to your effective. Please see the Rider terms and conditions for details.

35% of the equivalent Single Trip Emergency Medical premium based on the trip duration and age and rate category of the applicant.

We are now assuming that we will be dealing with severely restricted international travel until we reach some level of global herd immunity. At 21st Century we know you need to have confidence in your travel insurance as you resume some cautious amount of travel in this COVID-19 era. Our COVID-19 Rider will help bridge the gap with the lowest possible premium for this critical coverage and FULL BENEFITS ONCE YOU ARE FULLY VACCINATED*!!!

We still strongly encourage Canadians to adhere to the recommendations of the Government of Canada and medical professionals around the world in these challenging times. For those who do decide to travel, 21st Century is very pleased to support the health and safety of Canadians by offering this specialized travel insurance for COVID-19.


We also encourage you to contact us if you are ineligible for our regular Emergency Medical Insurance but would like coverage for your pre-existing conditions and coverage for COVID-19. 21st Century has access to an Individual Medical Underwriting product that will provide $5,000,000 of coverage for all non-COVID related medical conditions and $1,00,000 of coverage for emergency medical claims that relate to COVID-19. Coverage on this plan has now also been upgraded for those who have been fully vaccinated*. We would be happy to provide a quotation on this product. Premiums are based on individual health history.

*Vaccine (or vaccinated) means a full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken in accordance with the manufacturer's recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer's recommendation, or as dictated by the applicable health authority before your departure date.

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