21st Century Plan Details

Comprehensive emergency medical insurance for visitors, immigrants, and Super Visa applicants

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Benefits

The range of coverage and services included in the policy, such as medical expenses, emergency care, trip interruption, and more.

Benefit Category	Coverage Details
Emergency Medical Attention	Medical care from physician in/out of hospital; hospital room costs; diagnostic tests; prescribed drugs
Extended Healthcare	Up to $5,000 for private nursing, hospital bed rental, wheelchairs, crutches, braces, etc.
Health-care Practitioner	Up to $1,000 combined for practitioner services with physician referral
Local Ambulance	Licensed ambulance service for emergency transportation
Prescription Medications	Up to $500, not exceeding 30-day supply
Death-related Expenses	Up to $7,500 for preparation and transportation of body
Repatriation	Coverage for return to country of origin if medically necessary (economy fare, stretcher, medical attendant, air ambulance)
Emergency Dental	Up to $4,000 for treatment due to direct blow to face
Dental Pain Relief	Up to $300 for acute dental pain
Medical Records	Coverage for obtaining required medical records/reports
Accidental Death & Dismemberment	Up to $25,000 for death/complete disability; up to $12,500 for partial disability
Extra Injury Coverage	Additional $50,000 for injury-related expenses with $100,000 policy limit

Specific Conditions

Any medical conditions, illnesses, or injuries that you had before purchasing the insurance policy. Coverage for these may be limited or subject to specific terms.

• Age (on start date) – up to 85 for Standard and Enhanced Plans (No age limit for Basic Plan)
• Period – 365 days (730 days for Monthly Payment Plan). Extensions are available
• Deductible: $0; $100; $250; $500; $1,000; $5,000 and $10,000 per period
• The $2,500 “disappearing” deductible applies to each sickness-related claim (per claim)
• Waiting Period for Illness:
– 0 days if purchased before arrival in Canada
– 72 hours if purchase within 30 days after arrival
– 7 days waiting for sickness after 30 days
– 15 days for age 86 or older and purchased after arrival
– No waiting for accidental body injury
Pre-existing medical conditions – 180-day look back period

Eligibility

The criteria you must meet to purchase or be covered under the insurance plan, such as age limits, residency status, or travel requirements.

Condition	Eligibility Impact
Traveling against physician advice	Not eligible
Terminal illness (<2 years to live)	Not eligible
Recent cancer treatment	Not eligible if diagnosed/treated for pancreatic, lung, brain, liver cancer in last 2 years
Metastatic cancer	Not eligible if ever diagnosed
Organ transplant	Not eligible if had/awaiting organ/bone marrow transplant (except corneal)
Heart conditions	Not eligible if diagnosed with Congestive Heart Failure
Respiratory support	Not eligible if used home oxygen in last 12 months
Kidney issues	Not eligible if require dialysis
Long-term care	Not eligible if residing in nursing home/long-term care facility
Age	Not eligible if 86+ years old
Enhanced Plan (age 55-85)	Must answer "No" to all Medical Declaration questions
Standard Plan	Available to those under 86 who satisfy eligibility requirements

Refunds

The amount you may be eligible to receive back if you cancel your policy, depending on the timing and the insurer’s refund terms.

Refund Scenario	Policy
Visa Denial	Refund if Government of Canada denies visa application (must provide proof)
Entry Permit Change	Refund or plan change if different entry permit issued than applied for (before entry to Canada)
Early Return	Refund for unused premium if return to country of origin
Government Health Plan	Refund if become eligible for Canadian government health plan
Monthly Payment Plan	$50 Policy Fee non-refundable; two-month minimum premium non-refundable; no refunds for partial months

Extensions

The option to continue your coverage by extending the policy duration before it expires, subject to approval and conditions.

Extension Type	Details
Automatic Extension	1. Up to 72 hours if common carrier delayed 2. During hospitalization on expiry date and up to 5 days after discharge 3. Up to 5 days if medical emergency within 5 days of expiry prevents travel
Side-Trips	Coverage for trips up to 30 days outside Canada if: originate/terminate in Canada; continuously insured; combined days outside Canada max 30 days in 365-day period; planned visit to Canada for 51%+ of insured time

Claims

The process of requesting reimbursement or payment from the insurance company for covered expenses during your policy period.

Claims Process	Requirements
Initial Contact	Call Assistance Centre before obtaining emergency treatment (20% co-insurance applies if not called)
Reporting Timeline	Report claims within 30 days; submit proof within 90 days
Required Documentation	1. Original itemized bills/invoices 2. Payment proof (receipts) 3. Payment proof from other insurance 4. Medical records with diagnosis 5. Letter from referring physician for specialist services 6. Travel dates proof 7. Police report for accidents 8. Historical medical records if requested 9. For death claims: police/autopsy reports, medical records, death certificate
Submission Methods	Mail to Global Excel Management or submit online through Manulife TravelAid

Exclusions

Specific situations, treatments, or conditions that are not covered under the policy, which means no claim can be made for them.

Exclusion Category	Details
Pre-existing Conditions	Standard Plan: all pre-existing conditions; Enhanced Plan: unstable conditions
Timing Issues	Sickness during waiting period; known conditions requiring treatment during trip
Medical Procedures	Cardiac procedures without prior approval; treatments started before policy
Behavioral	Self-inflicted injuries (unless mental health-related); criminal acts; not following treatment; alcohol/drug abuse
Non-emergency Care	Elective treatments; general health exams; medications for pre-existing conditions
High-risk Activities	Mountain climbing with equipment; skydiving; professional sports participation
Pregnancy & Children	Pregnancy before effective date or within 9 weeks of delivery; children under 30 days
External Factors	War/terrorism outside Canada; travel advisories; treatment covered by government plans

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