21st Century's
Visitors to Canada Insurance
Protection against unexpected emergency medical expenses
while visiting Canada
Protect your clients 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 including Super Visa
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 Plan
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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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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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
Monthly Payment Plan with 2-year upgrade is 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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Your client only pays 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 (we keep the $50 Policy Fee).
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You don't need to worry about moving the travel dates while your client waits 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.
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At time of "Activation", we bill the first monthly payment to begin coverage. Your client will continue to make monthly payments on the same calendar day as the effective date.
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If your client is already in Canada or the arrival date is confirmed when the policy is issued, the policy is issued in an "Active" status. Your client pays the two-month deposit, the $50 Policy Fee, and the first monthly payment right away.
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If your client returns 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.
Pending vs. Activated
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A Pending policy means that only a 2-month deposit and $50 policy fee was charged to generate a policy confirmation that can be used as part of a travel visa application.
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On a Pending policy, the effective and arrival dates are tentative and no coverage will go into force until the policy is Activated.
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You will want to issue a policy Pending if the client needs insurance to be submitted as part of a travel visa application.
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If you have a Pending policy that needs to be Activated, you need to send our office a written request to Activate the policy before the Insured arrives in Canada.
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An Activated policy means that we charged a 2-month deposit (covers the last 2 months of the policy term), the first monthly "Activation" payment and $50 policy fee.
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On an Activated policy, the effective and arrival dates are confirmed and coverage will go into force on the effective date.
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You will want to issue a policy Activated if the Insured has a confirmed arrival date or is already in Canada.
Why our MPP Beats the Competition
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Pending Status Available: Only pay a 2-month deposit and $50 policy fee to generate a policy confirmation to apply for a travel visa.
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Only one $50 Policy Fee: Pay only one $50 policy fee regardless how many applicants are on the policy. We do not charge interest or apply a premium surcharge* for the monthly option.
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Flexible Refund Rules: Refunds are available if the travel visa is denied (we only keep the $50 policy fee). Early cancellation refunds are available even if there was a claim. We will refund any unused premium* less a $25 processing fee.
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No Payout Requirement: If there is a claim, there is no requirement to pay-out the remaining premium balance.
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Only Staying for 6 Months: The Monthly Payment Plan is still a great option - just submit a refund request for early departure. Payments will stop and the unused premium** will be refunded even if there was a claim.
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Two-Year Upgrade: Upgrade the policy term to 730 days for only a small premium surcharge. See the section above for some of the reasons to upgrade.
*A small surcharge applies if you choose to upgrade to a 2-year policy term but we do not charge another policy fee.
**A two-month minimum premium applies.
Want to learn more?
Check out our other training materials.
