21st Century Visitors Insurance

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Administrated by: 21st Century Travel Insurance Limited
Underwritten by: The Manufactures Life Insurance Company (Manulife Financial)
24 hours Assistance Center: Active Care Management

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS: 
  - Maximum Benefits: $10,000; $15,000; $25,000; $50,000, $100,000 and $150,000 (Monthly Payment Plan is available for the $100,000 and $150,000 coverage limit with one or two-year policy).
  - Emergency hospital: semi-private room or intensive care unit when medically necessary.
  - Ambulance Transportation: the use of a licensed local ambulance service.
  - Emergency Air Transportation: the cost for one-way economy airfare, stretcher or air ambulance to transport you to your country of origin, and a medical attendant if required. *
  - Diagnostics: tests that are needed to diagnose or find out more about your condition. **
  - Physician services.
  - Private duty registered nursing or licensed home care providers. *
  - Medical Appliances - rental of crutches, hospital bed, splints, trusses, braces or other prosthetic devices, up to $5,000.  
  - Follow up visits
 are covered until the attending physician, or 21st Century declares the end of the medical emergency.
  - Professional Medical Services referred by a physician - treatment provided by a licensed acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist or podiatrist up to a maximum of $1,000 per insured. 
  - Prescription drugs or medicines up to $500 and not exceeding a 30-day supply.
  - Accidental Dental: Up to $4,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
  - Expenses related to death from covered medical condition up to $7,500 for combined cost of preparing and transportation of the body to your place of burial or for cremation and/or burial at the place of death. The cost of a coffin or urn is not covered. *
  - Accidental Death and Dismemberment – up to $10,000 (in excess of the aggregate policy limit).
  - Re-occurrence of already claimed medical condition if in the 90-days prior to that subsequent emergency this condition was stable (see 90-Day Provision exception).
  - Flight to/from Canada coverage will be provided with no additional premium during your uninterrupted flight directly to and from Canada, when coverage is purchased prior to leaving your country of origin with an effective date equal to the date and time you are scheduled to arrive in Canada, and prior to leaving Canada to return to your country of origin with an expiry date equal to the date and time you are scheduled to leave Canada. An uninterrupted flight shall include a stop-over provided you do not leave the airport.

* These benefits must be authorized and arranged by the Assistance Centre.
** This policy does not cover cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless such services are approved in advance by the Assistance Centre.

ELIGIBILITY:
You are not eligible for coverage under this policy if:
  - you are travelling against the advice of a physician;
  - you have been diagnosed with a terminal illness with less than two years to live;
  - you have been diagnosed with or received treatment within the last two (2) years for pancreatic, lung, brain, or liver cancer; or any type of cancer that has spread from one part or organ of the body to another not directly connected with it;
  - you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);
  - you have a kidney condition requiring dialysis; 
  - you have used home oxygen during the 12 months prior to the date of application; and/or
  - you reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre.

WAITING PERIOD for sickness:
   - No waiting period if the insurance is purchased or activated prior to your arrival in Canada or the same policy has been extended.
  - 72 hours if the policy is purchased within 30 days of your arrival in Canada (age 0 to 85).
  - 7 days if the policy is purchased after 30 days of your arrival in Canada (age 0 to 85).
  - 15 days if you are age 86 or older.
Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period.
A waiting period will apply if you:
   - purchase this policy after your arrival date; or
   - you have already arrived and request a date change to an earlier effective date; or
   - decrease your deductible amount or change from Standard to Stable Chronic Condition coverage rates or increase your aggregate policy limit when you purchase consecutive policies with no gap between the expiry date of the previous policy and the effective date of the subsequent policy.
NOTE: If you have coverage with another insurer during the first part of your trip, and you are purchasing or activating this insurance after your arrival date and there will be no gap in your coverage, you may submit a Special Consideration Form and request to have the waiting period waived. You must be in good health and provide proof satisfactory to us that you have other coverage in force prior to purchasing this policy and receive written approval from the insurance company. 

Stable Chronic Condition Option (SCCO)
This coverage is automatic if you are age 59 or under. If you are age 60 to 85, this coverage is available to you if you truthfully and accurately answered “No” to all questions on the Medical Declaration and paid the appropriate premium. This option is not available if you are age 60 to 85 and answered “Yes” to any question on the Medical Declaration, or if you are age 86 or over.
"Stable Chronic Condition" means a pre-existing medical condition for which, in the 180 days prior to your effective date of insurance:
  - there have been no new symptoms or change in symptoms; and
  - existing symptoms have not become more frequent or severe; and
  - a physician has not found that the medical condition has become worse;
  - no test findings have shown that the medical condition may be getting worse; and
  - a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and
  - a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment; and
  - there has been no hospitalization or referral to a specialist or specialty clinic; and
  - a physician has not advised referral to a specialist or further testing, and there has been no testing for which results have not yet been received the results.
Change in medication means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed Exceptions: the routine adjustment of Coumadin, Warfarin or insulin, as long as they are not newly prescribed or stopped and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.
21st Century will not cover any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.
21st Century will not cover any lung condition if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition. 

90-Day Provision: If you are advised by the Assistance Centre that your emergency has ended, and you are not required to return to your country of origin, you will have no further coverage under this policy for any insured services that are directly or indirectly related to ongoing treatment, recurrence or complication of that medical condition. However, if your claim is deemed to be payable under this policy then subject to the other terms, conditions and exclusions of this policy such medical condition will be covered again in the event of a subsequent emergency if, in the 90-days prior to that subsequent emergency:
   - you have not had any recurrence, new symptom(s) or any complications;
   - existing symptom(s) have not become more frequent or severe;
   - a physician has not determined that your medical condition has become worse;
   - no test findings have shown that your medical condition may be getting worse;
   - a physician has not provided, prescribed, or recommended any new medication, or any change in medication;
   - a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment; 
   - there has been no hospitalization or referral to a specialist or specialty clinic;
   - a physician has not advised referral to a specialist or further testing; and
   - there has been no testing for which results have not yet been received.

EXTENSIONS: 
Each time you purchase another policy from the insurance company because you are staying in Canada longer, each new policy will have a new effective date and you will NOT be covered under the new policy for any sickness, disease or bodily injury which had manifested itself in the 180-day period immediately preceding the new effective date. Waiting period will apply if you decrease your deductible amount or change from Standard to Stable Chronic Condition coverage option or increase your policy limit.

SIDE TRIPS:
This insurance provides coverage for up to 30 days in total within a 365-day period while traveling outside Canada as long as you spend not less than 51% of your time in Canada. You must be continuously insured under a 21st Century Visitors to Canada policy or consecutive policies with no gaps in coverage during your side trip. You are not covered under this insurance policy in your country of origin. If you take a side trip outside of Canada that is longer than that permitted in this policy, your coverage will be suspended for the remainder of your side trip but your coverage will not be terminated. When you return to Canada, your coverage will resume and continue up to the expiry date shown on your policy confirmation.
Proof of all travel dates will be required in the event of a claim.

If you hold a multi-entry visa (such as a PG-1 VISA or an IEC Work Permit) and return to your country of origin without cancelling your policy, your coverage will be suspended while you are in your country of origin and will resume when you return to Canada (or other country as permitted under the "Side-Trips" provision). There will be no refund of premium related to your suspension of coverage while in your country of origin and your expiry date will not change.

REFUNDS:
Requests for premium refunds due to non-arrival can be submitted for consideration as long as this insurance has not been issued as part of the requirements necessary to obtain or maintain a visitor visa, in which case proof of visa refusal must be provided.
You can cancel your insurance and obtain a refund of the unused premium amount when you provide proof that you are covered under a Canadian government health insurance plan; or with proof of return to your country of origin provided that there has been no claim reported, paid or denied.
If you are applying for a partial refund due to an early return to your country of origin, and:
    a) have reported a claim that is payable but a cheque has not yet been issued, or
    b) the total amount of all reported eligible expenses will not exceed the Deductible Amount
you may apply to have such claim(s) withdrawn, subject to a file handling fee of $250 per claim. If 21st Century has notified you of a denied claim, it cannot be withdrawn.
Once any claim(s) has (have) been withdrawn to apply for a premium refund, no further expenses will be accepted for consideration under the policy, regardless of the date the expense was incurred. The file handling fee will be deducted from any amount to be refunded. Your written request to cancel this policy must be received within 60 days following the date you return to your country of origin. In no event 21st Century will back-date a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request. If your cancellation request is received more than 30 days following the date you returned to your country of origin, 21st Century will require a copy of every page of your passport to verify that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request.
All refunds are subject to approval by 21st Century. Refunds will be credited to the same credit card used to charge the premium.
In addition, a $25 policy administration fee will be applied to any refund or cancellation.

REFUNDS for Monthly Payment Option plan:
- If your visa application is denied by the Government of Canada, or you formally withdraw your visa application and your coverage under this policy has not been activated, 21st Century will refund any premium paid. Proof of the denial or withdrawal of your application for a visa must be provided to 21st Century with your written request for a refund.
- If the Government of Canada issues you an entry permit that is different than the one you applied for, you may request a refund of any premium paid or change from a monthly payment plan to payment in full as long as 21st Century receives your request prior to your entry into Canada. Proof of the change in entry permits will be required. Once you enter Canada, your deposit premium becomes non-refundable. - The $50 Policy Fee for any cancellation of, or change from the Monthly Payment Option is non-refundable.
- The two month deposit premium and the $50 Policy Fee for the Monthly Payment Option are non-refundable in any circumstance where the entry permit is approved and issued by the Government of Canada and you have arrived in Canada without proper Activation of your policy.
- The two month deposit premium and the $50 Policy Fee for the Monthly Payment Option are non-refundable on any activated policy or policy that is terminated mid-term by you or us. Only full monthly premiums will be refunded. Partial months will not be refunded.
- After you have activated your coverage under this policy, subject to all other policy terms, your insurance will terminate on the date that:
            - you return to your country of origin in the event of your death under Insured Service benefit “Expenses related to death”, or following emergency treatment of your medical condition under Insured Service benefit “Emergency Air Transportation”; or
            - the Assistance Centre specified when advising you to return to your country of origin due to your medical condition, even if you choose to remain in Canada; or
            - 21st Century receives proof that you are eligible and covered under a Canadian government health insurance plan; or 
            - you return to your country of origin and submit a written request to cancel your policy
- You may terminate your policy due to your departure from Canada or from a Side-Trip Outside of Canada, and apply for a refund of unused premium:
            - if there are more than 30 days between your termination date and expiry date, and
            - as long as your written request to cancel this policy is received within 60 days following the date you return to your country of origin. In no event 21st Century will back-date a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request
Your written notification must include:
            - a copy of your return airline tickets and stamped passport or a copy of your boarding pass, and
            - a statement saying that you have not incurred any paid claims and will not report or submit any claims against this policy after your termination date.
- If your cancellation request is received more than 30 days following the date you returned to your country of origin, 21st Century will require a copy of every page of your passport to verify that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request.
- All refunds are subject to approval by 21st Century. A $25 policy administration fee will be applied to any refund. Refunds will be credited to the same credit card used to charge the premium.
- Once 21st Century has received your cancellation request, expenses with a date of service after the termination date will not be considered for reimbursement.
- If your policy has more than one person identified as a Named Insured on the policy confirmation and one Named Insured requests an early cancellation while the other wants to remain in Canada, the remaining Named Insured must either purchase a new policy with the Monthly Payment Option or pay the full outstanding balance for individual coverage on their existing policy.

CLAIMS:
IN THE EVENT OF AN EMERGENCY, YOU MUST CALL THE ASSISTANCE CENTRE IMMEDIATELY: 
1-877-882-2957 toll-free from the USA and Canada. If unable to use the toll-free number, call collect to Canada: +1 519-251-7856
You must contact the Assistance Centre prior to receiving any medical treatment. If you fail to contact the Assistance Centre, you will have to pay 20% of the medical expenses 21st Century would normally pay under this insurance. If it is medically impossible for you to call when the emergency happens, the 20% co-insurance will not apply. In this case, 21st Century asks that you call as soon as you can or that someone call on your behalf.

To make a claim, you will need to complete a claim form and attach the original medical bills, receipts and invoices (always make a copy for your record), your medical and/or hospital record (diagnosis, X-ray, lab tests confirming that the treatment was medically necessary), copy of police report (in case of a Motor Vehicle Accident) and mail it to:
21st Century Visitors Claims
c/o Active Care Management
P.O. Box 1237, Stn A
Windsor, ON, N9A 6P8
- Claims must be reported within 30 days of occurrence.
- Written proof of claim must be submitted within 90 days of occurrence
- To enquire about the status of your claim call 1-855-297-4379 from 8:00 AM to 8:00 PM ET.

EXCLUSIONS: 
21st Century will not reimburse you for insured services or pay an Accidental Death and Dismemberment claim and/or any other expenses arising after any applicable waiting period, from:
1. any pre-existing medical condition:
    i) if you are age 60 or older and covered under the Standard rate category;
   ii) other than a stable chronic condition if you are under age 60;
  iii) other than a stable chronic condition if you are age 60 to 85 and you were eligible to purchase and paid the required premium for the Stable Chronic Condition Option.
2. any sickness, disease, symptom, or injury:
    i) when you knew, prior to your effective date, that you would need or be required to seek treatment for that medical condition during your trip; and/or
   ii) for which, prior to your effective date, it was reasonable to expect that you would need treatment during your trip; and/or
  iii) for which future investigation or treatment was planned prior to your effective date; and/or
  iv) which produced symptoms that would have caused an ordinarily prudent person to seek treatment in the 180 days prior to the effective date; and/or
   v) that had caused your physician to advise you not to travel; and/or
  vi) that presented, recurred or was treated during any temporary return to your country of origin during the Coverage Period as is permitted only if you are a holder of a multi-entry PG-1 VISA (Super Visa).
NOTE: Under Exclusion #1 and #2, each time you purchase another policy from 21st Century, each new policy will have a new effective date and these exclusions will apply to that new effective date.
3. Any expenses or benefits if the information provided on your application for insurance is not truthful and accurate or you did not meet the eligibility requirements.
4. Cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) or charges unless approved by the Assistance Centre prior to being performed, except in extreme circumstances where such surgery is performed on an emergency basis immediately upon admission to a hospital.
5. Magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless approved in advance by the Assistance Centre.
6. self-inflicted injury, suicide or attempted suicide; a criminal act or an attempt to commit a criminal act.
7. any sickness, injury or death related to your intoxication, the misuse, abuse, overdose, or chemical dependence on medication, drugs, alcohol, or other intoxicant.
8. an emergency resulting from: mountain climbing requiring the use of specialized equipment, including carabineers, crampons, pick axes, anchors, bolts and leadrope or top-rope anchoring equipment to ascend or descend a mountain; rock-climbing; parachuting, skydiving, hang-gliding or using any other air-supported sporting device; participating in a motorized speed contest; or your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving, is your principal paid occupation.
9. any pregnancy that commences prior to the effective date of this policy; your routine pre-natal care; your routine pregnancy or childbirth; complications of your pregnancy or childbirth when they happen in the 9 weeks before or after the expected date of delivery; medical treatment or services provided to your child born during your Coverage Period.
10. the provision of insured services to children 30 days of age or younger.
11. an act of war or an act of terrorism when you are outside of Canada and covered under this insurance.
12. any treatment that is elective, cosmetic and not for an emergency and/or general health examinations or services.
13. a continuation of treatment or service first recommended or prescribed by a physician or health- care practitioner before the effective date of this policy or where such insured services were first initiated before the effective date of this policy or during the waiting period, or for holders of a valid multiple-entry visa issued by the government of Canada, during a return to your country of origin during the Coverage Period.
14. prescription drugs or medicines, treatment, appliances or devices provided to monitor or maintain a Stable Chronic Condition.
15. the repair, replacement or purchase of eyeglasses, contact lenses or hearing aids.
16. your medical or health assessment or any form of report or document supporting an application to obtain immigrant status or extend your visa in Canada or any recommended treatment resulting from such health assessment.
17. any medical treatment or follow-up visit outside of Canada when the emergency occurred in Canada. 
18. a mental or emotional disorder (other than acute psychosis) that does not require admission to a hospital.
19. any emergency that occurs or recurs after 21st Century’s medical advisors recommend that you return to your country of origin and you choose not to.
20. the ongoing treatment, recurrence or complication of a medical condition when you have already received emergency treatment for that condition during your Coverage Period and the Assistance Centre determines that your medical emergency has ended. (See 90-Day Provision for exception.)
21. any medical condition you suffer or contract in a specific country, region or city outside of Canada, while covered under the "Side-Trips Outside of Canada" provision or while on an uninterrupted flight to or from Canada if a government of Canada Travel Advisory, issued before you travel to that location, advises against all or nonessential travel to that specific country, region or city. In this exclusion, medical condition is limited, related or due to the reason for the Travel Advisory.
22. any medical treatment once you become eligible and/or covered under a Canadian government health insurance plan.
23. covered expenses that exceed 80% of those Manulife would normally pay, if you do not contact the Assistance Centre prior to receiving any medical treatment unless your medical condition makes it impossible for you to call. If your medical condition makes it medically impossible for you to call, please have someone call on your behalf.
24. your failure to follow a recommended or prescribed therapy or treatment.
25. any insured service that must be authorized by the Assistance Centre when it has not given any such authorization or made no arrangement for that insured service.
26. Any expenses arising from any sickness, disease, symptom or injury that presented, recurred or was treated during any suspension of coverage during a Side-Trip Outside of Canada

RATES:

Table 1 - Stable Chronic Condition Coverage
Single Rates
Age/Sum $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
0-25 $1.87 $2.28 $2.30 $2.75 $3.50 $4.10
26-34 $2.04 $2.36 $2.52 $2.85 $3.75 $4.57
35-39 $2.09 $2.47 $2.62 $3.05 $4.00 $5.00
40-54 $2.26 $2.62 $2.98 $3.40 $4.90 $5.81
55-59 $2.37 $2.95 $3.10 $3.67 $5.25 $6.67
60-64 $3.37 $3.76 $4.15 $5.05 $6.60  $8.80
65-69 $3.61 $4.50 $4.95 $5.60 $7.50  $11.55
70-74 $5.50 $6.85 $7.40 $8.57 $10.90  
75-79 $6.71 $7.95 $9.10 $11.25 $13.40  
80-85 $10.07 $11.32 $13.75 $16.50 $20.00  
             
Family Rates (based on age of oldest person)
0-25 $3.74 $4.56 $4.60 $5.50 $7.00 $8.20
26-34 $4.08 $4.72 $5.04 $5.70 $7.50 $9.14
35-39 $4.18 $4.94 $5.24 $6.10 $8.00 $10.00
40-54 $4.52 $5.24 $5.96 $6.80 $9.80 $11.62
55-59 $4.74 $5.90 $6.20 $7.34 $10.50 $13.34

  - Applicants under age 60 are automatically covered for "stable chronic conditions" 
   - Applicants ages 60 to 85 who wish to purchase this option must complete the Medical Declaration to determine eligibility for coverage.
   - Applicant age 86 and over must complete the Medical Declaration to determine eligibility.
   - Minimum policy premium is $25.00.
   - Family rate - is twice the older adult rate. Family means 3 or more of: parent(s) or legal guardian(s) and their unmarried children under age 21 who are visiting Canada with them and dependent on them for their sole means of support.
  - Travel Companion Savings of 5% applies to each traveller purchasing this coverage and travelling together. Travel Companions Savings cannot be applied to Family Rates.
  - When you purchase the $100,000 option, you are automatically insured for $150,000 for covered expenses as a result of an accidental bodily injury.

Table 2 - No Stable Chronic Condition Coverage
Single Rates
Aggregate policy limit per person

Age 60
to 64

Age 65
to 69
Age 70 
to 74
Age 75
to 79
Age 80
to 85
Age 86 and over (deductible $500)
$10,000 $3.04 $3.26 $4.46 $5.28 $6.66 $10.71
$15,000 $3.40 $4.00 $5.60 $6.60 $8.90 $12.54
$25,000 $3.75 $4.45 $6.66 $8.07 $10.06 $14.76
$50,000 $4.50 $5.06 $7.72 $9.80 $11.90  
$100,000 $5.90 $6.75 $9.80 $12.10 $14.00  

RATE TABLE GUIDE:

Age Stable Chronic Condition Option Medical Declaration Required? Premium Table Deductible Amount
Under 60 Automatically Included No Table 1 $50.00
60-85 If Option Waived No Table 2 $50.00
60-85 If Option Purchased Yes Table 1 $50.00
86 plus Not Available Yes * Table 2 $500.00

 * For age 86 plus, if there are any "Yes" answers on the Medical Declaration, no coverage of any kind is available from 21st Century.

DEDUCTIBLES: The published rates include a $50 deductible per person per policy period. The following deductible options and discounts are available: 40% savings for $10,000 deductible, 35% savings for $5,000 deductible, 20% discount for $1,000 deductible and 10% for $250 deductible. $0 deductible option is also available for visitors up to age 85. $500 deductible amount is the minimum deductible for anyone 86 and over. If you have upgraded your Coverage Period to two years, the Deductible Amount will be reset on day 366 of your Coverage Period and will have to be paid again by you before you will be reimbursed for eligible expenses in year two.

Applicants who select the “disappearing deductible” option receive a premium discount of 30% when $25,000 coverage is purchased or 25% discount if $50,000 of benefit is selected.

Disappearing Deductible means that all other deductible amounts are waived and replaced with a $2,500 per-claim deductible amount that applies to each sickness-related claim when eligible expenses, per claim, are $2,500 or less. When you submit a claim where the sickness-related eligible expenses exceed $2,500 per claim, the deductible amount is waived and eligible expenses will be reimbursed back to the first dollar. There will be no deductible amount when a claim is a result of an injury. 

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

21st Century Travel Insurance Inc.
Visitors Insurance Policy PDF

21st Century Travel Insurance Inc.
Visitors Claim Form PDF

21st Century Travel Insurance Inc.
Medical Declaration PDF

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