21st Century Monthly Super Visa Insurance

21st Century's Visitors to Canada plans — underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company — offer a Monthly Payment Plan on the Standard and Enhanced tiers. To qualify, the policy generally needs at least 365 days of coverage and at least $100,000 in aggregate coverage.

The monthly plan runs on a two-year (730-day) term, with benefit limits and the deductible reinstated on day 366. Setup involves a two-month deposit plus a third month due at activation, then monthly instalments, plus a one-time $50 non-refundable policy fee. If a payment is missed, there is a 30-day grace period before the policy terminates with no reinstatement. Confirm current terms with your advisor.

On 21st Century, the Basic and Standard tiers do not cover pre-existing conditions; only Enhanced offers a possible stability-based review (a 180-day test), and access depends on the applicant's age — applicants 60 to 85 must complete a Medical Declaration, where a single qualifying answer can revert them to Standard-level (no pre-existing) treatment.

Choose the tier for the parent's medical history first; the monthly schedule is secondary. Confirm the tier, the Medical Declaration outcome, and current monthly terms with your advisor before purchase.