Dan Pucher – Insurance Broker For Emergency Medical Coverage For Visitors to Canada and Canadians Traveling Outside Canada

Dan Pucher – Insurance Broker For Emergency Medical Coverage For Visitors to Canada and Canadians Traveling Outside Canada


[21st Century Travel] [Rates] [Eligibility] [Policy] [Application]



21st CENTURY TRAVEL

RATE TABLES
All applicants use Table 1 rates unless age 70 - 85 and applying for stable chronic condition coverage.
Table 1 - Daily Premium
Aggregate
Policy Limit
Per Person		 up to
25
years		 26
to 34
years		 35
to 39
years 		40
to 54
years		 55
to 59
years		 60
to 64
years		 65
to 69
years		 70
to 74
years		 75
to 79
years		 80
to 85
years		 86 *
and
older
                       
$10,000 1.50 1.60 1.70 1.80 1.90 2.80 3.00 3.65 4.20 4.55 8.75
$15,000 1.85 1.90 2.00 2.30 2.45 3.20 3.75 4.60 5.20 5.90 11.25
$25,000 1.95 2.10 2.25 2.60 2.80 3.75 4.25 5.30 5.70 6.55 13.25
$50,000 2.25 2.40 2.50 2.95 3.15 4.40 5.00 6.30 7.15 8.30 N/A
$100,000 2.95 3.25 3.45 4.40 4.55 5.45 6.75 7.90 9.30 10.50 N/A

Notes:

* Applicant age 86 and over must complete a medical declaration to determine eligibility.

Applicants under age 70 are automatically covered for "stable chronic conditions" (180-day stability)

$50.00 deductible per claim.
(For $0 Deductible ,up to age 85 only, add 5%)
(age 86 or greater - $500 deductible)

Maximum length of coverage is 365 days.
(age 86 or greater, coverage can be purchased to insure up to the first 180 days in Canada)

Family rate - is twice the older adult rate .

When you purchase the $100,000.00 option, you are automatically insured for $150,000.00 for covered expenses as a result of an accidental bodily injury.

Table 2 - Daily Premiums
"Stable Chronic Condition" Option
(age 70 to 85)
Aggregate
Policy Limit
Per Person		 70
to 74
years		 75
to 79
years		 80
to 85
Years
       
$10,000 4.40 5.25 7.00
$15,000 5.65 6.50 8.80
$25,000 6.10 7.40 10.25
$50,000 7.25 9.30 12.05
$100,000 9.10 11.25 15.25

$50.00 deductible per claim
(For $0 Deductible ,up to age 85 only, add 5%)

Maximum length of coverage is 365 days

Applicants age 70 to 85 who wish to purchase this option must complete the Medical Declaration to determine eligibility for coverage. (if ineligible for this option, refer to Table 1)

RATE TABLE GUIDE

Age Stable Chronic
Condition Option		 Medical Declaration
Required?		 Premium
Table		 Deductible
Amount
Under 70 Automatically Included No Table 1 $50.00
70-85 If Option Waived No Table 1 $50.00
70-85 If Option Required Yes Table 2 $50.00
86 plus Not Available Yes * Table 1 $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.

What is the Stable Chronic Condition Option?
When this option is automatically included or purchased for the extra premium found in Table 2, the Pre-existing Condition Exclusion in the policy will not apply to Insured Services incurred after any applicable Waiting Period to respond to a Stable Chronic Condition (as defined in the policy).

Note that, even with this option included, conditions that do not fit the definition of Stable Chronic Condition are still subject to the regular exclusion (reproduced below).

Pre-existing Condition Exclusion:
We will not reimburse you for Insured Services arising from any sickness, disease or bodily injury which had manifested itself in the 180-day period immediately preceding the Effective Date of this Policy.

Unexpected Emergency sickness, disease or bodily injury shall be considered to have manifested itself when:
  1.  medical care, advice, investigation or treatment has been received, or
  2. drugs or medicines have been taken or prescribed to treat the sickness, disease or bodily injury, or
  3. you have experienced symptoms which would cause a reasonable prudent person to seek diagnosis, care or treatment.

Under this exclusion, each time you purchase another Policy from us 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 that new effective date.

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