Visitor to Canada Insurance
Protection against unexpected emergency medical expenses while visiting Canada.
Protect yourself against the emergency medical costs of unexpected accident or sickness while in Canada. One day in hospital can cost as much as $5,000!
Visitor to Canada insurance provides coverage for:
Visitor visa holders
International students and workers
Visiting Canada?
Get Visitor to Canada insurance coverage for accidents and illnesses.
Newcomers to Canada
Returning Canadians without GHIP*
Plan Insured Services
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Physician services in or out of hospital
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Costs of hospitalization
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Diagnostic testing
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Outpatient prescription medications
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Healthcare practitioners
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Ambulance transportation
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Expenses resulting from death
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Repatriation and air ambulance
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and more!
*Government Health Insurance
Plans at a Glance
With over 45 years of experience, 21st Century offers several Visitor to Canada plans all of which meet the requirements of the PG-1 Super Visa. We were the first company in Canada to offer a convenient Monthly Payment Plan option with a two-year upgrade available.
Compare our Visitor to Canada plans side-by-side: Download plan comparison chart
Plan Options
Enhanced Plan
Ages: 0 to 85 years
Comprehensive emergency medical benefit plan
Includes coverage for stable pre-existing medical conditions
24-hour claims assistance
Up to $4,000 for Dental Accident and up to $500 for Relief of Dental Pain
Coverage limits from $15,000 to $200,000
A wide range of deductibles from $0 to $10,000
Deductibles apply per person per policy (except the Disappearing Deductible)
Companion and family rates are available
Monthly Payment Plan with 2-year upgrade is available
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Up to $1,500 for a 30-day supply of prescription medications (outpatient basis)
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Up to $10,000 for private duty nursing and medical devices
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Up to $1,000 for covered healthcare practitioners
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In the event of death, up to $3,000 for expenses to prepare the body, up to $3,000 for burial/cremation and (unlimited) repatriation of the body
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$50,000 Accidental Death and Dismemberment (AD&D)
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$50,000 Extra Injury coverage included with the $100,000 coverage option
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Continuing Treatment Provision with no specific limit on the number of follow-up visits
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Unique 90-Day Provision which reinstates benefits that might be cut off after an emergency ends
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Coverage for Side-Trips outside of Canada
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Coverage for uninterrupted flights to Canada from the country of origin and from Canada to the country of origin
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A medical questionnaire is required for those age 60 to 85
Policy Documents:
Standard Plan
Comprehensive emergency medical benefit plan
Ages: 0 to 85 years
Excludes coverage for pre-existing medical conditions
24-hour claims assistance
Up to $4,000 for Dental Accident and up to $500 for Relief of Dental Pain
Coverage limits from $15,000 to $200,000
A wide range of deductibles from $0 to $10,000
Deductibles apply per person per policy (except the Disappearing Deductible)
Companion and family rates are available
Monthly Payment Plan with 2-year upgrade is available
View More
View Less
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Up to $1,500 for a 30-day supply of prescription medications (outpatient basis)
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Up to $10,000 for private duty nursing and medical devices
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Up to $1,000 for covered healthcare practitioners
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In the event of death, up to $3,000 for expenses to prepare the body, up to $3,000 for burial/cremation and (unlimited) repatriation of the body
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$50,000 Accidental Death and Dismemberment (AD&D)
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$50,000 Extra Injury coverage included with the $100,000 coverage option
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Continuing Treatment Provision with no specific limit on the number of follow-up visits
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Unique 90-Day Provision which reinstates benefits that might be cut off after an emergency ends
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Coverage for Side-Trips outside of Canada
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Coverage for uninterrupted flights to Canada from the country of origin and from Canada to the country of origin
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No medical questionnaire is required
Policy Documents:
Basic Plan
Reduced-benefit emergency medical plan
Ages: No age limit
Excludes coverage for pre-existing medical conditions
Coverage limits from $15,000 to $200,000
24-hour claims assistance
Coverage limits from $15,000 to $200,000
A wide range of deductibles from $0 to $10,000
Deductibles apply per person per claim
Companion and family rates are available
View More
View Less
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Up to $500 for a 30-day supply of prescription medications (outpatient basis)
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Up to $5,000 for private duty nursing and medical devices
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Up to $1,000 for covered healthcare practitioners
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In the event of death, up to $7,500 for the combined cost of preparing the body for burial or cremation, transportation of the body and to prepare related legal documentation (the burial or cremation itself is not covered)
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Up to one follow-up visit per event of sickness or injury is covered
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Coverage for Side-Trips outside of Canada
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Coverage for uninterrupted flights to Canada from the country of origin and from Canada to the country of origin
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No medical questionnaire is required
Policy Documents:
Monthly Payment Plan (MPP)
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Available for all visitor types.
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Coverage Limits of $100,000, $150,000 or $200,000.
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Coverage period of 365 days or 730 days.
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Pay only a two-month deposit and $50 Policy Fee when applying for the visa outside of Canada. If the visa is denied the full deposit will be refunded to you (we keep the $50 Policy Fee).
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You don't need to worry about moving the travel dates while you wait for the visa application decision. The policy remains "Pending" in our system awaiting visa approval and a request to activate with a confirmed arrival date in Canada.
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At time of "Activation", we bill the first monthly payment to begin coverage. You will continue to make monthly payments on the same calendar day as the effective date.
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If you are already in Canada or the arrival date is confirmed when the policy is issued, the policy is issued in an "Active" status. You pay the two-month deposit, the $50 Policy Fee, and the first monthly payment right away.
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If you return home before the end of the policy, early return refunds will still be processed even if there was a claim.
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Fully eligible for the Parent and Grandparent Super Visa insurance requirement.
Two-Year Upgrade on
the MPP
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Available for all visitor types.
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Coverage limit resets to full amount at start of year two.
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All other benefit maximums reset to full amount at start of year two.
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30-day Side Trip limit resets in year two.
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Pre-existing condition stability period does NOT reset at start of year two (very important if there is a change in health in year one).
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Today's rates are locked in for two years.
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Beat potential age band increases in year two.
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Pay only one $50 Policy Fee when the policy is purchased.
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Pay only for the time in Canada - refunds are available even if there was a claim.
Super Visa Insurance
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The Parent and Grandparent Super Visa (PG-1) is a special Temporary Resident Visa option for parents and grandparents of Canadian citizens and permanent residents to visit their family in Canada. These PG-1 Visa holders may be eligible to visit for 2 or more years without the need to renew their visa status and the visas can be renewable up to a total period of 10 years.
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To obtain a Parent or Grandparent Super Visa for Canada, visa applicants must have valid emergency medical travel insurance from a Canadian insurance company. Super Visa applicants need to provide proof that they have emergency medical travel insurance valid for a minimum of 1 year that:
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Covers emergency medical care, hospitalization and repatriation.
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Covers minimum of $100,000 (CAD) emergency medical coverage.
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Is valid for each entry to Canada and available for review by a port of entry officer.
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Frequently Asked Questions
Why should I buy a Visitor to Canada policy?
Visitor to Canada insurance is deigned to protect you and your family against the emergency medical costs of unexpected accident or illness while in Canada. One day in hospital can cost as much as $5,000. A 21st Century Visitor to Canada policy will provide critical emergency assistance and reimburse you for eligible expenses related to medical emergencies while in Canada.
What insurance do I need for the Super Visa?
The government of Canada requires that those applying for a Super Visa have a valid emergency medical travel insurance policy for a minimum period of 1-year and a minimum coverage limit of $100,000. Whether you pay up front or choose our convenient monthly payment plan, all 21st Century Visitor to Canada policies are fully compliant with the Super Visa requirements. Anyone visiting or re-visiting Canada on a Super Visa is required to purchase insurance that meets these requirements for each entry into Canada.
Is there an age limit to purchase a policy?
Our Enhanced and Standard plans are available up to and including age 85. There is no age limit on the Basic plan.
What is considered a pre-existing medical condition and what classifies it as stable?
A pre-existing medical condition is defined as “any sickness, illness, disease, symptom, or injury that existed or for which medication has been taken, received, or prescribed (including prescribed as needed), or for which treatment has been prescribed or received.”
For a pre-existing medical condition to be covered under the Enhanced plan, the condition itself and any treatment must be stable and unchanged in the 180 days prior to the policy’s effective date. Pre-existing medical conditions are NOT covered under the Standard or Basic plans regardless of whether they are stable or unstable.
Does Visitor to Canada insurance cover regular and routine check-ups?
No. Visitor to Canada insurance is emergency medical insurance only. It covers a lot, but it does not cover things like routine health maintenance or prescription refills/renewals. Our Enhanced plan covers stable pre-existing conditions, but Standard and Basic do not.
Can I purchase a policy if I’m already in Canada?
Yes, but a waiting period will apply unless you are already insured with us and there will be no gap or change in coverage. Please review the policy wording and speak with your licensed agent for details.
Can I extend my coverage?
You cannot extend coverage on an existing policy that has already gone into effect. You can purchase a new policy for any additional days. This policy will have new eligibility requirements and the pre-existing condition exclusion will reset to the effective date of the new policy.
If I leave early, can I get a refund?
Refunds are available in many circumstances. Check out this chart for a more detailed explanation of the requirements to process a refund.
What if I change my mind after purchasing a policy?
You may cancel the insurance any time prior to the effective date shown on the policy confirmation if the insurance has not been used as part of a visa application.
Is your Visitor to Canada insurance affordable?
21st Century is proud to offer a policy that balances affordability with benefits. Consider adding a deductible to help lower the premium. Deductibles apply per person per policy on the Enhanced and Standard plans (per claim on Basic). A companion discount is available and we also offer family rates.