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Summary of Benefits


Summary of Benefits: The Destination Travel Group – Super Visa Insurance

Sum Insured $100,000 / $150,000
Hospitalization Services Up to sum insured
Emergency Medical Care Up to sum insured
Physician’s Services Up to sum insured
Registered Nurse Services Up $5,000
Side-Trips Outside Canada Up to sum insured
Rental of Medical Appliances Up to $5,000
Licensed Home Caregiver Up to $5,000
Uninterrupted Flights (in and from Canada) Up to sum insured
Services of Osteopath, Chiropractor, etc. Up to $1,000 combined
Laboratory Diagnostic Services/ X-Ray Up to $1,500
Ambulance Up to sum insured
Prescription Medications Up to $500 / 30-day supply
Return of Remains / Cremation / Burial Up to $7,500
Repatriation / Emergency Home Return Covered cost of an Economy Class ticket or Air Ambulance
Emergency Dental Repair Up to $4,000
Accidental Death & Dismemberment Up to $10,000
Double Dismemberment Up to $10,000
Single Dismemberment Up to $5,000
Monthly Payment Option Available


Monthly Payment Option:

If you are looking for flexible terms of payment for your Super Visa Insurance policy, 21 Century is the only insurance provider in Canada that offers you an option of getting a Monthly Payment Plan. Such option allows you to pay for the coverage over the course of its duration without having to pay all at once. For more information regarding 21 Century’s Monthly Payment Plan for Super Visa Insurance, please click on the “Monthly Payment Plan” tab above or talk to our Insurance Advisors.


Trip-Breaks Benefit:

Trip-Brakes Benefit is provided under the 21 Century’s Super Visa Insurance coverage for insurance holders, who visit their home country during the period of coverage with an intention to come back to Canada. Such insurance benefit keeps your insurance active, so you do not have to cancel it and re-apply for it once you decide to return to Canada to continue your stay.


Side-Trips Benefit:

With Side-Trips Benefit insureds are covered for medical emergency treatment costs while on a trip outside Canada, with an exception of your home-country, where no incurred costs are covered under this policy. In order to be eligible for Side-Trips benefit, you MUST NOT exceed a total of 30 days outside Canada during your period of coverage. You must also physically remain or plan to remain in Canada for 51% of your insurance coverage period.


Uninterrupted Flights – Travel to Canada & Back Home Coverage:

21 Century’s Super Visa insurance policy will cover uninterrupted flights (including stop-over and connecting flight, if you are not leaving the airport) on your way to / from Canada. The coverage is available to you on your way to Canada, if your Arrival Date and Effective Date match. When you leave Canada and the policy expires by the time you land in your country of origin or permanent residence, you are also covered during your flight home


Per Policy Deductible:

21 Century, unlike many other Canadian insurance providers, has per policy deductible, which, in case you have a deductible other than $0, requires you to pay the chosen amount of deductible in full only once regardless of the number of claims you may have.


Policy Wording:

Policy Wording is an official document issued by the 21 Century that outlines covered insurance benefits, eligibility requirements, conditions, exclusions and limitations applicable to your insurance as well as detailed instructions on how to submit a claim and request a refund.

Click to view – 21 Century | Policy Wording

Eligibility Requirements

Determine Your Eligibility:

You are not eligible for 21 Century’s Insurance Coverage, if any of the following conditions apply to you:

– A physician has advised you not to travel to Canada.
– You have been diagnosed with a terminal illness with less than 2 (two) years to live.
– You have been diagnosed with lung, liver, pancreatic, brain or any type of metastatic cancer during the last 2 (two) years.
– You have been prescribed and/ or used home oxygen during the last 12 months period.
– You have had / waiting for an organ or bone marrow transplant (does not apply to corneal transplant).
– You require dialysis to treat a kidney condition.
– You reside in a care or nursing home or in any rehabilitation facility.


Waiting Period:

If you have purchased 21 Century insurance before arriving in Canada or has extended the policy coverage before it’s expiry date, NO waiting period will apply to your policy.

Waiting Period applies due to the following:

– An insurance is purchased after the Date of Arrival in Canada.
– An insurance is purchased before or after arrival in Canada and insured person failed to notify us when they have actually arrived, unless the arrival date matches the effective date of the insurance policy.
– Insured person decides to change the deductible amount, sum insured and/or add or exclude Stable Pre-existing Conditions Coverage, if renewing the policy with no gap in coverage.

Waiting Periods:
– 72 hours – The insurance policy is purchased within the first 30 days after your arrival in Canada.
– 7 days – You buy the policy after the first 30 days of your arrival in Canada.
– 15 days – You are age 86 or over and you purchase your insurance plan with 21 Century after your arrival date.

If you have been present in Canada while covered under an insurance plan from another company, and you are buying 21 Century Super Visa insurance, you are may request to have the waiting period waived. Please, contact our Insurance Advisors in such case.

Note that the above information is only a summary of Eligibility Requirements and Waiting Periods. The full description can be found in a Policy Wording.

Click to view – 21 Century | Policy Wording

Making a Claim

How to Make a Claim with 21 Century?

If you require immediate medical assistance due to an emergency, you or someone on your behalf must notify Assistance Center before making a claim, if it is physically possible. If you are hospitalized and it was physically impossible to contact 21 Century, there will be no penalty. Yet, failure to contact Assistance Center will reduce the insurance benefits by 20% otherwise payable by an insurance company.

Assistance Centre is available 24 / 7

– Toll-Free – 1-877-882-2957 (within Canada & USA)
– Collect – 1-519-251-7856 (Canada)

In order to file a claim you will need to submit the following:

– Fill out the Claim Form;
– Provide your Policy Number;
– Attach the proof of all travel dates (airplane ticket, passport or visa, etc.);
– Attach original medical receipts, bills and invoices;
– Provide proof of payment, in case you have paid for the claim;
– Provide complete medical and hospital records, if required;
– In case of a motor-vehicle accident, submit a copy of a police report;
– In case of Accidental Death & Dismemberment, submit:
a) Police, autopsy or coroner’s report;
b) Medical Records;
c) Death Certificate;

Click to Download – 21 Century | Claim Form

Premium Refund

How to Get a Refund of Insurance Premium?

Please note that Premium Refunds and Policy Cancellations are a subject to $25 policy administration fee.


Full Premium Refunds:

– Request, if you have received Super Visa denial.
– Other requests for Full Premium Refund due to not travelling to Canada must be submitted for approval by 21 Century office.


Partial Premium Refunds:

– Request, if you leave Canada before the expiry date of your insurance policy.
– Request, if you become eligible for or covered under any Government Health Insurance Plan in Canada.

In case you request a Partial Premium Refund and:

– You have reported and / or paid for a claim.
– The total amount of all reported eligible costs does not exceed the Amount of Deductible.

You are eligible to apply and have such claim(s) withdrawn, which is a subject to a file handling fee of $250 per claim. Once these claims have been withdrawn in order to apply for a premium refund, no further expenses will be covered.

In order to request a Premium Refund, please contact our Insurance Advisors.

Monthly Payment Option

Super Visa Insurance: Monthly Payment Plan Purchase:

As you may already know, the 21 Century is the only Canadian insurance provider that offers Monthly Payment Option to purchase an insurance policy for Super Visa program. Such insurance fully satisfies the requirement for the proof of medical emergency insurance set by the Citizenship and Immigration Canada (CIC).

Applying for the 21 Century Monthly Payment Plan for Super Visa insurance takes several different steps described below.

1. Click on the following link to complete an application form – 21 Century | Application Form
– All you need to do is to enter first and last name of the person to be insured, full address in Canada as well as phone number and email. Once you submit it, our Insurance Advisors will get in touch with you.

2. Fill out the Pre-Authorized Monthly Payment Form that we will send you once we have your application form.
– This form authorizes the 21 Century to collect monthly premiums for your insurance coverage.
– You will need to send the completed form back to us in order to proceed to the last step.

* If the person to be insured is 60 y.o. or over and has pre-existing medical conditions, he or she will need to complete Medical Declaration that can be found below.

Click to view – 21 Century | Medical Declaration

3. Lastly, once our Insurance Advisors have your application form, pre-authorized monthly payment form and a medical declaration, if applicable, we will set up the coverage for you and send an email confirmation with your insurance documents.


Payment Terms:

Your initial payment at the time of insurance purchase is 2 (two) monthly premiums (out of 12 premiums total for 1 year) plus a $50 policy administration fee. These 2 (two) monthly premiums are collected by the 21 Century as a security deposit to cover the LAST 2 (two) months of the coverage period.

With a Monthly Payment Plan for Super Visa Insurance, you will need to select a tentative arrival date until the CIC officer reaches the decision on whether to approve your Super Visa application. Please, note that you should NOT activate the policy at the moment of purchase, unless the person to be insured is in Canada.

In case an insured person is in Canada at the moment of insurance purchase, the insurance MUST be activated immediately and the payment will be 3 (three) monthly premiums, which cover the first and the last two months of the coverage period.

The Arrival Date and Effective Date (Coverage Start Date) should match the arrival date on your visa application, provided that the person to be insured is not in Canada at that moment.

Your insurance policy will be in a “Pending” mode until the visa decision is reached. No further action is required from you until the government approves or denies your application.


Monthly Payment Plan: Activation

Once your Super Visa is approved, get in touch with us and request the insurance to be activated. As mentioned, 21 Century will collect the 3rd insurance premium to cover the first actual months an insured person is in Canada. When you send us the request for activation, include the exact Arrival Date of the insured person, which will be used to set up an Effective Date for the coverage to begin.

Important Notice: You must contact us to activate the insurance policy at least 3-5 business days BEFORE you arrive in Canada. If you fail to activate your policy before arrival, your insurance coverage will not begin until you pay the 3rd (third) premium installment and your policy will have a certain waiting period (see Policy Wording) once it is finally activated. Claims will not be approved on a Pending policy that has not been properly activated.

Click to download – 21 Century | Monthly Plan Explanation


Monthly Payment Plan: Cancellations and Refunds:

Cancellations are acceptable if the Super Visa application is refused by CIC or for early departures with a cancellation fee of $25 per policy.

– For refused Super Visa, you need to provide a copy of the refusal letter issued by the CIC; the 2-month deposit premium is refunded, but the 21 Century withholds the $50 administration fee.
– For Early Departures, you need to provide a copy of the Boarding Pass as a proof of return to your country of origin for the 21 Century to issue a refund for 2-month deposit, while $50 is non-refundable.

Any full unused monthly premiums you have paid are refundable. If you are insured for any part of a month, that month becomes non-refundable. If you leave any time within the first two months, the 21 Century will retain the first two months as a minimum premium, but any other payments you have made will be refunded.