Visitors to Canada Insurance


21st Century’s Visitors to Canada Insurance

Protection against unexpected emergency medical expenses while visiting Canada.

 

21st Century’s Visitor to Canada insurance is designed to 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! Our Visitors to Canada insurance works for visitors, landed immigrants, returning Canadians and work/student visas.

We specialize in Parent and Grandparent Super Visa insurance and were the first company in Canada to offer a convenient Monthly Payment Option. A 2-year policy is also available.

Plan Insured Services

  • Physician services in or out of hospital
  • Costs of hospitalization
  • Diagnostic testing
  • Outpatient prescription medications
  • Healthcare practitioners
  • Ambulance transportation
  • Expenses resulting from death
  • Repatriation and air ambulance

    Watch this 3 Minute video to fully understand the benefits and coverage

Super Visa Insurance

We specialize in Parent and Grandparent Super Visa insurance with monthly payment options and 2-year policies available. Fully compliant with Canadian visa requirements.

Included Benefits

  • Physician services
  • Hospitalization costs
  • Diagnostic tests
  • Outpatient prescriptions
  • Ambulance transport
  • Healthcare practitioner fees
  • Repatriation and air ambulance
  • Death-related expenses

Plan Options

Enhanced Plan

  • Ages: 0–85
  • Includes stable pre-existing condition coverage
  • Coverage: $15,000 to $200,000

Standard Plan

  • Ages: 0–85
  • Excludes pre-existing conditions
  • Coverage: $15,000 to $200,000

Basic Plan

  • Ages: 0–111
  • Reduced benefits, excludes pre-existing conditions
  • Coverage: $15,000 to $200,000

Monthly Payment Plan (MPP)

  • Available for Super Visa, Visitor and Work/Student visa types.
  • Coverage Limits of $100,000, $150,000 or $200,000.
  • Coverage period of 365 days or 730 days.
  • Your client only pays a two-month deposit and $50 Policy Fee when applying for the visa. If the visa is denied the full deposit will be refunded (we keep the $50 Policy Fee).
  • You and your client don’t need to worry about moving the travel dates while waiting 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.
  • If your client returns home before the end of the policy, early return refunds will still be processed even if there was a claim.
  • Fully eligible for the Parent and Grandparent Super Visa insurance requirement.

Pending vs. Activated on the MPP

  • 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.
  • On a Pending policy, the effective and arrival dates are tentative and no coverage will go into force until the policy is Activated.
  • You will want to issue a policy Pending if the client needs insurance to be submitted as part of a travel visa application.
  • 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.
  • 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.
  • On an Activated policy, the effective and arrival dates are confirmed and coverage will go into force on the effective date.
  • You will want to issue a policy Activated if the Insured has a confirmed arrival date or is already in Canada.

2-Year Upgrade on MPP

  • Coverage limit resets to full amount at start of year two.
  • All other benefit maximums reset to full amount at start of year two.
  • 30-day Side Trip limit resets in year two.
  • Pre-existing Condition Exclusion does NOT reset.
  • Your client is locked into today’s rates for two years.
  • Your client beats potential age band increases in year two.
  • They only pay one $50 Policy Fee when the policy is purchased.
  • Helps with client retention by avoiding any breaks in regular monthly payments, having your client shop around in the second year and avoids the challenge of “re-selling” the insurance.
  • Available with Parent and Grandparent Super Visa, IEC (International Experience Canada) Work Visa and Visitor visa.
  • Coverage may be reinstated after End of Emergency Declared (see 90-Day Provision).

Why Our MPP Beats the Competition

  • Pending Status Available: Only pay a 2-month deposit and $50 policy fee to generate a policy confirmation to apply for a travel visa.
  • 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.
  • 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.
  • No Payout Requirement: If there is a claim, there is no requirement to pay-out the remaining premium balance.
  • 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.
  • 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.

  • Super Visa Insurance

    • 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 up to 2 years or longer without the need to renew their visa status and can be renewable up to a total period of 10 years.

    • ​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:

      • Covers emergency medical care, hospitalization and repatriation.

      • Covers minimum of $100,000 (CAD) emergency medical coverage for one year.

      • Is paid in full or in installments.

      • Is valid for each entry to Canada and available for review by a port of entry officer.

Need help selecting a plan? Contact us today or request a quote!

VISITORS TO CANADA INSURANCE - Rate Card