{"id":452,"date":"2022-07-19T15:38:57","date_gmt":"2022-07-19T15:38:57","guid":{"rendered":"\/\/www.travellersinsurance.ca\/manulife-visitors-insurance-copy\/"},"modified":"2022-09-06T19:44:19","modified_gmt":"2022-09-06T19:44:19","slug":"21st-century-visitors-insurance","status":"publish","type":"page","link":"https:\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/","title":{"rendered":"21st Century Visitors Insurance"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-452\" data-postid=\"452\" class=\"themify_builder_content themify_builder_content-452 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_hl43542 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_dwcq542 first\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_7acv542 image-center   tf_mw\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img loading=\"lazy\" decoding=\"async\" src=\"\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1024x382-300x112.png\" width=\"300\" height=\"112\" class=\"wp-post-image wp-image-646\" title=\"c2.png 1\" alt=\"c2.png 1\" srcset=\"https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1024x382-300x112.png 300w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1024x382.png 1024w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-768x287.png 768w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1536x574.png 1536w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-2048x765.png 2048w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1024x382-400x149.png 400w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <\/div>\n<!-- \/module image -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-sticky-active=\"{&quot;d&quot;:[]}\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_mn7x345 tf_w\">\n                        <div class=\"row_inner col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_fbou345 first\">\n                    <!-- module menu -->\n<div  class=\"module module-menu tb_ym0t345  hide-mobile mobile-menu-slide\" data-menu-style=\"mobile-menu-slide\" data-menu-breakpoint=\"0\" data-element-id=\"tb_ym0t345\" data-lazy=\"1\">\n        \n    <div class=\"module-menu-container\"><ul id=\"menu-insurance\" class=\"ui tf_clearfix nav tf_rel tf_scrollbar menu-bar tb_default_color\"><li id=\"menu-item-951\" class=\"menu-item-custom-951 menu-item menu-item-type-custom menu-item-object-custom menu-item-951\"><a href=\"#benefits\">Benefits<\/a><\/li>\n<li id=\"menu-item-952\" class=\"menu-item-custom-952 menu-item menu-item-type-custom menu-item-object-custom menu-item-952\"><a href=\"#claims\">Claims<\/a><\/li>\n<li id=\"menu-item-953\" class=\"menu-item-custom-953 menu-item menu-item-type-custom menu-item-object-custom menu-item-953\"><a href=\"#exclusions\">Exclusions<\/a><\/li>\n<li id=\"menu-item-954\" class=\"menu-item-custom-954 menu-item menu-item-type-custom menu-item-object-custom menu-item-954\"><a href=\"#rates\">Rates<\/a><\/li>\n<li id=\"menu-item-955\" class=\"menu-item-custom-955 menu-item menu-item-type-custom menu-item-object-custom menu-item-955\"><a href=\"#downloads\">Downloads<\/a><\/li>\n<\/ul><\/div>        <style>\n            .mobile-menu-module[data-module=\"tb_ym0t345\"]{\n                right:-300px            }\n        <\/style>\n    <\/div>\n<!-- \/module menu -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_cddp345 last\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_s7ua345 buttons-vertical outline  large\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"tel:1-877-838-0020\" class=\"ui builder_button tf_in_flx tb_default_color\" target=\"_blank\" rel=\"noopener\">\n                                                Call for a quote                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_2m9s008 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_3 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col3-1 tb_q9lo198 first\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_puft156 no-chart layout-icon-top size-custom  wow\" data-tf-animation=\"fadeIn\" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-top\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\" style=\"width:120px;height:120px;background-color:#f5f5f5\">\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                                            <em class=\"module-feature-icon tf_rel\" style=\"color:#c40021\"><svg  class=\"tf_fa tf-fas-user-cog\" aria-hidden=\"true\"><use href=\"#tf-fas-user-cog\"><\/use><\/svg><\/em>\n                                    <\/span>\n\n                \n            <\/span>\n                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                    <h3 class=\"module-feature-title\">\n                            Administrated by:                        <\/h3>\n                    <div class=\"tb_text_wrap\">\n            <p>21st Century Visitors Insurance<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col3-1 tb_9kal787\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_qgmg090 no-chart layout-icon-top size-custom  wow\" data-tf-animation=\"fadeIn\" data-tf-animation_delay=\"0.2\" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-top\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\" style=\"width:120px;height:120px;background-color:#f5f5f5\">\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                                            <em class=\"module-feature-icon tf_rel\" style=\"color:#c40021\"><svg  class=\"tf_fa tf-fas-file-signature\" aria-hidden=\"true\"><use href=\"#tf-fas-file-signature\"><\/use><\/svg><\/em>\n                                    <\/span>\n\n                \n            <\/span>\n                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                    <h3 class=\"module-feature-title\">\n                            Underwritten by:                        <\/h3>\n                    <div class=\"tb_text_wrap\">\n            <p>The Manufactures Life Insurance Company (Manulife Financial).<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col3-1 tb_7wr3080 last\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_ksu8898 no-chart layout-icon-top size-custom  wow\" data-tf-animation=\"fadeIn\" data-tf-animation_delay=\"0.4\" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-top\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\" style=\"width:120px;height:120px;background-color:#f5f5f5\">\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                                            <em class=\"module-feature-icon tf_rel\" style=\"color:#c40021\"><svg  class=\"tf_fa tf-fas-headset\" aria-hidden=\"true\"><use href=\"#tf-fas-headset\"><\/use><\/svg><\/em>\n                                    <\/span>\n\n                \n            <\/span>\n                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                    <h3 class=\"module-feature-title\">\n                            24 hours Assistance Center:                        <\/h3>\n                    <div class=\"tb_text_wrap\">\n            <p>Active Care Management.<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"benefits\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-benefits tb_tdoh299 tf_w\">\n                        <div class=\"row_inner gutter-narrow col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_cead401 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_wrfz007 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_1g2b069 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_mrp5827   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>BENEFITS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_noh5098 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_171g199 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_u0ol009   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><strong>&#8211; Maximum Benefits:<\/strong>\u00a0$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)<br><strong>\u00a0 &#8211; Emergency hospital:\u00a0<\/strong>semi-private room or intensive care unit when medically necessary.<br><strong>\u00a0 &#8211; Ambulance Transportation:\u00a0<\/strong>the use of a licensed local ambulance service.<br><strong>\u00a0 &#8211; Emergency Air Transportation:<\/strong>\u00a0the cost for one-way economy airfare, stretcher or\u00a0<strong>air ambulance<\/strong>\u00a0to transport you to your country of origin, and a medical attendant if required. *<br>\u00a0 &#8211;\u00a0<strong>Diagnostics:\u00a0<\/strong>tests that are needed to diagnose or find out more about your condition. **<br><strong>\u00a0 &#8211; Physician\u00a0<\/strong>services.<br><strong>\u00a0 &#8211; Private duty registered nursing<\/strong>\u00a0or licensed home care providers. *<br><strong>\u00a0 &#8211; Medical Appliances<\/strong>\u00a0&#8211; rental of crutches, hospital bed, splints, trusses, braces or other prosthetic devices, up to\u00a0<strong>$5,000<\/strong>.<strong>\u00a0<br>\u00a0 &#8211; Follow up visits<\/strong>\u00a0are covered until the attending physician, or 21<sup>st<\/sup>\u00a0Century declares the end of the medical emergency\u00a0 \u00a0 \u00a0 \u00a0<br>(Basic Plan is limited to only one follow-up during period of coverage).<br><strong>\u00a0 &#8211; Professional Medical Services<\/strong>\u00a0referred by a physician &#8211; treatment provided by a licensed acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist or podiatrist up to a maximum of\u00a0<strong>$1,000\u00a0<\/strong>per insured<br>(Basic Plan is limited to service from acupuncturist, chiropractor and physiotherapist).\u00a0<br><strong>\u00a0 &#8211; Telemedicine service by StandByMD (Maple)<\/strong>\u00a0\u2013\u00a024\/7 days medical consultation service that connects\u00a0you\u00a0within 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.<br><strong>\u00a0 &#8211; Prescription drugs<\/strong>\u00a0or medicines up to<strong>\u00a0$500<\/strong>\u00a0and not exceeding a 30-day supply.<br><strong>\u00a0 &#8211; Emergency Dental\u00a0<\/strong>(Enhanced and Standard Plans only)<strong>:\u00a0<\/strong>up to\u00a0<strong>$300<\/strong>\u00a0for relief of acute dental pain.<br><strong>\u00a0 &#8211; Accidental Dental\u00a0<\/strong>(Enhanced and Standard Plans only)<strong>:<\/strong>\u00a0Up to\u00a0<strong>$4,000<\/strong>\u00a0for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.<br><strong>\u00a0 &#8211;\u00a0Expenses related to death\u00a0<\/strong>from covered medical condition\u00a0<strong>&#8211;\u00a0<\/strong>up\u00a0to\u00a0<strong>$7,500<\/strong>\u00a0for combined cost of\u00a0preparing and transportation of the body to your place of burial or\u00a0for cremation and\/or burial at the place of death. The cost of a coffin or urn is not covered. *<br><strong>\u00a0 &#8211; Accidental Death and Dismemberment\u00a0<\/strong>(Enhanced and Standard Plans only)\u00a0<strong>\u2013\u00a0<\/strong>up to<strong>\u00a0$25,000\u00a0<\/strong>(in excess of the aggregate policy limit).<br><strong>\u00a0 &#8211; Re-occurrence of already claimed medical condition<\/strong>\u00a0(Enhanced and Standard Plans only) if in the 90-days prior to that subsequent emergency this condition was stable (see 90-Day Provision exception).<br><strong>\u00a0 &#8211; Flight to\/from Canada coverage<\/strong>\u00a0will be provided with no additional premium during your uninterrupted flight directly to and from Canada, when coverage is purchased\u00a0<strong>prior to leaving your country of origin<\/strong>\u00a0with an effective date equal to the date and time you are scheduled to arrive in Canada, and\u00a0prior to leaving Canada\u00a0to return to your country of origin with an expiry date equal to the date and time you are scheduled to leave Canada. An\u00a0<strong>uninterrupted flight<\/strong>\u00a0shall include a stop-over provided you do not leave the airport.<\/p>\n<p>* These benefits must be authorized and arranged by the Assistance Centre.<br>** 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.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"eligibility\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-eligibility tb_j47t992 tf_w\">\n                        <div class=\"row_inner gutter-narrow col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_os6t929 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_un9i974 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_fi4m028 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_32bx669   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>ELIGIBILITY:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_em87792 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_jzww080 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_caym089   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"font-weight: 400;\">You are not eligible for coverage under this policy if:<br>\u00a0 \u00a0&#8211; you are travelling against the advice of a physician;<br>\u00a0 \u00a0&#8211; you have been diagnosed with a terminal illness with less than two (2) years to live;<br>\u00a0 \u00a0&#8211; 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);<br>\u00a0 \u00a0&#8211; you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);<br>\u00a0 \u00a0&#8211; you have a kidney condition requiring dialysis;\u00a0<br>\u00a0 \u00a0&#8211; you have used home oxygen during the 12 months prior to the date of application; and\/or<br>\u00a0 \u00a0&#8211; you reside in a nursing home, other long term care facility or rehabilitation centre.<\/p>\n<p style=\"font-weight: 400;\"><strong>WAITING PERIOD for sickness:<br><\/strong>\u00a0 \u00a0&#8211; No waiting period if the insurance is purchased or activated prior to your arrival in Canada or the same policy has been extended.<br>\u00a0 \u00a0&#8211; 72 hours if the policy is purchased\u00a0<strong>within<\/strong>\u00a030 days of your arrival in Canada (age 0 to 85).<br>\u00a0 \u00a0&#8211; 7 days if the policy is purchased\u00a0<strong>after<\/strong>\u00a030 days of your arrival in Canada (age 0 to 85).<br>\u00a0 \u00a0&#8211;\u00a0If age 86 or older, the waiting period is 15 days for Basic Plan<br>Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period.<br><strong>A waiting period will apply if you:<br><\/strong>\u00a0 \u00a0 &#8211;\u00a0purchase this policy after your arrival date; or<br>\u00a0 \u00a0\u00a0&#8211; you have already arrived and request a date change to an earlier effective date; or<br>\u00a0 \u00a0 &#8211;\u00a0decrease your deductible amount or change from a 21st Century plan that does not cover stable\u00a0pre-existing medical conditions<strong>\u00a0<\/strong>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.<br>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 21<sup>st<\/sup>\u00a0Century.\u00a0<\/p>\n<p style=\"font-weight: 400;\"><strong>Enhanced Plan &#8211; coverage for stable pre-existing medical conditions<br><\/strong>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 \u201cNo\u201d to all questions on\u00a0<a href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_medical_questionnaire.pdf\">the Medical Declaration<\/a>\u00a0and paid the appropriate premium. If\u00a0you\u00a0are\u00a0age\u00a055 to 85 and answered \u201cYes\u201d to any\u00a0question on\u00a0<a href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_medical_questionnaire.pdf\">the Medical Declaration<\/a>, you are eligible to purchase the Standard Plan\u00a0(that excludes\u00a0pre-existing medical conditions).<br>Applicants age 86 and over are not eligible for Enhanced or Standard plans.<br><strong>&#8220;Stable Chronic Condition&#8221;\u00a0<\/strong>means a pre-existing medical\u00a0condition for which, in the\u00a0<strong>180 days\u00a0<\/strong>prior to your effective date of insurance:<br>\u00a0 &#8211; there have been no new symptoms or change in symptoms; and<br>\u00a0 &#8211; existing symptoms have not become more frequent or severe; and<br>\u00a0 &#8211; a physician has not found that the medical condition has become worse;<br>\u00a0 &#8211; no test findings have shown that the medical condition may be getting worse; and<br>\u00a0 &#8211; a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and<br>\u00a0 &#8211; a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment; and<br>\u00a0 &#8211; there has been no hospitalization or referral to a specialist or specialty clinic; and<br>\u00a0 &#8211; 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.<br><strong>Change in medication\u00a0<\/strong>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.<br>21st Century will not cover any\u00a0heart condition\u00a0if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.<br>21st Century will not cover any\u00a0lung condition\u00a0if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition.<strong>\u00a0<\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>90-Day Provision\u00a0<\/strong>(Enhanced and Standard Plans only)<strong>:<\/strong>\u00a0If 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\u00a0will be covered again in the event of a subsequent emergency if, in the 90-days prior to that subsequent emergency:<br>\u00a0 \u00a0&#8211; you have not had any recurrence, new symptom(s) or any complications;<br>\u00a0 \u00a0&#8211; existing symptom(s) have not become more frequent or severe;<br>\u00a0 \u00a0&#8211; a physician has not determined that your medical condition has become worse;<br>\u00a0 \u00a0&#8211; no test findings have shown that your medical condition may be getting worse;<br>\u00a0 \u00a0&#8211; a physician has not provided, prescribed, or recommended any new medication, or any change\u00a0in medication;<br>\u00a0 \u00a0&#8211; a physician has not provided, prescribed, or\u00a0recommended any new treatment, or any change in treatment;\u00a0<br>\u00a0 \u00a0&#8211; there has been no hospitalization or referral to a\u00a0specialist or specialty clinic;<br>\u00a0 \u00a0&#8211; a physician has not advised referral to a specialist or further testing; and<br>\u00a0 \u00a0&#8211; there has been no testing for which results have not yet\u00a0been received.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"extentions\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-extentions tb_gkz4948 tf_w\">\n                        <div class=\"row_inner gutter-narrow col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_wom3948 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_l33t948 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_qroh948 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_ujvk948   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>EXTENTIONS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_l4py127 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_ibnt129 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_t8bl129   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>If you\u00a0are purchasing coverage to extend\u00a0your\u00a0trip,\u00a0you\u00a0will receive a new\u00a0policy\u00a0with\u00a0policy terms\u00a0starting on the\u00a0effective date\u00a0stated on\u00a0your policy confirmation.<br>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.<\/p>\n<p><strong>SIDE TRIPS:<\/strong><br>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.\u00a0If 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.<br>Proof of all travel dates will be required in the event of a claim.<\/p>\n<p>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 &#8220;Side-Trips&#8221; 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.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"refunds\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-refunds tb_5kgg806 tf_w\">\n                        <div class=\"row_inner gutter-narrow col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_0hfu807 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_d3zh807 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_1ubb807 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_sjzz807   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>REFUNDS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_6jjl679 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_10ox680 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_71x5680   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>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\u00a0can cancel\u00a0your\u00a0insurance and obtain a partial refund of the unused premium amount when\u00a0you\u00a0provide proof that\u00a0you\u00a0are covered under a\u00a0government health insurance plan; or with proof of return to\u00a0your country of origin\u00a0provided that there has been no claim paid or denied. If\u00a0you\u00a0are applying for a partial refund and a claim has been paid or denied,\u00a0you\u00a0may 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.\u00a0<strong>Your\u00a0<\/strong><strong>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<\/strong>. In no event will\u00a021<sup>st<\/sup>\u00a0Century\u00a0backdate a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request. If\u00a0your\u00a0cancellation request is received more than 30 days\u00a0following the date\u00a0you\u00a0returned to\u00a0your country of origin, 21<sup>st<\/sup>\u00a0Century\u00a0will require a copy of every page of\u00a0your\u00a0passport to\u00a0verify that\u00a0you\u00a0did not visit Canada between the date\u00a0you\u00a0returned to\u00a0your country of origin\u00a0and the date\u00a0you\u00a0submitted\u00a0your\u00a0cancellation request. If\u00a0you\u00a0leave Canada\u00a0but spend time in a country covered under the Side-Trips\u00a0Outside of Canada provision,\u00a0you\u00a0must advise\u00a021<sup>st<\/sup>\u00a0Century\u00a0prior to exiting Canada if\u00a0you\u00a0do not want to be covered in\u00a0that other country. Failure to notify\u00a021<sup>st<\/sup>\u00a0Century\u00a0prior to\u00a0your exit date may result in premium being retained to\u00a0cover all or part of that side trip.<br>All refunds are subject to approval by\u00a021<sup>st<\/sup>\u00a0Century. Refunds\u00a0will be credited to the same credit card used to charge the\u00a0premium.<br>In addition, a $25 policy administration fee will be applied\u00a0to any refund or cancellation.<br>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.<\/p>\n<p><strong>REFUNDS for Monthly Payment Option plan:<br><\/strong>&#8211; 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<sup>st<\/sup>\u00a0Century will refund any premium paid. Proof of the denial or withdrawal of your application for a visa must be provided to 21<sup>st<\/sup>\u00a0Century\u00a0with your written request for a refund.<br>&#8211; 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<sup>st<\/sup>\u00a0Century 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. &#8211; The $50 Policy Fee for any cancellation of, or change from the Monthly Payment Option is non-refundable.<br>&#8211; 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.<br>&#8211; 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.<br>&#8211; After you have activated your coverage under this policy, subject to all other policy terms, your insurance will terminate on the date that:<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 &#8211; you return to your country of origin in the event of your death under Insured Service benefit \u201cExpenses related to death\u201d, or following emergency treatment of your medical condition under Insured Service benefit \u201cEmergency Air Transportation\u201d; or<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 &#8211; 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<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 &#8211; 21<sup>st<\/sup>\u00a0Century receives proof that you are eligible and covered under a Canadian government health insurance plan; or<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 &#8211; you return to your country of origin and submit a written request to cancel your policy<br>&#8211; 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:<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 &#8211; if there are more than 30 days between your termination date and expiry date, and<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 &#8211; 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<sup>st<\/sup>\u00a0Century will back-date a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request<br>Your written notification must include:<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 &#8211; a copy of your return airline tickets and stamped passport or a copy of your boarding pass, and<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 &#8211; 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.<br>&#8211; If your cancellation request is received more than 30 days following the date you returned to your country of origin, 21<sup>st<\/sup>\u00a0Century 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.<br>&#8211; All refunds are subject to approval by 21<sup>st<\/sup>\u00a0Century. 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.<br>&#8211; Once 21<sup>st<\/sup>\u00a0Century has received your cancellation request, expenses with a date of service after the termination date will not be considered for reimbursement.<br>&#8211; 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.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"claims\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-claims tb_bidb500 tf_w\">\n                        <div class=\"row_inner gutter-narrow col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_g6qh501 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_4sip501 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_77vy501 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_ntvo501   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>CLAIMS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_zehw519 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6ik2520 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_q1mj520   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><span style=\"color: #c40021;\">IN THE EVENT OF AN EMERGENCY, YOU MUST CALL THE ASSISTANCE CENTRE IMMEDIATELY:<strong>\u00a0<\/strong><strong>1-877-882-2957\u00a0<\/strong>toll-free from the USA and Canada. If unable to use the toll-free number, call collect to Canada:<strong>\u00a0+1 519-251-7856<\/strong>.\u00a0<\/span><br><span style=\"color: #c40021;\">Call prior to receiving any medical treatment. If you fail to contact the Assistance Centre within 24 hours, you will have to pay the first $100 of any medical expenses 21<sup>st<\/sup>\u00a0Century would normally pay per claim. This $100 is in addition to any deductible amount that you have selected at the time you purchased your coverage. Also, if you fail to call the Assistance Center within 24 hours of hospitalization, you will have to pay 20% of the medical expenses 21<sup>st<\/sup>\u00a0Century would normally pay under this insurance. If medically impossible for you to call,\u00a0please have someone call on your behalf.<\/span><\/p>\n<p><strong>To make a claim<\/strong>, 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:<br>21st Century Visitors Claims<br>c\/o Active Care Management<br>P.O. Box 1237, Stn A<br>Windsor, ON, N9A 6P8<br>For Online Claim Submission visit\u00a0<a title=\"\" href=\"\/\/manulife.acmtravel.ca\/\" target=\"_blank\" rel=\"noopener\">manulife.acmtravel.ca<\/a><br>&#8211; Claims must be reported within 30 days of occurrence.<br>&#8211; Written proof of claim must be submitted within 90 days of occurrence.<br>&#8211; To enquire about the status of your claim call 1-855-297-4379\u00a0from 8:00 AM to 8:00 PM ET.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"exclusions\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-exclusions tb_k424900 tf_w\">\n                        <div class=\"row_inner gutter-narrow col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_wzzo208 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_c8e8303 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_urjm958 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_m0a9105   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>EXCLUSIONS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_on8o009 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_arkh038 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_sokx097   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>21<sup>st<\/sup>\u00a0Century 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:<br>1. (Basic Plan) &#8211; any pre-existing medical condition;<br>1. (Enhanced and Standard Plans) &#8211;\u00a0any pre-existing medical condition:<br>\u00a0 \u00a0 \u00a0i) if you are age 55 or older and covered under the Standard rate category;<br>\u00a0 \u00a0\u00a0ii) other than a stable chronic condition if you are under age 55;<br>\u00a0 \u00a0iii) other than a stable chronic condition if you are age 55 to 85 and you were eligible to purchase and paid the required premium for the Enhanced Plan.<br>2. any sickness, disease or symptom that manifests before or during the\u00a0waiting period\u00a0even if related expenses are incurred after the\u00a0waiting period.<br>3. any sickness, disease, symptom, or injury:<br>\u00a0 \u00a0 \u00a0i) 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<br>\u00a0 \u00a0\u00a0ii) for which, prior to your effective date, it was reasonable to expect that you would need treatment during your trip; and\/or<br>\u00a0 \u00a0iii) for which future investigation or treatment was planned prior to your effective date; and\/or<br>\u00a0 \u00a0iv) 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<br>\u00a0 \u00a0\u00a0v) that had caused your physician to advise you not to travel; and\/or<br>\u00a0 \u00a0vi) 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 PG-1 VISA (Super Visa).<br>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.<br>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\u00a0hospital.<br>6. self-inflicted injury, suicide or attempted suicide; a criminal act or an attempt to commit a criminal act.<br>7. any sickness, injury or death related to your intoxication, the misuse, abuse, overdose, or chemical dependence on medication, drugs, alcohol, or other intoxicant.<br>8. an emergency resulting from:\u00a0mountain climbing\u00a0requiring the use of specialized equipment, including carabineers, crampons, pick axes, anchors, bolts and lead-rope or top-rope anchoring equipment to ascend or descend a mountain;\u00a0rock-climbing; parachuting, skydiving, hang-gliding\u00a0or using any other air-supported sporting device; participating in a\u00a0motorized speed contest; or your\u00a0professional participation in a sport, snorkeling or scuba-diving\u00a0when that sport, snorkeling or scuba-diving, is your principal paid occupation.<br>9. any<strong>\u00a0<\/strong>pregnancy\u00a0that commences prior to the effective date of this policy; your routine pre-natal care; your routine pregnancy or childbirth; complications of your pregnancy or childbirth when they happen in the\u00a09 weeks before or after the expected date of delivery; medical treatment or services provided to your child born during your Coverage Period.<br>10. the provision of insured services to children 30 days of age or younger.<br>11. an act of war or an act of terrorism when you are outside of Canada and covered under this insurance.<br>12. any treatment that is elective, cosmetic and not for an emergency and\/or general health examinations or services.<br>13. 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.<br>14. prescription drugs or medicines, treatment, appliances or devices provided to monitor or maintain a stable chronic condition.<br>15.\u00a0your\u00a0medical or health assessment or any form of report or document supporting an application to obtain immigrant status or extend\u00a0your\u00a0visa in Canada or any recommended\u00a0treatment\u00a0resulting from such health assessment.<br>16. any medical treatment or follow-up visit outside of Canada when the emergency occurred in Canada.<br>17. any loss resulting from\u00a0your minor mental or emotional disorder.\u00a0Minor mental or emotional disorder\u00a0means: having anxiety or panic attacks or being in an emotional state or in a stressful situation. A\u00a0minor mental or emotional disorder<strong>\u00a0<\/strong>is one where\u00a0your treatment<strong>\u00a0<\/strong>includes only minor tranquilizers or minor antianxiety medication (anxiolytics) or no prescribed medication at all.<br>18. any emergency that occurs or recurs after 21<sup>st<\/sup>\u00a0Century\u2019s medical advisors recommend that you return to your country of origin and you choose not to. (See Loss of Coverage in policy wording).<br>19. 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 for exception\u00a0Enhanced and Standard plan only)<br>20. any medical condition you suffer or contract in a specific country, region or city outside of Canada, while covered under the &#8220;Side-Trips Outside of Canada&#8221; 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 against all or non-essential 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.<br>21. any medical treatment once you become eligible and\/or covered under a Canadian government health insurance plan.<br>22. covered expenses that exceed 80% of those 21st Century would normally pay, if you do not contact the Assistance Centre within 24 hours of\u00a0hospitalization\u00a0unless\u00a0your\u00a0medical condition makes it impossible for\u00a0you\u00a0to call. If your medical condition makes it medically impossible for you to call, please have someone call on your behalf.<br>23. your failure to follow a recommended or prescribed therapy or treatment.<br>24. Any expenses arising from any sickness, disease, symptom or injury that presented, recurred or was treated during any suspension of coverage during a Side-Trip Outside of Canada.<\/p>\n<p>Note: Each time\u00a0you\u00a0purchase another policy from\u00a021<sup>st<\/sup>\u00a0Century, each new policy will have a new\u00a0effective date\u00a0even if\u00a0you\u00a0are continuing the same visit to Canada (or other country covered under the Side-Trips Outside of Canada provision).<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"rates\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-rates tb_wqic970 tf_w\">\n                        <div class=\"row_inner gutter-narrow col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_p1xh079 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_9os3977 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_v3wa944 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_8ncz687   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>RATES:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_71sv700 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_rowz407 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_emfj907   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2 id=\"tablepress-3-name\" class=\"tablepress-table-name tablepress-table-name-id-3\">Table 1 - Stable Chronic Condition Coverage<\/h2>\n\n<table id=\"tablepress-3\" class=\"tablepress tablepress-id-3\" aria-labelledby=\"tablepress-3-name\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Age\/Sum<br \/>\n<\/th><th class=\"column-2\">$15,000<\/th><th class=\"column-3\">$25,000<\/th><th class=\"column-4\">$50,000<\/th><th class=\"column-5\">$100,000<\/th><th class=\"column-6\">$150,000<\/th><th class=\"column-7\">$200,000<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">0-25<\/td><td class=\"column-2\">$2.30<\/td><td class=\"column-3\">$2.45<\/td><td class=\"column-4\">$2.75<\/td><td class=\"column-5\">$3.68<\/td><td class=\"column-6\">$4.30<\/td><td class=\"column-7\">$5.80<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">26-34<br \/>\n<\/td><td class=\"column-2\">$2.48<\/td><td class=\"column-3\">$2.65<\/td><td class=\"column-4\">$2.98<\/td><td class=\"column-5\">$3.94<\/td><td class=\"column-6\">$4.80\t<\/td><td class=\"column-7\">$6.43<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">35-39<\/td><td class=\"column-2\">$2.59<\/td><td class=\"column-3\">$2.70<\/td><td class=\"column-4\">$3.00<\/td><td class=\"column-5\">$4.20<\/td><td class=\"column-6\">$5.00\t<\/td><td class=\"column-7\">$6.57<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">40-54<\/td><td class=\"column-2\">$2.75<\/td><td class=\"column-3\">$3.13<\/td><td class=\"column-4\">$3.57<\/td><td class=\"column-5\">$5.15<\/td><td class=\"column-6\">$6.15\t<\/td><td class=\"column-7\">$7.98<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">55-59<\/td><td class=\"column-2\">$3.00<\/td><td class=\"column-3\">$3.20<\/td><td class=\"column-4\">$3.72<\/td><td class=\"column-5\">$5.45\t<\/td><td class=\"column-6\">$6.55\t<\/td><td class=\"column-7\">$8.51<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">60-64<\/td><td class=\"column-2\">$3.76<\/td><td class=\"column-3\">$4.15<\/td><td class=\"column-4\">$5.05<\/td><td class=\"column-5\">$6.50<\/td><td class=\"column-6\">$7.70\t <\/td><td class=\"column-7\">$9.20<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">65-69<\/td><td class=\"column-2\">$4.40<\/td><td class=\"column-3\">$4.90<\/td><td class=\"column-4\">$5.77<\/td><td class=\"column-5\">$7.73\t<\/td><td class=\"column-6\">$8.90\t <\/td><td class=\"column-7\">$10.90<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">70-74<br \/>\n<\/td><td class=\"column-2\">$6.50<\/td><td class=\"column-3\">$7.20<\/td><td class=\"column-4\">$8.83<\/td><td class=\"column-5\">$11.10<\/td><td class=\"column-6\">$12.40\t<\/td><td class=\"column-7\">$17.60<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">75-79<br \/>\n<\/td><td class=\"column-2\">$7.70<\/td><td class=\"column-3\">$8.80<\/td><td class=\"column-4\">$11.59<\/td><td class=\"column-5\">$13.80<\/td><td class=\"column-6\">$15.32\t <\/td><td class=\"column-7\">$20.00<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">80-85<\/td><td class=\"column-2\">$10.70<\/td><td class=\"column-3\">$12.50<\/td><td class=\"column-4\">$14.71<\/td><td class=\"column-5\">$17.25\t<\/td><td class=\"column-6\">$22.26\t <\/td><td class=\"column-7\">$28.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-3 from cache -->    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_nmff908 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_prkn577 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_15xv080   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>\u00a0 \u00a0&#8211; Applicants ages 55 to 85 who wish to purchase Enhanced Plan must complete\u00a0<a href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_medical_questionnaire.pdf\" target=\"_blank\" rel=\"noopener\">the Medical Declaration<\/a>\u00a0to determine eligibility for coverage.<br>\u00a0 \u00a0&#8211; Minimum policy premium is $25.00.<br>\u00a0 \u00a0&#8211; Family rate &#8211; is twice the older adult rate.\u00a0<strong>Family<\/strong>\u00a0is 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\u00a0and visiting Canada with them.<br>\u00a0 \u00a0&#8211; Travel Companion Savings of 5% applies to each traveller purchasing this coverage and travelling together. Travel Companions Savings cannot be applied to Family Rates.<br>\u00a0 \u00a0&#8211; 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.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_8g52493 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_oeti493 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_z2r2494   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2 id=\"tablepress-5-name\" class=\"tablepress-table-name tablepress-table-name-id-5\">Table 2 - No Stable Chronic Condition Coverage<\/h2>\n\n<table id=\"tablepress-5\" class=\"tablepress tablepress-id-5\" aria-labelledby=\"tablepress-5-name\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Aggregate policy limit per person<\/th><th class=\"column-2\">Age 55 to 59<\/th><th class=\"column-3\">Age 60 to 64<\/th><th class=\"column-4\">Age 65 to 69<\/th><th class=\"column-5\">Age 70 to 74<\/th><th class=\"column-6\">Age 75 to 79<\/th><th class=\"column-7\">Age 80 to 85<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">$15,000<\/td><td class=\"column-2\">$2.30<\/td><td class=\"column-3\">$3.00<\/td><td class=\"column-4\">$3.50<\/td><td class=\"column-5\">$5.50\t<\/td><td class=\"column-6\">$6.80\t<\/td><td class=\"column-7\">$9.17<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">$25,000<\/td><td class=\"column-2\">$2.75<\/td><td class=\"column-3\">$3.70<\/td><td class=\"column-4\">$4.25<\/td><td class=\"column-5\">$5.90<\/td><td class=\"column-6\">$7.00<\/td><td class=\"column-7\">$10.60<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">$50,000<\/td><td class=\"column-2\">$3.20<\/td><td class=\"column-3\">$4.36<\/td><td class=\"column-4\">$5.10<\/td><td class=\"column-5\">$7.80<\/td><td class=\"column-6\">$9.95<\/td><td class=\"column-7\">$12.00<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">$100,000<\/td><td class=\"column-2\">$4.40\t<\/td><td class=\"column-3\">$5.25<\/td><td class=\"column-4\">$6.60\t<\/td><td class=\"column-5\">$9.45<\/td><td class=\"column-6\">$11.95<\/td><td class=\"column-7\">$13.76<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">$150,000<\/td><td class=\"column-2\">$5.50<\/td><td class=\"column-3\">$6.40<\/td><td class=\"column-4\">$7.40<\/td><td class=\"column-5\">$11.00<\/td><td class=\"column-6\">$13.75<\/td><td class=\"column-7\">$19.58<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">$250,000<\/td><td class=\"column-2\">$6.45<\/td><td class=\"column-3\">$7.30<\/td><td class=\"column-4\">$8.60<\/td><td class=\"column-5\">$14.10\t<\/td><td class=\"column-6\">$16.40<\/td><td class=\"column-7\">$23.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-5 from cache -->    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_h31h354 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_rg2t354 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_nep0355   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2 id=\"tablepress-7-name\" class=\"tablepress-table-name tablepress-table-name-id-7\">Table 3 Basic Plan - No Stable Chronic Condition Coverage Single Rates<\/h2>\n\n<table id=\"tablepress-7\" class=\"tablepress tablepress-id-7\" aria-labelledby=\"tablepress-7-name\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Age\/Sum<br \/>\n<\/th><th class=\"column-2\">$15,000<\/th><th class=\"column-3\">$25,000<\/th><th class=\"column-4\">$50,000<\/th><th class=\"column-5\">$100,000<\/th><th class=\"column-6\">$150,000<\/th><th class=\"column-7\">$200,000<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">0-25<\/td><td class=\"column-2\">$1.50<\/td><td class=\"column-3\">$1.60<\/td><td class=\"column-4\">$1.75<\/td><td class=\"column-5\">$2.30<\/td><td class=\"column-6\">$14.50<\/td><td class=\"column-7\">$3.75<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">26-34<br \/>\n<\/td><td class=\"column-2\">$1.60\t<\/td><td class=\"column-3\">$1.70<\/td><td class=\"column-4\">$1.85<\/td><td class=\"column-5\">$2.58<\/td><td class=\"column-6\">$3.15<\/td><td class=\"column-7\">$4.30<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">35-39<\/td><td class=\"column-2\">$1.70<\/td><td class=\"column-3\">$1.80<\/td><td class=\"column-4\">$2.00\t<\/td><td class=\"column-5\">$2.75<\/td><td class=\"column-6\">$3.15<\/td><td class=\"column-7\">$4.40<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">40-54<\/td><td class=\"column-2\">$1.80<\/td><td class=\"column-3\">$2.00<\/td><td class=\"column-4\">$2.30<\/td><td class=\"column-5\">$3.35<\/td><td class=\"column-6\">$4.05\t<\/td><td class=\"column-7\">$5.25<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">55-59<\/td><td class=\"column-2\">$2.00<\/td><td class=\"column-3\">$2.15<\/td><td class=\"column-4\">$2.48<\/td><td class=\"column-5\">$3.65<\/td><td class=\"column-6\">$4.35\t<\/td><td class=\"column-7\">$5.65<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">60-64<\/td><td class=\"column-2\">$2.50<\/td><td class=\"column-3\">$2.80<\/td><td class=\"column-4\">$3.35<\/td><td class=\"column-5\">$4.30<\/td><td class=\"column-6\">$5.10\t<\/td><td class=\"column-7\">$6.25<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">65-69<\/td><td class=\"column-2\">$2.90<\/td><td class=\"column-3\">$3.25<\/td><td class=\"column-4\">$3.85<\/td><td class=\"column-5\">$5.05<\/td><td class=\"column-6\">$5.90\t<\/td><td class=\"column-7\">$7.50<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">70-74<br \/>\n<\/td><td class=\"column-2\">$4.25<\/td><td class=\"column-3\">$4.75<\/td><td class=\"column-4\">$5.70<\/td><td class=\"column-5\">$7.20<\/td><td class=\"column-6\">$8.25\t<\/td><td class=\"column-7\">$12.00<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">75-79<br \/>\n<\/td><td class=\"column-2\">$5.00<\/td><td class=\"column-3\">$5.50<\/td><td class=\"column-4\">$7.30<\/td><td class=\"column-5\">$8.90<\/td><td class=\"column-6\">$10.25<\/td><td class=\"column-7\">$13.50 <\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">80-85<\/td><td class=\"column-2\">$6.90<\/td><td class=\"column-3\">$7.95<\/td><td class=\"column-4\">$9.30<\/td><td class=\"column-5\">$10.80<\/td><td class=\"column-6\">$14.50\t<\/td><td class=\"column-7\">$18.85 <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">86 &amp; over<\/td><td class=\"column-2\">$10.00<\/td><td class=\"column-3\">$12.50<\/td><td class=\"column-4\"> $13.50<\/td><td class=\"column-5\">$14.50<\/td><td class=\"column-6\"> $18.00<\/td><td class=\"column-7\">$25.00 <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-7 from cache -->    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_1psc374 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_8itw375 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_qeci375   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"font-weight: 400;\">The Basic Plan is a reduced benefit plan with NO coverage for pre-existing medical conditions.<\/p>\n<p style=\"font-weight: 400;\"><strong>Basic Plan vs. Enhanced and Standard Plans:<br><\/strong>\u00a0 \u00a0\u2022 Pre-existing conditions look back period is Lifetime for the Basic Plan (vs. 180 days for Enhanced and Standard Plans)<br>\u00a0 \u00a0\u2022 Accidental Death and Dismemberment is NOT included in the Basic Plan<br>\u00a0 \u00a0\u2022 Dental Accident is not included in the Basic Plan<br>\u00a0 \u00a0\u2022 Dental Emergencies are not included in the Basic Plan<br>\u00a0 \u00a0\u2022 90-Day Provision (reinstates benefits in certain circumstances after a claim) is NOT included in the Basic Plan<br>\u00a0 \u00a0\u2022 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)<br>\u00a0 \u00a0\u2022 No coverage for the following health care practitioners: chiropodist, osteopath, podiatrist for the Basic Plan holders<br>\u00a0 \u00a0\u2022 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).<br>\u00a0 \u00a0\u2022 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.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_edn9939 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_ygl4939 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_ku3f939   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2 id=\"tablepress-6-name\" class=\"tablepress-table-name tablepress-table-name-id-6\">RATE TABLE GUIDE:<\/h2>\n\n<table id=\"tablepress-6\" class=\"tablepress tablepress-id-6\" aria-labelledby=\"tablepress-6-name\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Age<\/th><th class=\"column-2\">Stable Chronic Condition Option<\/th><th class=\"column-3\">Medical Declaration Required?<\/th><th class=\"column-4\">Premium Table<\/th><th class=\"column-5\">Deductible Amount<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Under 60<\/td><td class=\"column-2\">Automatically Included<\/td><td class=\"column-3\">No<\/td><td class=\"column-4\">Table 1<\/td><td class=\"column-5\">$50.00<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">60-85<\/td><td class=\"column-2\">If Option Waived<\/td><td class=\"column-3\">No<\/td><td class=\"column-4\">Table 2<\/td><td class=\"column-5\">$50.00<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">60-85<\/td><td class=\"column-2\">If Option Purchased<\/td><td class=\"column-3\">Yes<\/td><td class=\"column-4\">Table 1<\/td><td class=\"column-5\">$50.00<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">86 plus<\/td><td class=\"column-2\">Not Available<\/td><td class=\"column-3\">Yes *<\/td><td class=\"column-4\">Table 2<\/td><td class=\"column-5\">$500.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-6 from cache -->    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bogh345 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_k3um345 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_87ke345   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"font-weight: 400;\">\u00a0* Family Rates are not available under the Standard Plan and ALL APPLICANTS must select the same Plan.<\/p>\n<p style=\"font-weight: 400;\"><strong>DEDUCTIBLES:<\/strong>\u00a0<br>All deductibles on the Enhanced and Standard Plans except for the Disappearing Deductible are per person per policy.<br>The Disappearing Deductible is per person, per sickness-related claim.<br>All deductibles on the Basic Plan are per person, per claim.\u00a0<br>NOTE: Regardless of the deductible selected, if you do not report a claim within 24 hours, you will be responsible for the first $100 of any medical expenses. This $100 is in addition to any deductible amount<\/p>\n<p style=\"font-weight: 400;\">\u00a0<\/p>\n<p style=\"font-weight: 400;\"><strong>What is the Disappearing Deductible option?\u00a0<\/strong>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\u00a0<strong>$2,500 deductible\u00a0<\/strong>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 (\u201cdisappears\u201d) and eligible expenses will be reimbursed from the first dollar.<br>For injury-related claims, the deductible is waived for applicants who purchase the Disappearing Deductible option.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_3w1g900 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_dhxx900 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_zxh5901   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"font-weight: 400;\"><strong>IMPORTANT NOTE:<\/strong> 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.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"downloads\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-downloads tb_s78i278 tf_w\">\n                        <div class=\"row_inner gutter-narrow col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_s31o960 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_c4lt060 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_07af060 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_bui0201   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>DOWNLOADS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_yd0z090 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_hrmj099 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_jhfv977   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <ul>\n<li>\n<p><a href=\"\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/09\/21st_century_visitors_policy.pdf\">21st Century ENHANCED Plan and STANDARD Plan Policy PDF<\/a><\/p>\n<\/li>\n<li>\n<p><a title=\"\" href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_visitors_policy.pdf\" target=\"_blank\" rel=\"noopener\">21st Century Travel Insurance Inc.<br>Visitors Insurance Policy PDF<\/a><\/p>\n<\/li>\n<li><a title=\"\" href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_visitors_claim_form.pdf\" target=\"_blank\" rel=\"noopener\">21st Century Travel Insurance Inc.<br>Visitors Claim Form PDF<\/a><\/li>\n<li><a title=\"\" href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_medical_questionnaire.pdf\" target=\"_blank\" rel=\"noopener\">21st Century Travel Insurance Inc.<br>Medical Declaration PDF<\/a><\/li>\n<\/ul>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Benefits Claims Exclusions Rates Downloads Call for a quote Administrated by: 21st Century Visitors Insurance Underwritten by: The Manufactures Life Insurance Company (Manulife Financial). 24 hours Assistance Center: Active Care Management. BENEFITS: &#8211; Maximum Benefits:\u00a0$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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"page-group":[],"class_list":["post-452","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":{"pageTitle":"","pageDescription":"","keywords":"","redirectto":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>21st Century Visitors Insurance | Canadian Travellers Insurance<\/title>\n<meta name=\"description\" content=\"Secure your stay in Canada with 21st Century Visitors Insurance, offering emergency medical coverage up to $200,000, including hospital stays, diagnostics, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"21st Century Visitors Insurance | Canadian Travellers Insurance\" \/>\n<meta property=\"og:description\" content=\"Secure your stay in Canada with 21st Century Visitors Insurance, offering emergency medical coverage up to $200,000, including hospital stays, diagnostics, and more.\" \/>\n<meta property=\"og:url\" content=\"\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Canadian Travellers Insurance\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-06T19:44:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2415\" \/>\n\t<meta property=\"og:image:height\" content=\"902\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"25 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/\",\"url\":\"\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/\",\"name\":\"21st Century Visitors Insurance | Canadian Travellers 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minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/","url":"\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/","name":"21st Century Visitors Insurance | Canadian Travellers Insurance","isPartOf":{"@id":"https:\/\/www.travellersinsurance.ca\/#website"},"datePublished":"2022-07-19T15:38:57+00:00","dateModified":"2022-09-06T19:44:19+00:00","description":"Secure your stay in Canada with 21st Century Visitors Insurance, offering emergency medical coverage up to $200,000, including hospital stays, diagnostics, and more.","breadcrumb":{"@id":"\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/"]}]},{"@type":"BreadcrumbList","@id":"\/\/www.travellersinsurance.ca\/21st-century-visitors-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.travellersinsurance.ca\/"},{"@type":"ListItem","position":2,"name":"21st Century Visitors Insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.travellersinsurance.ca\/#website","url":"https:\/\/www.travellersinsurance.ca\/","name":"Canadian Travellers Insurance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.travellersinsurance.ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"builder_content":"<img src=\"\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1024x382-300x112.png\" width=\"300\" height=\"112\" title=\"c2.png 1\" alt=\"c2.png 1\" srcset=\"https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1024x382-300x112.png 300w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1024x382.png 1024w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-768x287.png 768w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1536x574.png 1536w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-2048x765.png 2048w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/07\/c2.png-1-1024x382-400x149.png 400w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\n<ul id=\"menu-insurance-1\"><li><a href=\"#benefits\">Benefits<\/a><\/li> <li><a href=\"#claims\">Claims<\/a><\/li> <li><a href=\"#exclusions\">Exclusions<\/a><\/li> <li><a href=\"#rates\">Rates<\/a><\/li> <li><a href=\"#downloads\">Downloads<\/a><\/li> <\/ul>\n<a href=\"tel:1-877-838-0020\" target=\"_blank\" rel=\"noopener\"> Call for a quote <\/a>\n<em style=\"color:#c40021\"><svg aria-hidden=\"true\"><use href=\"#tf-fas-user-cog\"><\/use><\/svg><\/em> \n <h3> Administrated by: <\/h3> <p>21st Century Visitors Insurance<\/p>\n<em style=\"color:#c40021\"><svg aria-hidden=\"true\"><use href=\"#tf-fas-file-signature\"><\/use><\/svg><\/em> \n <h3> Underwritten by: <\/h3> <p>The Manufactures Life Insurance Company (Manulife Financial).<\/p>\n<em style=\"color:#c40021\"><svg aria-hidden=\"true\"><use href=\"#tf-fas-headset\"><\/use><\/svg><\/em> \n <h3> 24 hours Assistance Center: <\/h3> <p>Active Care Management.<\/p>\n\n<h4>BENEFITS:<\/h4>\n<p><strong>- Maximum Benefits:<\/strong>\u00a0$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)<br><strong>\u00a0 - Emergency hospital:\u00a0<\/strong>semi-private room or intensive care unit when medically necessary.<br><strong>\u00a0 - Ambulance Transportation:\u00a0<\/strong>the use of a licensed local ambulance service.<br><strong>\u00a0 - Emergency Air Transportation:<\/strong>\u00a0the cost for one-way economy airfare, stretcher or\u00a0<strong>air ambulance<\/strong>\u00a0to transport you to your country of origin, and a medical attendant if required. *<br>\u00a0 -\u00a0<strong>Diagnostics:\u00a0<\/strong>tests that are needed to diagnose or find out more about your condition. **<br><strong>\u00a0 - Physician\u00a0<\/strong>services.<br><strong>\u00a0 - Private duty registered nursing<\/strong>\u00a0or licensed home care providers. *<br><strong>\u00a0 - Medical Appliances<\/strong>\u00a0- rental of crutches, hospital bed, splints, trusses, braces or other prosthetic devices, up to\u00a0<strong>$5,000<\/strong>.<strong>\u00a0<br>\u00a0 - Follow up visits<\/strong>\u00a0are covered until the attending physician, or 21<sup>st<\/sup>\u00a0Century declares the end of the medical emergency\u00a0 \u00a0 \u00a0 \u00a0<br>(Basic Plan is limited to only one follow-up during period of coverage).<br><strong>\u00a0 - Professional Medical Services<\/strong>\u00a0referred by a physician - treatment provided by a licensed acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist or podiatrist up to a maximum of\u00a0<strong>$1,000\u00a0<\/strong>per insured<br>(Basic Plan is limited to service from acupuncturist, chiropractor and physiotherapist).\u00a0<br><strong>\u00a0 - Telemedicine service by StandByMD (Maple)<\/strong>\u00a0\u2013\u00a024\/7 days medical consultation service that connects\u00a0you\u00a0within 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.<br><strong>\u00a0 - Prescription drugs<\/strong>\u00a0or medicines up to<strong>\u00a0$500<\/strong>\u00a0and not exceeding a 30-day supply.<br><strong>\u00a0 - Emergency Dental\u00a0<\/strong>(Enhanced and Standard Plans only)<strong>:\u00a0<\/strong>up to\u00a0<strong>$300<\/strong>\u00a0for relief of acute dental pain.<br><strong>\u00a0 - Accidental Dental\u00a0<\/strong>(Enhanced and Standard Plans only)<strong>:<\/strong>\u00a0Up to\u00a0<strong>$4,000<\/strong>\u00a0for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.<br><strong>\u00a0 -\u00a0Expenses related to death\u00a0<\/strong>from covered medical condition\u00a0<strong>-\u00a0<\/strong>up\u00a0to\u00a0<strong>$7,500<\/strong>\u00a0for combined cost of\u00a0preparing and transportation of the body to your place of burial or\u00a0for cremation and\/or burial at the place of death. The cost of a coffin or urn is not covered. *<br><strong>\u00a0 - Accidental Death and Dismemberment\u00a0<\/strong>(Enhanced and Standard Plans only)\u00a0<strong>\u2013\u00a0<\/strong>up to<strong>\u00a0$25,000\u00a0<\/strong>(in excess of the aggregate policy limit).<br><strong>\u00a0 - Re-occurrence of already claimed medical condition<\/strong>\u00a0(Enhanced and Standard Plans only) if in the 90-days prior to that subsequent emergency this condition was stable (see 90-Day Provision exception).<br><strong>\u00a0 - Flight to\/from Canada coverage<\/strong>\u00a0will be provided with no additional premium during your uninterrupted flight directly to and from Canada, when coverage is purchased\u00a0<strong>prior to leaving your country of origin<\/strong>\u00a0with an effective date equal to the date and time you are scheduled to arrive in Canada, and\u00a0prior to leaving Canada\u00a0to return to your country of origin with an expiry date equal to the date and time you are scheduled to leave Canada. An\u00a0<strong>uninterrupted flight<\/strong>\u00a0shall include a stop-over provided you do not leave the airport.<\/p> <p>* These benefits must be authorized and arranged by the Assistance Centre.<br>** 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.<\/p>\n\n<h4>ELIGIBILITY:<\/h4>\n<p style=\"font-weight: 400;\">You are not eligible for coverage under this policy if:<br>\u00a0 \u00a0- you are travelling against the advice of a physician;<br>\u00a0 \u00a0- you have been diagnosed with a terminal illness with less than two (2) years to live;<br>\u00a0 \u00a0- 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);<br>\u00a0 \u00a0- you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);<br>\u00a0 \u00a0- you have a kidney condition requiring dialysis;\u00a0<br>\u00a0 \u00a0- you have used home oxygen during the 12 months prior to the date of application; and\/or<br>\u00a0 \u00a0- you reside in a nursing home, other long term care facility or rehabilitation centre.<\/p> <p style=\"font-weight: 400;\"><strong>WAITING PERIOD for sickness:<br><\/strong>\u00a0 \u00a0- No waiting period if the insurance is purchased or activated prior to your arrival in Canada or the same policy has been extended.<br>\u00a0 \u00a0- 72 hours if the policy is purchased\u00a0<strong>within<\/strong>\u00a030 days of your arrival in Canada (age 0 to 85).<br>\u00a0 \u00a0- 7 days if the policy is purchased\u00a0<strong>after<\/strong>\u00a030 days of your arrival in Canada (age 0 to 85).<br>\u00a0 \u00a0-\u00a0If age 86 or older, the waiting period is 15 days for Basic Plan<br>Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period.<br><strong>A waiting period will apply if you:<br><\/strong>\u00a0 \u00a0 -\u00a0purchase this policy after your arrival date; or<br>\u00a0 \u00a0\u00a0- you have already arrived and request a date change to an earlier effective date; or<br>\u00a0 \u00a0 -\u00a0decrease your deductible amount or change from a 21st Century plan that does not cover stable\u00a0pre-existing medical conditions<strong>\u00a0<\/strong>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.<br>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 21<sup>st<\/sup>\u00a0Century.\u00a0<\/p> <p style=\"font-weight: 400;\"><strong>Enhanced Plan - coverage for stable pre-existing medical conditions<br><\/strong>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 \u201cNo\u201d to all questions on\u00a0<a href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_medical_questionnaire.pdf\">the Medical Declaration<\/a>\u00a0and paid the appropriate premium. If\u00a0you\u00a0are\u00a0age\u00a055 to 85 and answered \u201cYes\u201d to any\u00a0question on\u00a0<a href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_medical_questionnaire.pdf\">the Medical Declaration<\/a>, you are eligible to purchase the Standard Plan\u00a0(that excludes\u00a0pre-existing medical conditions).<br>Applicants age 86 and over are not eligible for Enhanced or Standard plans.<br><strong>\"Stable Chronic Condition\"\u00a0<\/strong>means a pre-existing medical\u00a0condition for which, in the\u00a0<strong>180 days\u00a0<\/strong>prior to your effective date of insurance:<br>\u00a0 - there have been no new symptoms or change in symptoms; and<br>\u00a0 - existing symptoms have not become more frequent or severe; and<br>\u00a0 - a physician has not found that the medical condition has become worse;<br>\u00a0 - no test findings have shown that the medical condition may be getting worse; and<br>\u00a0 - a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and<br>\u00a0 - a physician has not provided, prescribed, or recommended any new treatment, or any change in treatment; and<br>\u00a0 - there has been no hospitalization or referral to a specialist or specialty clinic; and<br>\u00a0 - 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.<br><strong>Change in medication\u00a0<\/strong>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.<br>21st Century will not cover any\u00a0heart condition\u00a0if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.<br>21st Century will not cover any\u00a0lung condition\u00a0if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition.<strong>\u00a0<\/strong><\/p> <p style=\"font-weight: 400;\"><strong>90-Day Provision\u00a0<\/strong>(Enhanced and Standard Plans only)<strong>:<\/strong>\u00a0If 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\u00a0will be covered again in the event of a subsequent emergency if, in the 90-days prior to that subsequent emergency:<br>\u00a0 \u00a0- you have not had any recurrence, new symptom(s) or any complications;<br>\u00a0 \u00a0- existing symptom(s) have not become more frequent or severe;<br>\u00a0 \u00a0- a physician has not determined that your medical condition has become worse;<br>\u00a0 \u00a0- no test findings have shown that your medical condition may be getting worse;<br>\u00a0 \u00a0- a physician has not provided, prescribed, or recommended any new medication, or any change\u00a0in medication;<br>\u00a0 \u00a0- a physician has not provided, prescribed, or\u00a0recommended any new treatment, or any change in treatment;\u00a0<br>\u00a0 \u00a0- there has been no hospitalization or referral to a\u00a0specialist or specialty clinic;<br>\u00a0 \u00a0- a physician has not advised referral to a specialist or further testing; and<br>\u00a0 \u00a0- there has been no testing for which results have not yet\u00a0been received.<\/p>\n\n<h4>EXTENTIONS:<\/h4>\n<p>If you\u00a0are purchasing coverage to extend\u00a0your\u00a0trip,\u00a0you\u00a0will receive a new\u00a0policy\u00a0with\u00a0policy terms\u00a0starting on the\u00a0effective date\u00a0stated on\u00a0your policy confirmation.<br>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.<\/p> <p><strong>SIDE TRIPS:<\/strong><br>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.\u00a0If 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.<br>Proof of all travel dates will be required in the event of a claim.<\/p> <p>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.<\/p>\n\n<h4>REFUNDS:<\/h4>\n<p>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\u00a0can cancel\u00a0your\u00a0insurance and obtain a partial refund of the unused premium amount when\u00a0you\u00a0provide proof that\u00a0you\u00a0are covered under a\u00a0government health insurance plan; or with proof of return to\u00a0your country of origin\u00a0provided that there has been no claim paid or denied. If\u00a0you\u00a0are applying for a partial refund and a claim has been paid or denied,\u00a0you\u00a0may 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.\u00a0<strong>Your\u00a0<\/strong><strong>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<\/strong>. In no event will\u00a021<sup>st<\/sup>\u00a0Century\u00a0backdate a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request. If\u00a0your\u00a0cancellation request is received more than 30 days\u00a0following the date\u00a0you\u00a0returned to\u00a0your country of origin, 21<sup>st<\/sup>\u00a0Century\u00a0will require a copy of every page of\u00a0your\u00a0passport to\u00a0verify that\u00a0you\u00a0did not visit Canada between the date\u00a0you\u00a0returned to\u00a0your country of origin\u00a0and the date\u00a0you\u00a0submitted\u00a0your\u00a0cancellation request. If\u00a0you\u00a0leave Canada\u00a0but spend time in a country covered under the Side-Trips\u00a0Outside of Canada provision,\u00a0you\u00a0must advise\u00a021<sup>st<\/sup>\u00a0Century\u00a0prior to exiting Canada if\u00a0you\u00a0do not want to be covered in\u00a0that other country. Failure to notify\u00a021<sup>st<\/sup>\u00a0Century\u00a0prior to\u00a0your exit date may result in premium being retained to\u00a0cover all or part of that side trip.<br>All refunds are subject to approval by\u00a021<sup>st<\/sup>\u00a0Century. Refunds\u00a0will be credited to the same credit card used to charge the\u00a0premium.<br>In addition, a $25 policy administration fee will be applied\u00a0to any refund or cancellation.<br>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.<\/p> <p><strong>REFUNDS for Monthly Payment Option plan:<br><\/strong>- 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<sup>st<\/sup>\u00a0Century will refund any premium paid. Proof of the denial or withdrawal of your application for a visa must be provided to 21<sup>st<\/sup>\u00a0Century\u00a0with your written request for a refund.<br>- 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<sup>st<\/sup>\u00a0Century 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.<br>- 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.<br>- 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.<br>- After you have activated your coverage under this policy, subject to all other policy terms, your insurance will terminate on the date that:<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 - you return to your country of origin in the event of your death under Insured Service benefit \u201cExpenses related to death\u201d, or following emergency treatment of your medical condition under Insured Service benefit \u201cEmergency Air Transportation\u201d; or<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 - 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<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 - 21<sup>st<\/sup>\u00a0Century receives proof that you are eligible and covered under a Canadian government health insurance plan; or<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 - you return to your country of origin and submit a written request to cancel your policy<br>- 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:<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 - if there are more than 30 days between your termination date and expiry date, and<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 - 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<sup>st<\/sup>\u00a0Century will back-date a cancellation to a date more than 60 days prior to the date of receipt of your cancellation request<br>Your written notification must include:<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 - a copy of your return airline tickets and stamped passport or a copy of your boarding pass, and<br>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 - 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.<br>- If your cancellation request is received more than 30 days following the date you returned to your country of origin, 21<sup>st<\/sup>\u00a0Century 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.<br>- All refunds are subject to approval by 21<sup>st<\/sup>\u00a0Century. 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.<br>- Once 21<sup>st<\/sup>\u00a0Century has received your cancellation request, expenses with a date of service after the termination date will not be considered for reimbursement.<br>- 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.<\/p>\n\n<h4>CLAIMS:<\/h4>\n<p>IN THE EVENT OF AN EMERGENCY, YOU MUST CALL THE ASSISTANCE CENTRE IMMEDIATELY:<strong>\u00a0<\/strong><strong>1-877-882-2957\u00a0<\/strong>toll-free from the USA and Canada. If unable to use the toll-free number, call collect to Canada:<strong>\u00a0+1 519-251-7856<\/strong>.\u00a0<br>Call prior to receiving any medical treatment. If you fail to contact the Assistance Centre within 24 hours, you will have to pay the first $100 of any medical expenses 21<sup>st<\/sup>\u00a0Century would normally pay per claim. This $100 is in addition to any deductible amount that you have selected at the time you purchased your coverage. Also, if you fail to call the Assistance Center within 24 hours of hospitalization, you will have to pay 20% of the medical expenses 21<sup>st<\/sup>\u00a0Century would normally pay under this insurance. If medically impossible for you to call,\u00a0please have someone call on your behalf.<\/p> <p><strong>To make a claim<\/strong>, 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:<br>21st Century Visitors Claims<br>c\/o Active Care Management<br>P.O. Box 1237, Stn A<br>Windsor, ON, N9A 6P8<br>For Online Claim Submission visit\u00a0<a title=\"\" href=\"\/\/manulife.acmtravel.ca\/\" target=\"_blank\" rel=\"noopener\">manulife.acmtravel.ca<\/a><br>- Claims must be reported within 30 days of occurrence.<br>- Written proof of claim must be submitted within 90 days of occurrence.<br>- To enquire about the status of your claim call 1-855-297-4379\u00a0from 8:00 AM to 8:00 PM ET.<\/p>\n\n<h4>EXCLUSIONS:<\/h4>\n<p>21<sup>st<\/sup>\u00a0Century 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:<br>1. (Basic Plan) - any pre-existing medical condition;<br>1. (Enhanced and Standard Plans) -\u00a0any pre-existing medical condition:<br>\u00a0 \u00a0 \u00a0i) if you are age 55 or older and covered under the Standard rate category;<br>\u00a0 \u00a0\u00a0ii) other than a stable chronic condition if you are under age 55;<br>\u00a0 \u00a0iii) other than a stable chronic condition if you are age 55 to 85 and you were eligible to purchase and paid the required premium for the Enhanced Plan.<br>2. any sickness, disease or symptom that manifests before or during the\u00a0waiting period\u00a0even if related expenses are incurred after the\u00a0waiting period.<br>3. any sickness, disease, symptom, or injury:<br>\u00a0 \u00a0 \u00a0i) 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<br>\u00a0 \u00a0\u00a0ii) for which, prior to your effective date, it was reasonable to expect that you would need treatment during your trip; and\/or<br>\u00a0 \u00a0iii) for which future investigation or treatment was planned prior to your effective date; and\/or<br>\u00a0 \u00a0iv) 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<br>\u00a0 \u00a0\u00a0v) that had caused your physician to advise you not to travel; and\/or<br>\u00a0 \u00a0vi) 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 PG-1 VISA (Super Visa).<br>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.<br>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\u00a0hospital.<br>6. self-inflicted injury, suicide or attempted suicide; a criminal act or an attempt to commit a criminal act.<br>7. any sickness, injury or death related to your intoxication, the misuse, abuse, overdose, or chemical dependence on medication, drugs, alcohol, or other intoxicant.<br>8. an emergency resulting from:\u00a0mountain climbing\u00a0requiring the use of specialized equipment, including carabineers, crampons, pick axes, anchors, bolts and lead-rope or top-rope anchoring equipment to ascend or descend a mountain;\u00a0rock-climbing; parachuting, skydiving, hang-gliding\u00a0or using any other air-supported sporting device; participating in a\u00a0motorized speed contest; or your\u00a0professional participation in a sport, snorkeling or scuba-diving\u00a0when that sport, snorkeling or scuba-diving, is your principal paid occupation.<br>9. any<strong>\u00a0<\/strong>pregnancy\u00a0that commences prior to the effective date of this policy; your routine pre-natal care; your routine pregnancy or childbirth; complications of your pregnancy or childbirth when they happen in the\u00a09 weeks before or after the expected date of delivery; medical treatment or services provided to your child born during your Coverage Period.<br>10. the provision of insured services to children 30 days of age or younger.<br>11. an act of war or an act of terrorism when you are outside of Canada and covered under this insurance.<br>12. any treatment that is elective, cosmetic and not for an emergency and\/or general health examinations or services.<br>13. 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.<br>14. prescription drugs or medicines, treatment, appliances or devices provided to monitor or maintain a stable chronic condition.<br>15.\u00a0your\u00a0medical or health assessment or any form of report or document supporting an application to obtain immigrant status or extend\u00a0your\u00a0visa in Canada or any recommended\u00a0treatment\u00a0resulting from such health assessment.<br>16. any medical treatment or follow-up visit outside of Canada when the emergency occurred in Canada.<br>17. any loss resulting from\u00a0your minor mental or emotional disorder.\u00a0Minor mental or emotional disorder\u00a0means: having anxiety or panic attacks or being in an emotional state or in a stressful situation. A\u00a0minor mental or emotional disorder<strong>\u00a0<\/strong>is one where\u00a0your treatment<strong>\u00a0<\/strong>includes only minor tranquilizers or minor antianxiety medication (anxiolytics) or no prescribed medication at all.<br>18. any emergency that occurs or recurs after 21<sup>st<\/sup>\u00a0Century\u2019s medical advisors recommend that you return to your country of origin and you choose not to. (See Loss of Coverage in policy wording).<br>19. 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 for exception\u00a0Enhanced and Standard plan only)<br>20. 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 against all or non-essential 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.<br>21. any medical treatment once you become eligible and\/or covered under a Canadian government health insurance plan.<br>22. covered expenses that exceed 80% of those 21st Century would normally pay, if you do not contact the Assistance Centre within 24 hours of\u00a0hospitalization\u00a0unless\u00a0your\u00a0medical condition makes it impossible for\u00a0you\u00a0to call. If your medical condition makes it medically impossible for you to call, please have someone call on your behalf.<br>23. your failure to follow a recommended or prescribed therapy or treatment.<br>24. Any expenses arising from any sickness, disease, symptom or injury that presented, recurred or was treated during any suspension of coverage during a Side-Trip Outside of Canada.<\/p> <p>Note: Each time\u00a0you\u00a0purchase another policy from\u00a021<sup>st<\/sup>\u00a0Century, each new policy will have a new\u00a0effective date\u00a0even if\u00a0you\u00a0are continuing the same visit to Canada (or other country covered under the Side-Trips Outside of Canada provision).<\/p>\n\n<h4>RATES:<\/h4>\n<p>[table id=3 \/]<\/p>\n<p>\u00a0 \u00a0- Applicants ages 55 to 85 who wish to purchase Enhanced Plan must complete\u00a0<a href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_medical_questionnaire.pdf\" target=\"_blank\" rel=\"noopener\">the Medical Declaration<\/a>\u00a0to determine eligibility for coverage.<br>\u00a0 \u00a0- Minimum policy premium is $25.00.<br>\u00a0 \u00a0- Family rate - is twice the older adult rate.\u00a0<strong>Family<\/strong>\u00a0is 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\u00a0and visiting Canada with them.<br>\u00a0 \u00a0- Travel Companion Savings of 5% applies to each traveller purchasing this coverage and travelling together. Travel Companions Savings cannot be applied to Family Rates.<br>\u00a0 \u00a0- 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.<\/p>\n<p>[table id=5 \/]<\/p>\n<p>[table id=7 \/]<\/p>\n<p style=\"font-weight: 400;\">The Basic Plan is a reduced benefit plan with NO coverage for pre-existing medical conditions.<\/p> <p style=\"font-weight: 400;\"><strong>Basic Plan vs. Enhanced and Standard Plans:<br><\/strong>\u00a0 \u00a0\u2022 Pre-existing conditions look back period is Lifetime for the Basic Plan (vs. 180 days for Enhanced and Standard Plans)<br>\u00a0 \u00a0\u2022 Accidental Death and Dismemberment is NOT included in the Basic Plan<br>\u00a0 \u00a0\u2022 Dental Accident is not included in the Basic Plan<br>\u00a0 \u00a0\u2022 Dental Emergencies are not included in the Basic Plan<br>\u00a0 \u00a0\u2022 90-Day Provision (reinstates benefits in certain circumstances after a claim) is NOT included in the Basic Plan<br>\u00a0 \u00a0\u2022 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)<br>\u00a0 \u00a0\u2022 No coverage for the following health care practitioners: chiropodist, osteopath, podiatrist for the Basic Plan holders<br>\u00a0 \u00a0\u2022 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).<br>\u00a0 \u00a0\u2022 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.<\/p>\n<p>[table id=6 \/]<\/p>\n<p style=\"font-weight: 400;\">\u00a0* Family Rates are not available under the Standard Plan and ALL APPLICANTS must select the same Plan.<\/p> <p style=\"font-weight: 400;\"><strong>DEDUCTIBLES:<\/strong>\u00a0<br>All deductibles on the Enhanced and Standard Plans except for the Disappearing Deductible are per person per policy.<br>The Disappearing Deductible is per person, per sickness-related claim.<br>All deductibles on the Basic Plan are per person, per claim.\u00a0<br>NOTE: Regardless of the deductible selected, if you do not report a claim within 24 hours, you will be responsible for the first $100 of any medical expenses. This $100 is in addition to any deductible amount<\/p> <p style=\"font-weight: 400;\">\u00a0<\/p> <p style=\"font-weight: 400;\"><strong>What is the Disappearing Deductible option?\u00a0<\/strong>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\u00a0<strong>$2,500 deductible\u00a0<\/strong>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 (\u201cdisappears\u201d) and eligible expenses will be reimbursed from the first dollar.<br>For injury-related claims, the deductible is waived for applicants who purchase the Disappearing Deductible option.<\/p>\n<p style=\"font-weight: 400;\"><strong>IMPORTANT NOTE:<\/strong> 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.<\/p>\n\n<h4>DOWNLOADS:<\/h4>\n<ul> <li> <p><a href=\"\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2022\/09\/21st_century_visitors_policy.pdf\">21st Century ENHANCED Plan and STANDARD Plan Policy PDF<\/a><\/p> <\/li> <li> <p><a title=\"\" href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_visitors_policy.pdf\" target=\"_blank\" rel=\"noopener\">21st Century Travel Insurance Inc.<br>Visitors Insurance Policy PDF<\/a><\/p> <\/li> <li><a title=\"\" href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_visitors_claim_form.pdf\" target=\"_blank\" rel=\"noopener\">21st Century Travel Insurance Inc.<br>Visitors Claim Form PDF<\/a><\/li> <li><a title=\"\" href=\"\/\/www.visitorsinsurance.ca\/pdf\/21st_century_medical_questionnaire.pdf\" target=\"_blank\" rel=\"noopener\">21st Century Travel Insurance Inc.<br>Medical Declaration PDF<\/a><\/li> <\/ul>","_links":{"self":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages\/452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/comments?post=452"}],"version-history":[{"count":5,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages\/452\/revisions"}],"predecessor-version":[{"id":1436,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages\/452\/revisions\/1436"}],"wp:attachment":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/media?parent=452"}],"wp:term":[{"taxonomy":"page-group","embeddable":true,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/page-group?post=452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}