For over 45 years, 21st Century Travel Insurance has been providing reliable insurance solutions for visitors to Canada. Federally chartered in 1979, the company has established itself as a trusted provider of Super Visa insurance plans.
With a wide range of plan options available, applicants can choose the coverage that suits their needs. The insurance plans include emergency medical coverage, hospitalization, and other essential benefits required by Immigration, Refugees and Citizenship Canada.
By choosing 21st Century, applicants can ensure they meet the necessary requirements for Super Visa applications while enjoying affordable and comprehensive coverage.
Key Takeaways
- Comprehensive Super Visa insurance plans from 21st Century Travel Insurance.
- Multiple plan options with coverage amounts ranging from $15,000 to $200,000.
- Emergency medical coverage, hospitalisation, and other essential benefits are included.
- Affordable and reliable insurance solutions for Super Visa applicants.
- Over 45 years of experience in the insurance industry.
Understanding Super Visa Insurance in Canada
Canada’s Super Visa program allows parents and grandparents of Canadian citizens to stay for an extended period, but it requires specific insurance coverage. To apply for a Super Visa, visitors must have insurance that meets the requirements set by Immigration, Refugees and Citizenship Canada.
What is a Super Visa and Why Insurance is Required
A Super Visa is a type of visa that allows parents and grandparents of Canadian citizens or permanent residents to visit their family in Canada for up to two years without the need for renewal. Insurance is required to ensure that visitors have adequate coverage for medical emergencies, hospitalization, and repatriation.
Key Requirements for Super Visa Insurance Coverage
To qualify for a Super Visa, the insurance policy must meet specific requirements, including:
- Minimum coverage of $100,000 for emergency medical care, hospitalization, and repatriation.
- The policy must be valid for a minimum of one year from the date of entry to Canada.
- Insurance providers must be Canadian companies, and the coverage must be in effect throughout the visitor’s stay in Canada.
- No waiting period if the insurance is purchased or activated prior to arrival in Canada.
It’s essential to choose an insurance provider that meets these requirements to avoid any issues with the Super Visa application.
21st Century Travel Insurance Canada: Company Overview
With a rich history in the insurance industry, 21st Century Travel Insurance Canada offers reliable coverage for visitors to Canada. The company’s long-standing presence in the market is a testament to its commitment to providing quality insurance solutions.
History and Experience in the Insurance Industry
21st Century Travel Insurance has accumulated decades of experience in the insurance industry, with a specific focus on travel insurance. The company’s history is marked by its ability to adapt to changing customer needs while maintaining a strong foundation in the market.
The company’s travel insurance plans are designed to provide comprehensive coverage for visitors to Canada, including those applying for Super Visa insurance. With years of experience, 21st Century Travel Insurance has refined its products to meet the specific needs of its clients.
Reputation and Underwriting Partners
The reputation of 21st Century Travel Insurance is built on its stable partnerships with industry-leading financial institutions. Since 2004, their Visitor to Canada product has been underwritten by Manulife Financial, one of Canada’s largest and most respected insurance companies.
The company’s underwriting partners have been consistent over the years, with Manulife Financial serving as the underwriter for their Visitor to Canada products since 2004, and ING as their underwriter for many years prior. This stability enhances the credibility and reliability of 21st Century’s travel insurance products, giving customers confidence in their coverage.
By maintaining long-term relationships with its underwriting partners, 21st Century Travel Insurance Limited (operating as 21st Century Travel Insurance Services in British Columbia) ensures consistent service standards across Canada.
Super Visa Insurance Plan Options from 21st Century
21st Century Travel Insurance Canada offers a range of Super Visa insurance plans tailored to meet different needs and budgets. Whether you’re looking for comprehensive coverage or a basic plan that meets the minimum requirements, 21st Century has options to suit various requirements.
Enhanced Plan Features and Benefits
The Enhanced Plan from 21st Century Travel Insurance is designed for those seeking comprehensive coverage. This plan includes a wide range of benefits such as emergency medical services, hospitalization, and physician services. One of the standout features is the 90-Day Provision, which allows for the reinstatement of coverage for a second claim related to the same medical condition, providing additional peace of mind for travelers.
Furthermore, the Enhanced Plan covers follow-up visits and paramedical services, including acupuncturists, chiropractors, and physiotherapists, without the limitations found in more basic plans. This makes it an ideal choice for individuals who want extensive coverage during their stay in Canada.
Standard Plan Coverage Details
The Standard Plan strikes a balance between affordability and comprehensive coverage. It includes essential benefits like emergency hospitalization and physician services, required for Super Visa approval. This plan also includes the 90-Day Provision, offering protection against subsequent claims for the same condition.
While it may not offer all the extras of the Enhanced Plan, the Standard Plan is a solid choice for those who need reliable coverage without the highest level of benefits. It’s designed for visitors who are looking for a middle ground between cost and coverage.
Basic Plan Essentials
The Basic Plan provides the essential coverage required by the Canadian government for Super Visa applications at an affordable price. It covers emergency hospitalization, physician services, and other mandatory benefits. However, it does not include the 90-Day Provision, and it limits follow-up visits and paramedical services.
This plan is ideal for budget-conscious visitors who are in good health and primarily need to satisfy the Super Visa insurance requirements. It’s a straightforward, no-frills option that meets the minimum requirements.
Coverage Amounts and Premium Options
21st Century Travel Insurance offers flexible coverage amounts and premium options tailored to the needs of Super Visa holders. Understanding these options is crucial for selecting the right insurance plan.
Available Coverage Limits ($15,000 to $200,000)
21st Century Travel Insurance provides a range of coverage limits from $15,000 to $200,000, allowing visitors to choose the amount that best suits their needs. This flexibility is particularly useful as it enables individuals to balance their insurance costs with the level of protection required.
The available coverage limits are designed to accommodate different lengths of stay and varying health conditions, ensuring that visitors can find a suitable plan.
Monthly Payment Plan Option
The Monthly Payment Plan option is an attractive feature for those who prefer to manage their insurance costs over time. This plan requires a two-month deposit premium and a $50 Policy Fee, which are non-refundable upon activation or mid-term termination of the policy.
Only full monthly premiums are refundable, and partial months are not refunded. This structure helps in budgeting and managing insurance expenses.
Two-Year Policy Option
For Super Visa holders planning extended stays, the Two-Year Policy option provides continuous coverage without the need for renewal after the first year. This option can be purchased with either a single upfront payment or through the Monthly Payment Plan, offering flexibility.
Choosing the Two-Year Policy often results in cost savings compared to buying two separate one-year policies, making it an economical choice for long-term visitors.
Comprehensive Medical Benefits Included
Comprehensive medical coverage is a key feature of 21st Century’s Super Visa insurance plans, ensuring that visitors have access to necessary medical care during their stay in Canada.
Emergency Medical Services Coverage
In the event of a medical emergency, 21st Century’s Super Visa insurance plans provide coverage for emergency medical services. This includes treatment and care received in hospitals, clinics, and other medical facilities. The plans are designed to help visitors manage unexpected medical expenses, providing financial protection and peace of mind.
The emergency medical services coverage is a crucial component of 21st Century’s Super Visa insurance, ensuring that visitors receive timely and appropriate medical care.
Hospitalization and Physician Services
21st Century’s Super Visa insurance plans also cover hospitalization and physician services. This includes room and board in a hospital, as well as fees for physicians and surgeons. The plans ensure that visitors receive the medical care they need, whether it’s for a sudden illness or an unexpected injury.
In addition to hospital care, the plans cover various physician services, including consultations, diagnostic tests, and treatments. This comprehensive coverage helps ensure that visitors receive the medical attention they require.
Additional Medical Benefits
Beyond emergency medical services and hospitalization, 21st Century’s Super Visa insurance plans offer additional medical benefits. These include coverage for prescription medications up to $500, not exceeding a 30-day supply. Visitors can also access emergency dental care up to $300 for relief of acute dental pain and accidental dental coverage up to $4,000 for repair or replacement of natural teeth damaged by an accidental blow to the face.
Furthermore, the plans cover professional medical services referred by a physician, including treatments from licensed acupuncturists, chiropodists, chiropractors, osteopaths, physiotherapists, or podiatrists, up to a maximum of $1,000 per insured. The plans also include telemedicine services through StandByMD, providing 24/7 medical consultation with Canadian licensed primary care physicians.
These additional benefits enhance the overall value of 21st Century’s Super Visa travel insurance plans, providing comprehensive coverage beyond just emergency hospital care.
Pre-existing Medical Conditions Coverage
Understanding how pre-existing medical conditions are covered is crucial when selecting a Super Visa Insurance plan. 21st Century Travel Insurance provides coverage for pre-existing medical conditions under specific circumstances, offering peace of mind for visitors with chronic health issues.
Stable Chronic Condition Definition
A stable chronic condition is defined as a condition that has not required any changes in medication or treatment and has not exhibited any increase in frequency or severity of symptoms for a specified period. For 21st Century Travel Insurance, this means that the condition must have been stable, with no new symptoms or complications, and no hospitalization related to the condition. Ensuring that a pre-existing condition is stable is crucial for coverage eligibility.
Age-Based Eligibility for Pre-existing Conditions
Eligibility for coverage of pre-existing medical conditions varies based on age. Applicants must meet specific age criteria to qualify for this coverage. Generally, the older the applicant, the more stringent the requirements may be, reflecting the increased risk associated with age-related health issues.
The 90-Day Provision Benefit
The 90-Day Provision is a valuable benefit included in 21st Century’s Enhanced and Standard Plans. It allows for the reinstatement of coverage for a second claim related to the same medical condition if the condition has been stable for 90 days after the initial emergency. This provision is particularly beneficial for individuals with chronic but stable health conditions, as it offers coverage for a recurrence of a previously claimed condition after a period of stability.
- The 90-Day Provision reinstates coverage for a second claim related to the same condition under specific circumstances.
- After an initial emergency claim is resolved, there is typically no further coverage for services related to that condition.
- If the condition remains stable for 90 days, coverage for that condition will be reinstated if a subsequent emergency occurs.
- For a condition to be considered stable, there must be no recurrence, new symptoms, or changes in medication or treatment.
- This provision adds significant value for visitors with chronic but stable health conditions.
Eligibility Requirements and Waiting Periods
When applying for Super Visa Insurance in Canada, understanding the eligibility requirements and waiting periods is crucial. The eligibility criteria and waiting periods can significantly impact your coverage, and knowing these details can help you make informed decisions.
Age-Based Eligibility Criteria
The eligibility criteria for Super Visa Insurance vary based on age. Visitors aged 0 to 85 are eligible for coverage with different waiting periods depending on when they purchase the policy relative to their arrival in Canada. For those aged 86 or older, the Basic Plan has a longer waiting period. It’s essential to understand these age-based eligibility criteria to ensure you qualify for coverage.
Understanding Waiting Period Rules
The waiting period for Super Visa Insurance depends on when the policy is purchased. If the insurance is bought before arrival in Canada or is an extension of the same policy, there is no waiting period. For policies purchased within 30 days of arrival, a 72-hour waiting period applies for visitors aged 0 to 85. If purchased after 30 days, the waiting period extends to 7 days for the same age group. For those 86 or older, the waiting period is 15 days for the Basic Plan. Any sickness that manifests during the waiting period is not covered, even if related expenses are incurred afterward.
To minimize the risk of uncovered expenses, it’s recommended to purchase Super Visa Insurance before arriving in Canada. Understanding the waiting period rules and age-based eligibility criteria can help you plan accordingly and ensure you have the necessary coverage when you need it.
How to Purchase 21st Century Travel Insurance
To obtain 21st Century Travel Insurance, applicants can choose between an online application process and working with local insurance agents across Canada. This flexibility ensures that visitors can select the method that best suits their needs and preferences.
Online Application Process
The online application process for 21st Century Travel Insurance is designed to be straightforward and efficient. By visiting the 21st Century website, applicants can navigate through the application portal, fill out the required information, and submit their application. This method is ideal for those who are comfortable with online transactions and prefer a self-guided process.
The online platform provides detailed information about the various plan options, coverage details, and premium costs, enabling applicants to make informed decisions about their Super Visa insurance.
Working with Local Insurance Agents
For those who prefer a more personalised experience or have specific questions about their coverage, working with local insurance agents is a viable alternative. 21st Century Travel Insurance works with more than 3,500 active partners across Canada, including travel agents, insurance brokers, financial advisors, and insurance agencies.
Local agents are well-versed in the requirements for Super Visa insurance and can provide expert guidance in selecting the most appropriate coverage. They can also explain the details of different plan options, coverage limitations, and exclusions in person, which can be particularly helpful for visitors who may have questions or language barriers. To connect with a local agent, visitors can submit a request through the 21st Century website.
Policy Management and Claims Process
The policy management and claims process with 21st Century Travel Insurance is designed to be efficient and hassle-free. This ensures that you can focus on your visit to Canada without worrying about the logistics of your insurance.
How to File a Claim with 21st Century
Filing a claim with 21st Century Travel Insurance is straightforward. You can initiate the process by contacting their claims department via phone or email. Ensure you have your policy details and relevant medical documentation ready to facilitate a smooth claims process.
Upon receiving your claim, 21st Century will review it and process it according to your policy coverage. You can track the status of your claim through their online portal or by contacting their customer service.
24/7 Emergency Assistance Services
21st Century Travel Insurance provides 24/7 emergency assistance services to its policyholders. In the event of a medical emergency, you can contact their assistance center for immediate support. Their team is available to provide guidance and help coordinate the necessary medical care.
StandByMD Telemedicine Service
One of the unique features of 21st Century Travel Insurance is the inclusion of StandByMD telemedicine service. This assistance allows policyholders to access medical consultations remotely, which is particularly useful for non-emergency medical issues. By calling the Assistance Centre, you can be connected with a Canadian licensed primary care physician within minutes.
This service is currently available in multiple provinces and territories, including Ontario, British Columbia, and others, making it a valuable resource for visitors who may need medical advice without the need to visit a clinic.
Refund Policies and Cancellation Options
Understanding the refund and cancellation policies is crucial when purchasing 21st Century Travel Insurance for your Super Visa needs. This knowledge helps you navigate your insurance options effectively and make informed decisions about your coverage.
Standard Refund Rules
21st Century Travel Insurance has a defined set of rules governing refunds. If you cancel your policy before the effective date, you are entitled to a full refund. However, once the policy is in effect, the refund rules become more complex. No refund is given if a claim has been made or if there has been an event that could lead to a claim. For policies with no claims, a pro-rata refund may be available, depending on the circumstances of the cancellation.
The specifics of the refund can vary based on the policy terms and the timing of the cancellation. It’s essential to review your policy documents or consult with 21st Century directly to understand the refund amount you might be eligible for.
Monthly Payment Plan Cancellation Process
If you are on a monthly payment plan and decide to cancel your policy, you must notify 21st Century in writing. Cancellation will be effective on the date the notice is received, and any outstanding premiums must be paid up to that date. After cancellation, you will not be charged further premiums, but you also will not be eligible for a refund of premiums already paid.
Policy Extensions and Changes
21st Century Travel Insurance allows for policy extensions when visitors need to extend their stay in Canada beyond their original policy’s expiry date. When extending coverage, a new policy is issued for the extension period, with terms beginning on the effective date stated on the policy confirmation. It’s crucial to note that a waiting period may apply if you decrease your deductible, increase your aggregate policy limit, or change to a plan that covers stable pre-existing medical conditions.
Additionally, policy changes, such as adding or removing insured persons or modifying coverage amounts, can be requested during the policy term. However, these changes are subject to approval and may incur new waiting periods.
Conclusion: Why Choose 21st Century for Your Super Visa Insurance Needs
With over 45 years of experience, 21st Century Travel Insurance is a trusted provider of Super Visa insurance plans. Federally chartered in 1979, the company has been providing travel and visitor to Canada insurance solutions, backed by reputable underwriters like Manulife Financial since 2004.
The company offers flexible plan options to suit different needs and budgets, including Enhanced, Standard, and Basic Plans with coverage amounts ranging from $15,000 to $200,000. Unique benefits such as the 90-Day Provision for reinstatement of coverage for a second claim related to the same condition on Enhanced and Standard Plans provide additional value.
Convenient payment options are available, including the Monthly Payment Plan for policies with coverage of $100,000 or more and the Two-Year policy option, making it easier to manage the cost of long-term coverage required for Super Visa holders. Comprehensive coverage for emergency medical services, hospitalization, physician services, and additional benefits like StandByMD telemedicine service provide the peace of mind that visitors need during their extended stays in Canada.
By choosing 21st Century Travel Insurance, visitors can ensure they have the right travel insurance coverage for their Super Visa needs, backed by a company with a long history of reliability and stability in the Canadian insurance market.
FAQ About 21st Century Travel Insurance
What is the minimum coverage required for Super Visa insurance?
The minimum coverage required is 0,000, but it’s recommended to have higher coverage limits, such as 0,000, to ensure adequate protection.
Can I purchase a Super Visa insurance plan if I have pre-existing medical conditions?
Yes, you can purchase a plan that covers pre-existing medical conditions if they are stable and meet the eligibility criteria. The 90-Day Provision Benefit may also be applicable.
How do I pay for my Super Visa insurance plan?
You can opt for a monthly payment plan, which allows you to spread the cost over several months, or pay the premium in full upfront.
What is the waiting period for Super Visa insurance coverage to take effect?
The waiting period varies depending on the policy, but typically, coverage begins immediately or after a short waiting period. Understanding the waiting period rules is crucial.
Can I cancel my Super Visa insurance policy and get a refund?
Yes, you can cancel your policy, but the refund rules vary. For monthly payment plans, cancellation may involve different procedures, and standard refund rules apply.
How do I file a claim with 21st Century?
To file a claim, contact the 24/7 Emergency Assistance Services and follow the guided process. You can also reach out to the claims department directly for assistance.
Is telemedicine service available with 21st Century’s Super Visa insurance plans?
Yes, StandByMD telemedicine service is available, providing convenient access to medical consultations and support.
Can I extend or change my Super Visa insurance policy?
Yes, policy extensions and changes are possible. Contact 21st Century or your local insurance agent to discuss your options and the applicable rules.
