21st Century Visitor to Canada Insurance Review (2024)

If you’re looking for a comprehensive visitors’ insurance policy while visiting Canada, 21st Century may be just the right fit for you! A well-established name in the insurance industry, 21st Century Insurance offers visitor insurance plans tailored to meet the unique needs of those travelling to Canada. 

Founded in 1979, 21st Century provides financial protection against medical bills to non-residents in Canada, including international students, work permit holders from other countries, new immigrants with PR, and tourists.

In this review, we’ll dive into the specifics of 21st Century’s visitor insurance options, examining the coverage, benefits, and flexibility they provide to international visitors. Whether you’re a student, a family member, or a tourist, this review will help you understand 21st Century’s visitor to Canada insurance.

Key Features of 21st Century’s Visitor to Canada Insurance

21st Century’s visitor to Canada insurance plans

Does 21st Century visitor to Canada insurance cover pre-existing diseases?

21st Century Visitors to Canada insurance does offer coverage for pre-existing conditions for people under 86 years of age but with specific terms and conditions. Typically, pre-existing conditions are covered under the Enhanced plan if the condition has been stable for 180 days before the insurance policy starts, referred to as the “stability period.” 

The exact length of this stability period can vary depending on any changes in medication, symptoms, or treatment during this period that could affect eligibility for coverage.

What is a stable condition according to 21st Century visitors’ health insurance?

A stable pre-existing condition should have had no change in the treatment or severity of the illness in the 180 days prior to the policy’s effective date. 

To be considered stable, you should meet the following criteria:

• No new or worsening symptoms: The condition should not exhibit any new symptoms, nor should existing symptoms worsen during the stability period
• Consistency in treatment plan: The treatment plan for the condition must remain unchanged, with no new treatments added or existing ones modified
• Unchanged medication dosage: The dosage of any medications must remain the same, with no increases, decreases, or discontinuations
• No hospitalizations: The condition should not have required any hospital stays or emergency interventions during this period
• No planned treatments: There should be no planned or anticipated treatments, surgeries, or procedures related to the condition in the future

21st Century offers pre-existing conditions coverage as a part of their Enhanced plan. However, this coverage is only available to individuals who are below the age of 86 at the time of purchasing the policy.

What is 21st Century visitor to Canada insurance’s waiting period?

A waiting period is the time after a visitor’s insurance policy starts during which certain medical conditions or claims are not covered. Coverage for these conditions begins after this period ends, typically lasting a few days to several weeks.

21st Century has three waiting periods: 72 hours, 7 days, and 15 days, depending on when the policy is purchased and the age of the insurer. There is no waiting period if the policy is purchased prior to a visitor’s arrival in Canada. 

Here are the common waiting periods offered by 21st Century:

• 72 hours: If the policy is purchased within 30 days of arriving in Canada, coverage will begin after a 72-hour waiting period for individuals aged 85 and under
• 7 days: If the policy is purchased more than 30 days after arriving in Canada, coverage will commence after a 7-day waiting period for individuals aged 85 and under
• 15 days: For individuals who are 86 years or older, regardless of when the policy is purchased, coverage will start after a 15-day waiting period

How much does 21st Century’s health insurance for visitors to Canada cost?

The cost of a visitor to Canada health insurance policy from 21st Century ranges from $90 to $700, depending on the tourist’s age, gender, and pre-existing conditions. Here are the premium costs based on an individual’s age and health status:

Cost of 21st Century visitor to Canada insurance

*Premium cost for $100,000 in coverage for a visitor to Canada insurance plan for 30 days

Can I pay monthly for my 21st Century medical insurance for visitors?

Yes, you can opt for a monthly payment plan when purchasing 21st Century medical insurance for visitors to Canada. This option is available for visitor health insurance as well as Super Visa holders, making it a flexible choice for different types of travellers.

Here’s how the 21st Century monthly payment plan works:

What are the pros and cons of 21st Century visitor health insurance policy?

21st Century offers pros such as comprehensive coverage, pre-existing coverage, monthly payment options, and reasonable pricing. However, there are some drawbacks, such as age limits for those with pre-existing conditions and extensive policy documentation. 

Here is a detailed overview of the pros and cons of the visitor health policy by 21st Century:

Pros and cons of 21st Century’s visitor to Canada insurance

Are there any exclusions or limitations in my 21st Century visitors to Canada insurance plan?

Yes, while 21st Century visitor insurance to Canada offers comprehensive coverage, there are limitations with pre-existing conditions coverage, waiting periods, self-inflicted injuries, alcohol and drug-related conditions, etc. 

Exclusions to 21st Century’s visitor to Canada insurance

Who is not eligible for visitor to Canada insurance?

While visitors to Canada insurance is available to a broad range of non-residents planning to visit Canada, certain individuals, especially those with specific pre-existing health conditions, may not qualify for this policy. 

You may not be eligible for 21st Century visitor health insurance coverage if:

• You are travelling to Canada against the advice of your physician
• You have been diagnosed with a terminal disease (such as cancer) and have been given two years to live
• You have been diagnosed with or received treatment for cancer in the pancreas, lung, brain, or liver within the last 2 years
• You have been diagnosed with metastatic cancer at any time in your life
• You have undergone or are waiting for any form of organ or bone marrow transplant which includes a corneal transplant
• You suffer from congestive heart failure
• You suffer from kidney failure and require regular dialysis
• You may have been required to use oxygen at a hospital or at home within the last 12 months
• You currently reside in a rehabilitation facility or in a long-term care facility
• You are above 86 years of age and have pre-existing illnesses

Does 21st Century allow extensions in the visitors health insurance policy?

Yes, 21st Century provides automatic extensions on their visitor health insurance policy in certain situations. If your return to your home country is delayed due to circumstances beyond your control, coverage is extended for up to 72 hours. 

If you are hospitalized on your policy’s expiry date, coverage is extended during your hospital stay for up to 365 days, and for up to 5 days after discharge from the hospital. It can also be extended until you are stable enough for evacuation. 

Additionally, if a medical emergency occurs within 5 days before your expiry date that prevents travel, as confirmed by a physician, your coverage will be extended for up to 5 days.

Does 21st Century assist in processing claims?

Yes, 21st Century assists in processing claims for their visitor insurance policies. This typically includes submitting the necessary documentation, such as medical reports and receipts, and following the required procedures. 

How to submit a claim?

21st Century has a straightforward claims processing system. To file a claim for benefits under this policy, the insured must:

• Submit the completed claim forms within 30 days after the expense or loss is incurred
• Share proof of the claim within 90 days of the date a claim has been intimated or the service was provided

21st Century will not pay 20% of the final hospital billing amount if the Assistance Center has not been informed before or within 24 hours of hospitalization. If you submit the claim on time, the company will reimburse the eligible expenses to you based on reasonable and customary charges.

“Usual, reasonable, and customary” refers to the standard medical costs for services in a specific area, ensuring charges are fair and in line with local healthcare rates.

Each company has access to the specific UC&R rates for every medical service in each province and only expenses within the UC&R range are covered by the company. The required documentation for filing a claim with 21st Century includes:

Original supporting documents must be provided. Failure to provide the necessary documentation will invalidate any claim under this policy.

How to get 21st Century visitor health insurance rates in Canada?

Thinking about 21st Century visitor health insurance but uncertain if it’s the right option for you? Our expert advisors at PolicyAdvisor guide you!

We have a dedicated team of specialists who will help you identify the perfect 21st Century policy, add added features that meet your unique needs, and purchase the cheapest visitor insurance to Canada!

Frequently Asked Questions