21st Century's Medicare International
Insurance for Travelling Canadians
21st Century's Medicare International Travel Insurance is for Canadian residents with provincial healthcare travelling outside of their province of residence. Provincial health insurance covers only a small portion of the costs of a medical emergency while you are travelling. Protect your clients against financial losses if they must cancel or interrupt their trip or replace lost, damaged or delayed baggage.
Travel Insurance for Canadians provides coverage for:
Unexpected medical emergenices
Trip Cancellations and Interruptions
Baggage Loss, Damage & Delay
Flight & Travel Accident
Travel Within Canada?
Your client can get up to 50% off when travelling within Canada.*
Applying for a Schengen Visa?
Travelling More Than 183 Days?
*Only available with Single Trip Emergency Medical and All-Inclusive plans.
Plans at a Glance
Single Trip policies provide coverage for one continuous trip outside of your province of residence and can include multiple destinations during that trip.
Compare all of our plans side-by-side: Download plan comparison chart
Single Trip Emergency Medical
This plan helps protect your client from unforeseen, unexpected medical emergencies when travelling outside of their province of residence for one continuous trip.
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Up to $10 million in Emergency Medical coverage
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24-hour worldwide assistance
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No medical questionnaire under age 60
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Valid for trips up to 365 days
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Companion and family rates are available
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Save up to 50% while travelling within Canada
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A wide range of deductibles from $0 to $10,000 for even more savings
Single Trip All-Inclusive
This comprehensive package plan protects your client from both the costs of medical emergencies and unexpected costs when travelling.
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Up to $10 million in Emergency Medical coverage
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Up to the insured trip cost for Trip Cancellation
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Unlimited Trip Interruption coverage
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Up to $2,700 for Misconnection
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Up to $3,500 for Delayed Return
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Up to $1,500 for Baggage Loss & Damage
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Up to $500 for Baggage Delay
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Up to $100,000 for Flight Accident
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Up to $50,000 for Travel Accident
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No medical questionnaire
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Valid for trips up to 30 days
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Companion and family rates are available
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Save up to 50% while travelling within Canada
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Add optional CFAR - Cancel For Any Reason - rider
Trip Cancellation & Interruption
This plan helps cover the non-refundable trip costs if your client must cancel, interrupt or stay longer on their trip.
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Up to the insured trip cost for Trip Cancellation
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Up to $800, $1,500 or unlimited coverage for Trip Interruption (you pick)
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Up to $1,700 for Misconnection
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Up to $1,500 for Delayed Return
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No medical questionnaire
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Valid for trips up to 365 days
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Companion rates are available
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Add optional CFAR - Cancel For Any Reason - rider
Non-Medical Inclusive
This plan is designed for those who already have Emergency Medical coverage but want to protect unexpected travel costs.
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Up to insured trip cost for Trip Cancellation
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Unlimited Trip Interruption coverage
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Up to $2,700 for Misconnection
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Up to $3,500 for Delayed Return
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Up to $1,500 for Baggage Loss & Damage
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Up to $500 for Baggage Delay
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Up to $100,000 for Flight Accident
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Up to $50,000 for Travel Accident
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No medical questionnaire
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Valid for trips up to 365 days
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Companion and family rates are available
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Add optional CFAR - Cancel For Any Reason - rider
Single Trip Plan Details
Emergency Medical
Ages: 0 to 111 years
For trips up to 365 days
Covers eligible expenses up to $10 million for unforeseen, unexpected medical emergencies while travelling outside of your province of residence for one continuous trip.
Includes coverage for stable pre-existing medical conditions.
24-hour worldwide assistance.
No medical questionnaire under age 60.
Companion and family rates are available.
Save up to 50% while travelling in Canada.
A wide range of deductibles from $0 to $10,000.
Covered Expenses include:
View More
View Less
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Medical, hospital and paramedical services
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Ambulance transportation
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Expenses related to your death
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Expenses to bring you home
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Expenses to bring someone to your bedside
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Emergency dental treatment
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Expenses to bring home children under your care
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Expenses for childcare
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Expenses to bring home your travel companion
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Expenses to return your vehicle
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Hospital allowance
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Baggage return
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Expenses to replace prescription drugs, hearing aids and eyeglasses
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Extra expenses for incidentals
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Expenses to return your pet
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Expenses for pet care
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Quarantine expenses
Policy Documents:
All-Inclusive
Covers eligible expenses up to $10 million for unforeseen, unexpected medical emergencies while travelling outside of your province of residence for one continuous trip.
Ages: 0 to 111 years
For trips up to 30 days
Up to the insured trip cost for Trip Cancellation.
Unlimited Trip Interruption coverage.
Up to $2,700 for Misconnection.
Up to $3,500 for Delayed Return.
Up to $1,500 for Baggage Loss & Damage.
Up to $500 for Baggage Delay.
Up to $100,00 for Flight Accident.
Up to $50,000 for Travel Accident.
Includes coverage for stable pre-existing medical conditions.
24-hour worldwide assistance.
No medical questionnaire, regardless of age.
Companion and family rates are available.
Save up to 50% while travelling in Canada.
Add the optional CFAR - Cancel for Any Reason - Rider for additional flexibility.
Covered Expenses for Emergency Medical include:
View More
View Less
-
Medical, hospital and paramedical services
-
Ambulance transportation
-
Expenses related to your death
-
Expenses to bring you home
-
Expenses to bring someone to your bedside
-
Emergency dental treatment
-
Expenses to bring home children under your care
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Expenses for childcare
-
Expenses to bring home your travel companion
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Expenses to return your vehicle
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Hospital allowance
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Baggage return
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Expenses to replace prescription drugs, hearing aids and eyeglasses
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Extra expenses for incidentals
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Expenses to return your pet
-
Expenses for pet care
-
Quarantine expenses
Covered Events for Trip Cancellation, Interruption & Misconnection include:
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Medical events
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Pregnancy and adoption events
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Work and education obligations
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Government and legal events
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Accommodations and transportation events
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Misconnection and travel disruption events
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Delayed return events
Policy Documents:
Trip Cancellation &
Interruption
Up to the insured trip cost for Trip Cancellation.
Up to $800, $1,500 or unlimited Trip Interruption coverage.
Ages: 0 to 111 years
For trips up to 365 days
Up to $1,700 for Misconnection.
Up to $1,500 for Delayed Return.
Includes coverage for stable pre-existing medical conditions.
24-hour worldwide assistance.
No medical questionnaire.
Companion rates are available.
Add the optional CFAR - Cancel for Any Reason - Rider for additional flexibility.
Covered Events for Trip Cancellation, Interruption & Misconnection include:
View More
View Less
Non-Medical Inclusive
Up to the insured trip cost for Trip Cancellation.
Ages: 0 to 111 years
For trips up to 365 days
Unlimited Trip Interruption coverage.
Up to $2,700 for Misconnection.
Up to $3,500 for Delayed Return.
Up to $1,500 for Baggage Loss & Damage.
Up to $500 for Baggage Delay.
Up to $100,00 for Flight Accident.
Up to $50,000 for Travel Accident.
Includes coverage for stable pre-existing medical conditions.
24-hour worldwide assistance.
No medical questionnaire.
Companion and family rates are available.
Add the optional CFAR - Cancel for Any Reason - Rider for additional flexibility.
Covered Events for Trip Cancellation, Interruption & Misconnection include:
View More
View Less
Multi-Trip Plan Details
Emergency Medical
Ages: 0 to 111 years
For trips up to 60 days
Covers eligible expenses up to $10 million for unforeseen, unexpected medical emergencies while travelling outside of your province of residence for unlimited trips during the policy year.
Each trip outside of Canada can be up to the "day option" you select (4, 10, 18, 30 or 60 days).
Includes unlimited number of days of travel within Canada outside of your province of residence.
Includes coverage for stable pre-existing medical conditions.
24-hour worldwide assistance.
No medical questionnaire under age 60.
Companion and family rates are available.
A wide range of deductibles from $0 to $10,000.
Covered Expenses include:
View More
View Less
-
Medical, hospital and paramedical services
-
Ambulance transportation
-
Expenses related to your death
-
Expenses to bring you home
-
Expenses to bring someone to your bedside
-
Emergency dental treatment
-
Expenses to bring home children under your care
-
Expenses for childcare
-
Expenses to bring home your travel companion
-
Expenses to return your vehicle
-
Hospital allowance
-
Baggage return
-
Expenses to replace prescription drugs, hearing aids and eyeglasses
-
Extra expenses for incidentals
-
Expenses to return your pet
-
Expenses for pet care
-
Quarantine expenses
Policy Documents:
All-Inclusive
Ages: 0 to 84 years
Covers eligible expenses up to $10 million for unforeseen, unexpected medical emergencies while travelling outside of your province of residence for unlimited trips during the policy year.
Each trip outside of Canada can be up to the "day option" you select (4, 10, 18 or 30 days).
For trips up to 30 days
Up to $1,500 or $2,500 per trip for Trip Cancellation to a maximum of $10,000 per year.
Includes unlimited number of days of travel within Canada outside of your province of residence.
Unlimited Trip Interruption coverage.
Up to $2,700 for Misconnection (no yearly maximum).
Up to $3,500 for Delayed Return (no yearly maximum).
Up to $1,500 for Baggage Loss & Damage (no yearly maximum).
Up to $500 for Baggage Delay (no yearly maximum).
Up to $100,00 for Flight Accident.
Up to $50,000 for Travel Accident.
Includes coverage for stable pre-existing medical conditions.
24-hour worldwide assistance.
No medical questionnaire under age 60.
Companion rates are available.
Covered Expenses for Emergency Medical include:
View More
View Less
-
Medical, hospital and paramedical services
-
Ambulance transportation
-
Expenses related to your death
-
Expenses to bring you home
-
Expenses to bring someone to your bedside
-
Emergency dental treatment
-
Expenses to bring home children under your care
-
Expenses for childcare
-
Expenses to bring home your travel companion
-
Expenses to return your vehicle
-
Hospital allowance
-
Baggage return
-
Expenses to replace prescription drugs, hearing aids and eyeglasses
-
Extra expenses for incidentals
-
Expenses to return your pet
-
Expenses for pet care
-
Quarantine expenses
Covered Events for Trip Cancellation, Interruption & Misconnection include:
-
Medical events
-
Pregnancy and adoption events
-
Work and education obligations
-
Government and legal events
-
Accommodations and transportation events
-
Misconnection and travel disruption events
-
Delayed return events
Policy Documents:
Is Your Client Travelling Within Canada?
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When travelling outside of your province of residence but in Canada, there are limits on how much your government health insurance plan will pay for emergency medical expenses. Costs that may not be covered include air/ground ambulance, repatriation, emergency dental treatment and prescription drug expenses. Emergency Medical travel insurance can help cover these costs while providing a discount up to 50%.
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Government health insurance plans do not cover expenses related to the non-refundable trip costs if your client needs to cancel or interrupt their trip. 21st Century's Single Trip All-Inclusive plan provides Emergency Medical coverage, Trip Cancellation & Interruption, Flight & Travel Accident and Baggage all at up to a 50% discount.
Is Your Client Applying for a Schengen Visa?
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A Schengen Visa is a short-stay visa that allows your client to travel between any of the participating countries where common entry requirements have eliminated the need for most internal border controls, allowing free and unrestricted movement of people.
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21st Century's travel insurance policy provides emergency medical coverage worldwide, subject to all policy terms and conditions, including countries where a Schengen Visa is required.
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When applying for a Schengen Visa, your client is required to show that they have travel medical insurance that meets the requirements as listed by the European Commission. Purchasing travel insurance does not guarantee that they will be granted a Schengen Visa.
Is Your Client Travelling More Than 183 Days?
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Canadian provinces and territories have residency requirements for their residents to maintain their government health insurance plan.
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Residents must be physically present in their province for at least 183 days (212 days for Ontario and Newfoundland) in a 12-month period to maintain their government health insurance.
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For Canadians who will be away for longer trips, they must arrange an extension on their government health insurance before they depart on their trip.
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Policies that include Emergency Medical coverage require that your client has and maintains their government health insurance for the full duration of their trip.
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