You are not eligible for coverage under this policy if:
• you are traveling against the advice of a physician;
• you have been diagnosed with a terminal illness with less than two (2) years to live;
• you have been diagnosed with or received treatment within the last two (2) years for pancreatic, lung, brain, or liver cancer;
• you have ever been diagnosed with any type of cancer that has spread from one part or organ of the body to another (metastatic cancer);
• you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);
• you have ever been diagnosed with Congestive Heart Failure;
• you have been prescribed or used home oxygen in the last 12 months;
• you require kidney dialysis;
• you reside in a nursing home or long term care facility; and/or
• you are age 86 or older.
|Coverage||$15000、$25000、$50000、$100000、$150000和$200000, Extra Injury Coverage additional $50,000 of coverage with the $100,000 option|
|Deductible||$0, $50、$250、$500、$1000、$5000和$10000 for per person per policy|
|Duration||maximum 365 days under one policy；730 days are available if purchasing under the monthly payment plan|
|Minimum Premium||$25 CAD|
|Companion Rates||5% off|
|Family Plan||Charge 2X the oldest applicant's total premium|
|Side Trip||In Canada no less than 51% of the overall time. A maximum of 30 days in each subsequent 365-day period.|
|Pre-existing condition||180 days stable, medical Questionnaire required for Age 55 to 85|
|Waiting Period||A waiting period will apply to this policy if you: i) purchase this policy after your arrival date; or ii) fail to properly notify 21st Century of your actual arrival date (as explained in Your Coverage Starts). The waiting period is 72 hours if the above circumstances occur within the first 30 days after your arrival date. The waiting period is 7 days if the above circumstances occur 31 days or more after your arrival date. （see more details in the policy wording)|
|Refund||$25 of an administration fee with no claim,|
|Hospital Accomadation||Reasonable and customary costs for inpatient and outpatient treatment|
|Diagnostic Services||Reasonable and Customary Costs for X-ray and Lab Tests|
|Prescription Drugs||prescription medications up to $500 and not exceeding a 30-day supply when these medications are prescribed on an outpatient basis|
|Extended Healthcare||private duty registered nursing or licensed home care providers and rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance up to $5,000 following emergency insured services when prescribed in writing by a physician. The use of any private duty registered nurse or licensed home care provider must be authorized in advance by the Assistance Centre.|
|Health-care Practitioner||Up to a combined $1000 for acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist|
|Relief of Dental Pain||Up to $300|
|Dental Accident||Up to $4000|
|Expenses Related to Your Death||Up to $7500|
|Accident and Dismemberment||Up to $25,000|
If necessary, please call 21st Century at 1-877-882-2957.
before visiting the Doctor, Please contact Canada Travel Insurance Online at 1-877-338-7097 first and we'll facilitate the claim process.
You can find the original wording policy in the attachment, which is at the bottom of this page.
The language in this summary may not be the same as the legal and technical terminology found in the official policy wording. In all instances, the official policy wording will prevail. For complete details, refer to the policy wording, which is available in the attachment of every plan's page in our website.
|Medical Declaration (160.83 KB)||160.83 KB|
|Enchanced and Standard Plans Policy Wording V10 (307.93 KB)||307.93 KB|