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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.
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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 |
|
|
|
Laboratory tests & diagnostic services |
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|
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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
The cost of the coffin or urn is not covered. |
Up to $7,500 for the combined cost for
The cost of the coffin or urn is not covered. |
Up to $7,500 for the combined cost for
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
|
Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided
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Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided
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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
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Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons
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Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons
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Policy cancellation/ Refund |
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Waiting period |
Waiting period applies If you purchase policy after your arrival in Canada
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Waiting period applies If you purchase policy after your arrival in Canada
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Waiting period applies If you purchase policy after your arrival in Canada
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* 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: