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p Any sickness, illness, injury, or condition (e.g., high blood pressure, diabetes, cholesterol, lung issues) that existed or required medication or treatment before the insurance start date.











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  • Official 21st Century Partner

21st century Insurance Plans

We offer three 21st Century Super Visa insurance plans: Basic, Standard, and Enhanced. The Basic and Standard plans provide coverage without pre-existing medical conditions, while the Enhanced plan includes coverage for pre-existing conditions. All three plans offer coverage limits ranging from $100,000 to $200,000. Following are the key benefits of choosing 21st Century insurance plans:

  • Choose coverage from options ranging from $15,000 to $200,000. However for super visa insurance coverage starts from $100,000.
  • Monthly payment option available for $100,000 or more coverage for 1-year (365 days) plan.

  • Diverse range of deductibles, from as minimum as $0 to maximum $10,000. Flexibility in choosing the deductible can offer significant reductions in your premiums.
  • Enhanced plan offers coverage for stable pre-existing medical conditions (e.g., BP, heart, diabetes, cholesterol, lung and other conditions). Basic and Standard plan does not cover pre-existing conditions but standard plan is as comprehensive as enhanced plan.
  • 100% refund in case of visa denial. Visa denail letter is required before the insurance start state to process refund.
  • Easy early return refund available if there is no claim on insurance

21st Century Insurance Plans Benefits

Benefit Basic plan Standard plan Enhanced plan

Pre-existing conditions coverage

Not covered

Not covered if existed in 180 days prior the insurance start date

Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date

Medical questionnarie required?

No

No

Yes - Only individuals of age 55 to 85 years old need to complete medical questionnaire

Hospital accommodation

Semi-private room 

Semi-private room 

Semi-private room 

Prescription drugs

Up to $500 per prescription limited to 30 days supply.

Up to $500 per prescription limited to 30 days supply.

Up to $500 per prescription limited to 30 days supply.

Follow-up visits

1 follow-up visit when related to the medical emergency.

No follow-up visits limit provided these are related to the medical emergency.

No follow-up visits limit provided these are related to the medical emergency.

Private duty nurse

Up to $5,000

Up to $5,000

Up to $5,000

Ground or air transportation

Covers ground and/or air transport when medically necessary.

Covers ground and/or air transport when medically necessary.

Covers ground and/or air transport when medically necessary.

Dental coverage

Not covered

  • Up to $4,000 for treatment as a result of accidental blow.
  • Up to $300 for dental emergency treatment.
  • Up to $4,000 for treatment as a result of accidental blow.
  • Up to $300 for dental emergency treatment.

Laboratory tests & diagnostic services

  • Lab tests and x-rays 
  • Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. 
  • Lab tests and x-rays 
  • Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. 
  • Lab tests and x-rays 
  • Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. 

Medical Appliances

Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency

Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.

Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.

Health professional services

No coverage for health professional services such as Accupuncturist, chiropractor, physiotherapist

Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist.

Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist.

Accidental death & dismemberment

No coverage

Up to maximum $25,000

Up to maximum $25,000

Return of deceased/Cremation or burial

Up to $7,500 for the combined cost for

  • Burial or cremation
  • Transporting body to the place of burial
  • Cost for preparing related legal documentation

The cost of the coffin or urn is not covered.

Up to $7,500 for the combined cost for

  • Burial or cremation
  • Transporting body to the place of burial
  • Cost for preparing related legal documentation

The cost of the coffin or urn is not covered.

Up to $7,500 for the combined cost for

  • Burial or cremation
  • Transporting body to the place of burial
  • Cost for preparing related legal documentation

The cost of the coffin or urn is not covered.

Transportation to bedside

Not covered

Not covered

Not covered

Additional coverage

None

Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.

Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.

90-Day Provision (Reinstatement of Coverage)

Not covered

Reinstatement of coverage for a second claim related to the same condition

Reinstatement of coverage for a second claim related to the same condition

Side trip coverage

Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided

  • you must be continuously insured under a 21st Century Visitors to Canada policy
  • the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; 
  • you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.

Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided

  • you must be continuously insured under a 21st Century Visitors to Canada policy
  • the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; 
  • you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.

Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided

  • you must be continuously insured under a 21st Century Visitors to Canada policy
  • the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; 
  • you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.

Out-of-pocket expenses

Not covered

Not covered

Not covered

Automatic extensions

Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons

  • Coverage will be extended for 72 hours if return is not possible because of Common carrier
  • In case of hospitalization due to emergency, coverage will be extended during the hospital stay
  • In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.

Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons

  • Coverage will be extended for 72 hours if return is not possible because of Common carrier
  • In case of hospitalization due to emergency, coverage will be extended during the hospital stay
  • In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.

Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons

  • Coverage will be extended for 72 hours if return is not possible because of Common carrier
  • In case of hospitalization due to emergency, coverage will be extended during the hospital stay
  • In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.

Policy cancellation/ Refund

  • You can request policy cancellation before the effective date. 100% refund is available if no visa is granted.
  • Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
  • You can request policy cancellation before the effective date. 100% refund is available if no visa is granted.
  • Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
  • You can request policy cancellation before the effective date. 100% refund is available if no visa is granted.
  • Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.

Waiting period

Waiting period applies If you purchase policy after your arrival in Canada

  • 15 days period if age is 86 or old.
  • 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada.
  • 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Waiting period applies If you purchase policy after your arrival in Canada

  • 15 days period if age is 86 or old.
  • 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada.
  • 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Waiting period applies If you purchase policy after your arrival in Canada

  • 15 days period if age is 86 or old.
  • 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada.
  • 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review our detailed policy wordings: