21st Century Travel Insurance

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Administrated by: 21st Century Travel Insurance Limited

Underwritten by: The Manufactures Life Insurance Company (Manulife Financial)
24 hours Assistance Center: Active Care Management

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS

Maximum Benefits: $15,000; $25,000; $50,000, $100,000, $150,000 and $200,000 (Monthly Payment Plan is available for the $100,000; $150,000 and $200,000 coverage limit with one or two-year policy)
Emergency hospital: semi-private room or intensive care unit when medically necessary.
Ambulance Transportation: the use of a licensed local ambulance service.
Emergency Air Transportation: the cost for one-way economy airfare, stretcher or air ambulance to transport you to your country of origin, and a medical attendant if required. *
Diagnostics: tests that are needed to diagnose or find out more about your condition. **
Physician services.
Private duty registered nursing or licensed home care providers. *
Medical Appliances – rental of crutches, hospital bed, splints, trusses, braces or other prosthetic devices, up to $5,000.
Follow up visits are covered until the attending physician, or 21st Century declares the end of the medical emergency (Basic Plan is limited to only one follow-up during period of coverage).
Professional Medical Services referred by a physician – treatment provided by a licensed acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist or podiatrist up to a maximum of $1,000 per insured (Basic Plan is limited to service from acupuncturist, chiropractor and physiotherapist).
Re-occurrence of already claimed medical condition (Enhanced and Standard Plans only) if in the 90-days prior to that subsequent emergency this condition was stable (see 90-Day Provision exception).

Telemedicine service by StandByMD (Maple) – 24/7 days medical consultation service that connects you within minutes to a Canadian licensed primary care physician to get an assessment, diagnosis and prescription as needed. Currently StandByMD (Maple) is available in ON, BC, NS, MB, NL, AB, PEI, NB, QC, NU and YT. Call the Assistance Center.
Prescription drugs or medicines up to $500 and not exceeding a 30-day supply.
Emergency Dental (Enhanced and Standard Plans only): up to $300 for relief of acute dental pain.
Accidental Dental (Enhanced and Standard Plans only): Up to $4,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
Expenses related to death from covered medical condition – up to $7,500 for combined cost of preparing and transportation of the body to your place of burial or for cremation and/or burial at the place of death. The cost of a coffin or urn is not covered. *
Accidental Death and Dismemberment (Enhanced and Standard Plans only) – up to $25,000 (in excess of the aggregate policy limit).
Flight to/from Canada coverage will be provided with no additional premium during your uninterrupted flight directly to and from Canada, when coverage is purchased prior to leaving your country of origin with an effective date equal to the date and time you are scheduled to arrive in Canada, and prior to leaving Canada to return to your country of origin with an expiry date equal to the date and time you are scheduled to leave Canada. An uninterrupted flight shall include a stop-over provided you do not leave the airport.

* These benefits must be authorized and arranged by the Assistance Centre.

** This policy does not cover cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless such services are approved in advance by the Assistance Centre.

ELIGIBILITY

You are not eligible for coverage under this policy if:

you are travelling against the advice of a physician;
you have been diagnosed with a terminal illness with less than two (2) years to live;
you have been diagnosed with or received treatment within the last two (2) 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 (metastatic cancer);
you have been diagnosed with any type of cancer that has spread from one part or organ of the body to another (metastatic cancer);

you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);
you have been diagnosed with Congestive Heart Failure;
you have been prescribed or used home oxygen in the 12 months;
you require kidney dialysis;
you reside in a nursing home or long term care facility; and/or
you are age 86 or older.

WAITING PERIOD for sickness:

No waiting period if the insurance is purchased or activated prior to your arrival in Canada or the same policy has been extended.
72 hours if the policy is purchased within 30 days of your arrival in Canada (age 0 to 85).
7 days if the policy is purchased after 30 days of your arrival in Canada (age 0 to 85).
If age 86 or older, the waiting period is 15 days for Basic Plan

Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period.

A waiting period will apply if you:

purchase this policy after your arrival date; or
you have already arrived and request a date change to an earlier effective date; or
decrease your deductible amount or change from a 21st Century plan that does not cover stable pre-existing medical conditions to one that does or increase your aggregate policy limit when you purchase consecutive policies with no gap between the expiry date of the previous policy and the effective date of the subsequent policy.

NOTE: If you have coverage with another insurer during the first part of your trip, and you are purchasing or activating this insurance after your arrival date and there will be no gap in your coverage, you may submit a Special Consideration Form and request to have the waiting period waived. You must be in good health and provide proof satisfactory to us that you have other coverage in force prior to purchasing this policy and receive written approval from 21st Century.

Enhanced Plan – coverage for stable pre-existing medical conditions

This coverage is automatic if you are age 54 or under. If you are age 55 to 85, this coverage is available to you if you truthfully and accurately answered “No” to all questions on the Medical Declaration and paid the appropriate premium. If you are age 55 to 85 and answered “Yes” to any question on the Medical Declaration, you are eligible to purchase the Standard Plan (that excludes pre-existing medical conditions).
Applicants age 86 and over are not eligible for Enhanced or Standard plans.

“Stable Chronic Condition” means a pre-existing medical condition for which, in the 180 days prior to your effective date of insurance:

If you are under age 55, the Enhanced Plan is available to you if you satisfy the Eligibility requirements and pay the appropriate premium.
If you are age 55 to 85, the Enhanced Plan is available to you if you satisfy the Eligibility requirements, truthfully and accurately answer “No” to all questions on the Medical Declaration and pay the appropriate premium.
If you are age 55 to 85 and you answer “Yes” to any question on the Medical Declaration, you are not eligible for the Enhanced Plan, but the Standard Plan is available to you under this policy if you satisfy the Eligibility requirements and pay the appropriate premium.

“Unstable Chronic Condition” means a pre-existing medical condition for which, in the 180 days prior to your effective date of insurance, any of the following apply:

there have been new symptoms or change in symptoms; and
existing symptoms have become more frequent or severe; and
a physician has found that the medical condition has become worse;
test findings have shown that the medical condition may be getting worse; and
a physician has provided, prescribed, or recommended any new medication, or any change in medication; and

a physician has provided, prescribed, or recommended any new treatment, or any change in treatment; and
a physician has provided, prescribed, or recommended any investigative testing, other than regular scheduled maintenance investigations or testing;
there has been hospitalization or referral to a specialist or specialty clinic; and
a physician has advised referral to a specialist or further testing, and there has been testing for which results have not yet been received.

Change in medication means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed Exceptions: the routine adjustment of Coumadin, Warfarin or insulin, as long as they are not newly prescribed or stopped and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.
21st Century will not cover any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.
21st Century will not cover any lung condition if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition.

90-Day Provision (Enhanced and Standard Plans only)

If you are advised by the Assistance Centre that your emergency has ended, and you are not required to return to your country of origin, you will have no further coverage under this policy for any insured services that are directly or indirectly related to ongoing treatment, recurrence or complication of that medical condition. However, if your claim is deemed to be payable under this policy then subject to the other terms, conditions and exclusions of this policy such medical condition will be covered again in the event of a subsequent emergency if, in the 90-days prior to that subsequent emergency:

you have not had any recurrence, new symptom(s) or any complications;
existing symptom(s) have not become more frequent or severe;
a physician has not determined that your medical condition has become worse;
no test findings have shown that your medical condition may be getting worse;
a physician has not provided, prescribed, or recommended any new medication, or any change in medication;

a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment;
there has been no hospitalization or referral to a specialist or specialty clinic;
a physician has not advised referral to a specialist or further testing; and
there has been no testing for which results have not yet been received.

SIDE TRIPS

This insurance provides coverage for up to 30 days in total within a 365-day period while traveling outside Canada as long as you spend not less than 51% of your time in Canada.

You must be continuously insured under a 21st Century Visitors to Canada policy or consecutive policies with no gaps in coverage during your side trip. You are not covered under this insurance policy in your country of origin. If you take a side trip outside of Canada that is longer than that permitted in this policy, your coverage will be suspended for the remainder of your side trip but your coverage will not be terminated. When you return to Canada, your coverage will resume and continue up to the expiry date shown on your policy confirmation.
Proof of all travel dates will be required in the event of a claim.

If you hold a multi-entry visa (such as a PG-1 VISA or an IEC Work Permit) and return to your country of origin without cancelling your policy, your coverage will be suspended while you are in your country of origin and will resume when you return to Canada (or other country as permitted under the “Side-Trips” provision). There will be no refund of premium related to your suspension of coverage while in your country of origin and your expiry date will not change.

EXTENSIONS

If you are purchasing coverage to extend your trip, you will receive a new policy with policy terms starting on the effective date stated on your policy confirmation.
Waiting period will apply if you decrease your deductible amount or change from a 21st Century plan that does not cover stable pre-existing medical conditions to one that does or increase your aggregate policy limit (sum insured) when you purchase consecutive policies with no gap between the expiry date of the previous policy and the effective date of the subsequent policy.

REFUNDS:

Requests for premium refunds due to non-arrival can be submitted for consideration as long as this insurance has not been issued as part of the requirements necessary to obtain or maintain a visitor visa, in which case proof of visa refusal must be provided. You can cancel your insurance and obtain a partial refund of the unused premium amount when you provide proof that you are covered under a government health insurance plan; or with proof of return to your country of origin provided that there has been no claim paid or denied. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund amount plus a file handling fee of $300 per claim will also be deducted. A denied claim will be subject to a file handling fee of $500 per claim. The file handling fee and any other adjustments will be deducted from any amount to be refunded. Once any claim(s) has (have) been withdrawn to apply for a premium refund, no further expenses will be accepted for consideration under the policy, regardless of the date the expense was incurred. Your written request to cancel this policy must be received within 60 days following the date you become eligible coverage under a government health insurance plan or you return to your country of origin. In no event will 21^st Century backdate a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request. If your cancellation request is received more than 30 days following the date you returned to your country of origin, 21^st Century will require a copy of every page of your passport to verify that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request. If you leave Canada but spend time in a country covered under the Side-Trips Outside of Canada provision, you must advise 21^st Century prior to exiting Canada if you do not want to be covered in that other country. Failure to notify 21^st Century prior to your exit date may result in premium being retained to cover all or part of that side trip.
All refunds are subject to approval by 21^st Century. Refunds will be credited to the same credit card used to charge the premium.
In addition, a $25 policy administration fee will be applied to any refund or cancellation.

NOTE: If you are a visitor to Canada with an IEC work permit, this policy will continue to provide eligible benefits that are not covered by your government health insurance plan.

REFUNDS for Monthly Payment Option plan:

– If your visa application is denied by the Government of Canada, or you formally withdraw your visa application and your coverage under this policy has not been activated, 21^st Century will refund any premium paid. Proof of the denial or withdrawal of your application for a visa must be provided to 21^st Century with your written request for a refund.
– If the Government of Canada issues you an entry permit that is different than the one you applied for, you may request a refund of any premium paid or change from a monthly payment plan to payment in full as long as 21^st Century receives your request prior to your entry into Canada. Proof of the change in entry permits will be required. Once you enter Canada, your deposit premium becomes non-refundable. – The $50 Policy Fee for any cancellation of, or change from the Monthly Payment Option is non-refundable.
– The two month deposit premium and the $50 Policy Fee for the Monthly Payment Option are non-refundable in any circumstance where the entry permit is approved and issued by the Government of Canada and you have arrived in Canada without proper Activation of your policy.
– The two month deposit premium and the $50 Policy Fee for the Monthly Payment Option are non-refundable on any activated policy or policy that is terminated mid-term by you or us. Only full monthly premiums will be refunded. Partial months will not be refunded.
– After you have activated your coverage under this policy, subject to all other policy terms, your insurance will terminate on the date that:
– you return to your country of origin in the event of your death under Insured Service benefit “Expenses related to death”, or following emergency treatment of your medical condition under Insured Service benefit “Emergency Air Transportation”; or
– the Assistance Centre specified when advising you to return to your country of origin due to your medical condition, even if you choose to remain in Canada; or
– 21^st Century receives proof that you are eligible and covered under a Canadian government health insurance plan; or
– you return to your country of origin and submit a written request to cancel your policy
– You may terminate your policy due to your departure from Canada or from a Side-Trip Outside of Canada, and apply for a refund of unused premium:
– if there are more than 30 days between your termination date and expiry date, and
– as long as your written request to cancel this policy is received within 60 days following the date you return to your country of origin. In no event 21^st Century will back-date a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request
Your written notification must include:
– a copy of your return airline tickets and stamped passport or a copy of your boarding pass, and
– a statement saying that you have not incurred any paid claims and will not report or submit any claims against this policy after your termination date.
– If your cancellation request is received more than 30 days following the date you returned to your country of origin, 21^st Century will require a copy of every page of your passport to verify that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request.
– All refunds are subject to approval by 21^st Century. A $25 policy administration fee will be applied to any refund. Refunds will be credited to the same credit card used to charge the premium.
– Once 21^st Century has received your cancellation request, expenses with a date of service after the termination date will not be considered for reimbursement.
– If your policy has more than one person identified as a Named Insured on the policy confirmation and one Named Insured requests an early cancellation while the other wants to remain in Canada, the remaining Named Insured must either purchase a new policy with the Monthly Payment Option or pay the full outstanding balance for individual coverage on their existing policy.

CLAIMS:

IN THE EVENT OF AN EMERGENCY, YOU MUST CALL THE ASSISTANCE CENTRE IMMEDIATELY: 1-877-882-2957 toll-free from the USA and Canada. If unable to use the toll-free number, call collect to Canada: +1 519-251-7856.
Call prior to receiving any medical treatment. If you do not call the Assistance Center before you obtain emergency treatment, you will have to pay 20% of the medical expenses 21^st Century would normally pay under this insurance. If medically impossible for you to call, please have someone call on your behalf as soon as possible.

To make a claim, you will need to complete a claim form and attach the original medical bills, receipts and invoices (always make a copy for your record), your medical and/or hospital record (diagnosis, X-ray, lab tests confirming that the treatment was medically necessary), copy of police report (in case of a Motor Vehicle Accident) and mail it to:
21st Century Visitors Claims
c/o Active Care Management
P.O. Box 1237, Stn A
Windsor, ON, N9A 6P8
For Online Claim Submission visit manulife.acmtravel.ca
– Claims must be reported within 30 days of occurrence.
– Written proof of claim must be submitted within 90 days of occurrence.
– To enquire about the status of your claim call 1-855-297-4379 from 8:00 AM to 8:00 PM ET.

EXCLUSIONS:

21^st Century will not reimburse you for insured services or pay an Accidental Death and Dismemberment claim and/or any other expenses directly or indirectly related to:
1. (Basic Plan) – any pre-existing medical condition;
1. (Enhanced and Standard Plans)
i) any pre-existing condition if you are covered under the Standard Plan; or
  ii) any unstable condition if you are covered under the Enhanced Plan, paid the required premium and if you are age 55 to 85 you have completed the Medical Declaration.
2. any sickness, disease or symptom that manifests before or during the waiting period even if related expenses are incurred after the waiting period.
3. any sickness, disease, symptom, or injury:
i) when you knew, prior to your effective date, that you would need or be required to seek treatment for that medical condition during your trip; and/or
  ii) for which, prior to your effective date, it was reasonable to expect that you would need treatment during your trip; and/or
iii) for which future investigation or treatment was planned prior to your effective date; and/or
iv) which produced symptoms that would have caused an ordinarily prudent person to seek treatment in the 180 days prior to the effective date; and/or
  v) that had caused your physician to advise you not to travel; and/or
vi) that presented, recurred or was treated during any temporary return to your country of origin during the Coverage Period as is permitted only if you are a holder of a multi-entry visa.
4. any expenses or benefits if the information provided on your application for insurance is not truthful and accurate or you did not meet the eligibility requirements.
5. cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) including but not limited to magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies, or charges unless approved by the Assistance Centre prior to being performed, except in extreme circumstances where such test or procedures are performed on an emergency basis immediately upon admission to a hospital.
6. your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness
7. any claim that results from or is related to your commission or attempted commission of a criminal offence or illegal act.
8. any medical condition that is the result of you not following treatment as prescribed to you, including prescribed medication.
9. • any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your Coverage Period.
• any medical condition arising during your Coverage Period, from or in any way related to, the abuse of alcohol, drugs or other intoxicants.
10. any loss resulting from your minor mental or emotional disorder.
11. any non-emergency, investigative, experimental or elective treatment such as cosmetic surgery, chronic care, rehabilitation including any expenses for directly or indirectly related complications.
12. general health examinations or services.
13. prescription drugs or medicines, treatment, appliances or devices provided to monitor or maintain any pre-existing condition.
14. an emergency resulting from:
• mountain climbing requiring the use of specialized equipment, including carabiners, crampons, pick axes, anchors, bolts and lead-rope or top-rope anchoring equipment to ascend or descend a mountain;
• rock-climbing;
• parachuting, skydiving, hang-gliding or using any other air-supported sporting device;
• participating in a motorized speed contest including training activities; or
• your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving is your principal paid occupation.
15.• any pregnancy that commences prior to the effective date;
• your routine pre-natal or post-natal care;
• your pregnancy, delivery, or complications of either, arising 9 weeks before the expected date of delivery or 9 weeks after.
16. medical treatment or services provided to your child born during your Coverage Period.
17. the provision of insured services to children under 30 days of age.
18. an act of war or an act of terrorism when you are outside of Canada and covered under this insurance.
19. a continuation of treatment or service first recommended or prescribed by a physician or health-care practitioner before the effective date of this policy or where such insured services were first initiated before the effective date of this policy or during the waiting period, or for holders of a valid multiple-entry visa issued by the Government of Canada, during a return to your country of origin during the Coverage Period.
20. your medical or health assessment or any form of report or document supporting an application to obtain immigrant status or extend your visa in Canada or any recommended treatment resulting from such health assessment.
21. any medical treatment or follow-up visit outside of Canada when the emergency occurred in Canada.
22. any emergency that occurs or recurs after our medical advisors recommend that you return to your country of origin and you choose not to. (See Loss of Coverage under Section 8 – General Conditions.)
23. the ongoing treatment, recurrence or complication of a medical condition when you have already received emergency treatment for that condition during your Coverage Period and the Assistance Centre determines that your medical emergency has ended. (See 90-Day Provision (Reinstatement of Coverage) for exception.)
24. any medical condition you suffer or contract in a specific country, region or city outside of Canada, while covered under the “Side-Trips Outside of Canada” provision or while on an uninterrupted flight to or from Canada if a Government of Canada Travel Advisory, issued before you travel to that location, advises to Avoid non-essential travel or to Avoid all travel to that specific country, region or city. In this exclusion, medical condition is limited, related or due to the reason for the Travel Advisory.
25. any medical treatment for which you are eligible and/or covered under a government health insurance plan.
26. covered expenses that exceed 80% of those 21^st Century would normally pay, if you do not contact the Assistance Centre within 24 hours of hospitalization unless your medical condition makes it impossible for you to call. If your medical condition makes it medically impossible for you to call, someone must call on your behalf.
27. any expenses arising from any sickness, disease, symptom or injury that presented, recurred or for which treatment was received during any suspension of coverage during a Side-Trip Outside of Canada.
Note: Each time you purchase another policy from 21^st Century, each new policy will have a new effective date even if you are continuing the same visit to Canada (or other country covered under the “Side-Trips Outside of Canada” provision).

RATES:

– Applicants ages 55 to 85 who wish to purchase Enhanced Plan must complete the Medical Declaration to determine eligibility for coverage.
– Minimum policy premium is $25.00.
– Family is defined as a maximum of two parent(s) or legal guardian(s) plus their unmarried children under age 22 dependent on them for their sole means of support and visiting Canada with them. It can also mean three or more siblings under age 22.

– Travel Companion Savings of 5% applies to each traveller purchasing this coverage and travelling together. Travel Companions Savings cannot be applied to Family Rates.
– When you purchase the $100,000 option, you are automatically insured for $150,000 for covered expenses as a result of an accidental bodily injury.

The Basic Plan is a reduced benefit plan with NO coverage for pre-existing medical conditions.

Basic Plan vs. Enhanced and Standard Plans:
• Pre-existing conditions look back period is Lifetime for the Basic Plan (vs. 180 days for Enhanced and Standard Plans)
• Accidental Death and Dismemberment is NOT included in the Basic Plan
• Dental Accident is not included in the Basic Plan
• Dental Emergencies are not included in the Basic Plan
• 90-Day Provision (reinstates benefits in certain circumstances after a claim) is NOT included in the Basic Plan
• Continuing Treatment (follow ups) is restricted to only one visit for the Basic Plan (vs. until the end of the emergency for the Enhanced and Standard Plans)
• No coverage for the following health care practitioners: chiropodist, osteopath, podiatrist for the Basic Plan holders
• Deductibles are PER CLAIM for the Basic Plan (vs. per policy period for Enhanced and Standard Plans except for the $2,500 Disappearing Deductible which is also per person per claim).
• Waiting Period is 15 days for Basic Plan policy holders age 86 and over if coverage is purchased after arrival in Canada or after the expiry date of another Visitors to Canada policy.

RATE TABLE GUIDE:

Plan	Age Available to	Medical Declaration Required?	Coverage for Stable Pre-Existing Condition	Premium Table	Deductible Amount
Enhanced	Age 0 to 54	No	Yes	Table 1	$0.00
Enhanced	Age 55 to 85	Yes	Yes	Table 1	$0.00
Standard	Age 55 to 85 *	No	No	Table 2	$0.00
Basic	All Ages	No	No	Table 3	$0.00

* Family Rates are not available under the Standard Plan and ALL APPLICANTS must select the same Plan.

DEDUCTIBLES:
All deductibles on the Enhanced and Standard Plans except for the Disappearing Deductible are per person per policy.
The Disappearing Deductible is per person, per sickness-related claim.
All deductibles on the Basic Plan are per person, per claim.

What is the Disappearing Deductible option? The disappearing deductible option is available to any applicant who purchases an Aggregate Policy Limit (APL) of $25,000, $50,000, or $100,000 on the Standard or Enhanced Plans. A $2,500 deductible applies to each sickness related claim when eligible expenses are $2,500 or less. When eligible expenses for a sickness-related claim exceed $2,500, the deductible amount is waived (“disappears”) and eligible expenses will be reimbursed from the first dollar.
For injury-related claims, the deductible is waived for applicants who purchase the Disappearing Deductible option.

DOWNLOADS:

21st Century ENHANCED Plan and STANDARD Plan Policy PDF

21st Century BASIC Plan Policy PDF

21st Century Visitors Claim Form PDF

21st Century Medical Declaration PDF

21st Century supports THiA Bill of Rights. For more information, go to www.thiaonline.com/Travel_Insurance_Bill_of_Rights_and_Responsibilities.html