21st Century Travel

Visitors to Canada - 21st Century Travel

Summary

This policy provides emergency medical coverage for sickness and accident. You can purchase coverage limits up to $150,000. Coverage for stable pre-existing conditions (180 day stability) is included up to age 59. Persons aged 60 to 85 can also get coverage for stable pre-existing conditions by completing a medical declaration.

You are NOT eligible for coverage under this policy if:

  1. You are travelling against the advice of a physician
  2. You have been diagnosed with a terminal illness with less than two years to live
  3. You have a kidney condition requiring dialysis
  4. You have used home oxygen during the 12 months prior to the date of application
  5. you have been diagnosed with or received treatment within the last two 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
  6. you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant)
  7. you reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre

Benefits

Features:

  • Provides emergency medical coverage for sickness and accident
  • Coverage for stable pre-existing conditions included up to age 59 (180 day stability)
  • Option to purchase stable pre-existing condition coverage, ages 60 to 85 upon completion of a medical declaration
  • Up to 30 days coverage outside of Canada
  • Maximum one year policy term
  • Eligible for the "Super Visa" program

Coverage Limits:

  • Age 0 to 59 - $10,000, $15,000, $25,000, $50,000, $100,000, $150,000
  • Age 60 to 85 - $10,000, $15,000, $25,000, $50,000, $100,000
  • Age 86 and over - $10,000, $15,000, $25,000

Deductible Options:

  • Age 0 to 85 - $0, $50, $250, $1,000, $5,000, $10,000
  • Age 86 and over - $500, $1,000, $5,000, $10,000
  • $2,500 disappearing deductible applicable to $25,000 and $50,000 limits only

Summary of Benefits:

  • Treatment by a physician
  • Semi-private hospital room
  • Out-patient charges
  • Private duty nursing and licenced home care up to $5,000
  • Health care practitioner services up to $1,000 when referred by a physician
  • Diagnostic treatments when hospitalized
  • Emergency transportation by ambulance
  • Prescription drugs ($500 limit for out-patients)
  • Emergency return home
  • Accidental dental up to $4000
  • $10,000 accidental death and dismemberment benefit

Special Features:

  • No limit for follow up coverage after an emergency other than the policy limit
  • 5% companion discount
  • Extra injury coverage when you select the $100,000 limit - you get an additional $50,000 for injury only
  • Excellent family rate, twice the rate of the oldest person - covers the whole family

Please refer to the policy wording for complete benefits, exclusions, limitations and conditions.

Application