• 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. 

• 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.

BENEFITS

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; 

Ambulance Transportation.

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.

Dental Emargency: Up to $300.

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.