21st Century Visitors to Canada Insurance
Deductible: The rate above the tables have $50 deductible. Up to age 85, For $0deductible, apply 5% surcharge to premium; For $250 deductible, apply 10% discount to premium.Age 86 and over,$500 deductible applies. $1000,$5000 and $10,000 are availble to all ages, all rates and to all visitor Types, and have 20%, 35% and 40% discount respectively.
Family Rates: charge 2x the oldest applicant's total premium.
Travel Companion Savings of 5% applies to each traveler purchasing this coverage and traveling together.
Minimum policy Premium is $25
You are not eligible for coverage under this policy if:
- You are traveling against the advice of a physician;
- you have been diagnosed with a terminal illness with less than two 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 or cancer that has spread from one part or organ of the body to another not directly connected with it;
- you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant )
- you have a kidney condition requiring dialysis;
- you have used home oxygen during the 12 months prior to the date of application. and/or
- you reside in a nursing home, or home for the aged, and other long term care facility or rehabilitation centre.
- 72 hours if the policy is purchased within 30 days of your arrival in Canada.
- 7 days if the policy is purchased after 30 days of your arrival in Canada.
- 15 days if you are age 86 or older and if you purchased your policy after the arrival date.
A condition which is under treatment and which has been controlled by consistent use of medication prescribed by a physician, and there have been no new symptoms or change in symptoms; and/or there has been no hospitalization or change in treatment, medication or dosage in the 180 days prior to the effective date of this policy.
- Intentional self-injury, suicide or attempted suicide while sane or insane.
- Sickness, disease or bodily injury in any way arising from or contributed to by the misuse of drugs or alcohol.
- An emergency resulting from: hang-gliding, rock-climbing, mountaineering, parachuting or skydiving;
- participating in a motorized speed contest; or your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving, is your principal paid occupation.
- The provision of "Insured Services" to children 30 days of Age or younger.
- War, invasion, terrorist acts.
- "Your" obtaining medical or healthcare assessment or any form of report or document for the purposes of supporting an application to obtain immigrant status in Canada.
- Mental and emotional disorder (other than acute psychosis) that does not require admission to a hospital.
- General health examinations, medical and health services, including prescription drugs or medicines, provided to monitor or maintain a "Stable Chronic Condition".
- Costs incurred in your country of origin are excluded.
Maximum Benefits: $10,000; $15,000; $25,000; $50,000, $100,000 and $150,000
Hospital and medical expenses - Up to the amount of insurance purchased for emergency hospitalization (ward accommodation) or out-patient services.
Physician and 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 a maximum of $5,000.
Professional Medical Services referred by a physician - treatment provided by a licensed chiropodist, chiropractor, osteopath, physiotherapist, podiatrist or acupuncturist up to a maximum of $1,000 combined.
Diagnostic Treatment needed to diagnose or find out more about your condition;
Prescription drugs or medicines up to $500 per insured maximum.
Funeral Expenses: In the event of death, up to $7,500 for preparing and transportation of the body to the country of origin or up to $5000 for cremation and/or burial in Canada or USA.
Emergency Transportation: The cost up to the policy limit for one-way economy airfare or stretcher to transport you to your country of origin, and a medical attendant if required.
Accidental Dental: Up to $4,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
Accidental Death and Dismemberment – up to $10,000 (in excess of the aggregate policy limit)
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 Canada
Claim Assistance: In the event of claim or in the event of circumstances likely to result in a claim, you must call the Claims Assistance Centre prior to receiving any medical treament at: 1- 877-882-2957 (toll-free within North America) from 8:30 AM to 8:00 PM Eastern Standard Time.