21st Century Super Visa Insurance for Parents and Grandparents Visiting Canada

• Compare 21st Century quote fit
• Cost, deductible, and payment options
• Pre-existing condition wording reminders
• Refund and claim-process considerations

Why Families Compare 21st Century Super Visa Insurance

21st Century Travel Insurance focuses on travel-medical products, including emergency medical insurance for Super Visa applicants. Its public information highlights the Super Visa requirement for at least one year of coverage and a minimum of $100,000 in emergency medical insurance.

Families often compare 21st Century Super Visa insurance when they want to review monthly payment availability and deductible choices. Its Visitors to Canada plans come in three tiers — Basic, Standard, and Enhanced — underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, and the tier selected (not just the coverage amount) determines pre-existing condition coverage, AD&D, and several other benefits.

Introduction

21st Century is one of the Super Visa insurance options available to families through Super Visa Quote. 21st Century's Visitors to Canada plans — underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, and administered by 21st Century Travel Insurance Limited — are offered in three tiers: Basic, Standard, and Enhanced. In the policy wording, the Parent and Grandparent Super Visa is referred to as the "PG-1 VISA."

21st Century at a Glance

• Underwriter: The Manufacturers Life Insurance Company (Manulife) + First North American Insurance Company
• Coverage: $100,000 and up
• Plan tiers: Basic · Standard · Enhanced
• Eligibility age: 30 days to 85 years
• Pre-existing (Enhanced): 180-day stability test; Medical Declaration required for applicants age 60+
• Waiting period: 72 hours (within 30 days of arrival) or 7 days

21st Century Visitors to Canada: Plan Tiers

Plan details reflect 21st Century's Visitors to Canada policy (version V11, effective December 2025). Confirm current terms and eligibility with a qualified advisor before purchasing.

21st Century Super Visa Insurance and IRCC Requirements

For a Parent and Grandparent Super Visa, IRCC requires private health insurance valid for at least one year from the date of entry, with a minimum coverage amount (currently $100,000 — confirm the current minimum with your advisor). 21st Century's plans are available from $100,000 and up, but the plan tier — Basic, Standard, or Enhanced — determines what is actually covered, not just the dollar amount. Review the tier and pre-existing condition details carefully before relying on a 21st Century policy for a Super Visa application.

21st Century Super Visa Insurance Coverage: Basic vs. Standard vs. Enhanced

Choosing the tier is the central decision on a 21st Century quote. The three tiers differ most in pre-existing condition coverage and Accidental Death and Dismemberment (AD&D) coverage.

How the three 21st Century tiers differ

• Basic: the lowest-cost tier. It is a reduced-benefit plan with no pre-existing condition coverage at all, no AD&D benefit, and a reduced death-expense benefit (up to about $7,500 combined).
• Standard: comprehensive day-to-day benefits (extended healthcare, prescriptions, dental, and more), but pre-existing conditions are excluded entirely — a blanket exclusion, with no stability test.
• Enhanced: the same comprehensive benefits as Standard, plus the possibility of stable pre-existing condition coverage through a 180-day "Unstable Condition" test (see the pre-existing section below).

21st Century Standard and Enhanced: Key Benefit Limits

Benefit amounts reflect the 21st Century Standard and Enhanced Visitors to Canada wording (V11-2512 series, effective December 2025). The Basic tier is a reduced-benefit plan — it does not include AD&D and caps death expenses at about $7,500 combined. Confirm current limits with your advisor.

For families comparing 21st Century for a Super Visa, the key questions are

• Which tier — Basic, Standard, or Enhanced — is being quoted, and does it fit your parent's needs?
• If Enhanced is selected, does your parent qualify automatically (under 60) or need to complete a Medical Declaration (ages 60 to 85)?
• Does the policy meet the current Super Visa insurance minimum ($100,000 or more)?
• Is your parent within the eligible age range (30 days to 85 years; applicants 86 and older are not eligible)?
• What waiting period applies for your situation?
• What happens if the Super Visa is refused?

21st Century Super Visa Insurance Cost

21st Century's pricing depends heavily on the tier selected (Basic vs. Standard vs. Enhanced), the applicant's age, and the coverage amount. The most accurate way to compare is to request a personalized quote using your parent's real age, travel dates, coverage amount, and medical history.

21st Century cost may depend on

• Plan tier — Basic, Standard, or Enhanced (Enhanced costs more but may offer stable pre-existing coverage)
• Age of the parent or grandparent (eligible 30 days to 85; ages 60 to 85 may need a Medical Declaration for Enhanced)
• Coverage amount selected
• Medical history, especially where Enhanced and the 180-day "Unstable Condition" test apply
• Whether a Monthly Payment Plan is used (additional fees apply)
• Whether the Disappearing Deductible option is selected

Is 21st Century Cheap Super Visa Insurance?

Basic can look like the lowest-cost option, but it has no pre-existing condition coverage and no AD&D. Families should weigh that trade-off carefully against Standard or Enhanced before choosing based on price alone. The cheapest tier is not always the most suitable one.

21st Century Super Visa Insurance and Pre-Existing Conditions

Pre-existing condition coverage depends entirely on the tier you choose.

21st Century pre-existing coverage by tier

• Basic: no pre-existing condition coverage of any kind.
• Standard: pre-existing conditions are excluded by a blanket exclusion — there is no stability test.
• Enhanced: stable pre-existing conditions may be covered, subject to a 180-day "Unstable Condition" test (an eight-point test similar in structure to GMS's).

Enhanced pre-existing access depends on age

Applicants under 60 who meet general eligibility automatically have access to Enhanced's pre-existing review. Applicants aged 60 to 85 must complete a Medical Declaration: if the answer to every question is "No," Enhanced's pre-existing review applies; if the answer to any question is "Yes," the applicant is treated at the Standard level (the blanket exclusion) even if Enhanced was purchased.

Two absolute carve-outs can apply regardless of the 180-day test: a heart condition is not covered if any form of nitroglycerine was required for angina in the 180 days before the effective date, and a lung condition is not covered if prednisone was required in that window. Recent home-oxygen use can also affect eligibility. This is a multi-step process — confirm with your advisor before assuming Enhanced will cover your parent's specific condition. Our Pre-Existing Conditions Guide explains what "stable" means in more detail.

21st Century Super Visa Insurance Deductible Options: Disappearing Deductible

21st Century offers a Disappearing Deductible option on Standard and Enhanced. It works on an all-or-nothing basis: if an eligible claim exceeds $2,500, the deductible is waived entirely; if the claim is $2,500 or less, a $2,500 deductible applies (so smaller claims are effectively self-paid). Ask your advisor whether this option makes sense for your parent's coverage amount and risk profile.

21st Century Super Visa Insurance Monthly Payment Options

21st Century offers a Monthly Payment Plan with specific requirements: a minimum 365-day coverage period, a minimum $100,000 aggregate limit, a two-month deposit (with the third month due at activation), a $50 non-refundable policy fee, and a 30-day grace period before the policy terminates for non-payment. Each policy is issued for up to 365 days at a time and can be renewed when longer coverage is needed. Ask your advisor to walk through the full deposit and fee structure before committing.

21st Century Super Visa Insurance Waiting Period

• Applicants 85 and under: 72 hours if the policy is purchased within 30 days of arrival in Canada, or 7 days if purchased more than 30 days after arrival.
• Applicants 86 and older: 15 days (note: new policies are not available for applicants 86 and older).
• Plan upgrades (for example, Standard to Enhanced) also carry a 7-day waiting period.

21st Century Super Visa Insurance Notification Requirements

If a medical emergency or hospitalization occurs, contact the assistance provider (Global Excel / Active Care Management) within 24 hours. Failing to notify within 24 hours of hospitalization results in a 20% co-insurance penalty on otherwise-eligible expenses — the same structure as Manulife, since 21st Century's plans are underwritten by Manulife and First North American. The safest approach is the same for every provider: call the assistance line as soon as possible in any emergency, and confirm the notification window with your advisor.

21st Century Super Visa Insurance Refund Policy

A full refund is generally available within 30 days if the Super Visa application is denied or withdrawn (proof required). Other cancellations carry processing fees of $25 to $250 depending on the scenario. If a claim has been paid, a $300 file-handling fee is deducted from any refund; if a claim was denied, the file-handling fee is $500. The $50 monthly policy fee is non-refundable. Confirm your specific refund scenario — including a visa refusal — with your advisor before cancelling.

AD&D (Accidental Death and Dismemberment) — Standard and Enhanced Only

21st Century's Basic plan does not include AD&D. Standard and Enhanced include AD&D: $50,000 for death, loss of both eyes, or loss of two limbs, and $25,000 for loss of one eye or one limb, within 365 days of the accident. If the $100,000 coverage limit is purchased on Standard or Enhanced, an Extra Injury Coverage benefit adds an additional $50,000 specifically for injury claims.

21st Century Super Visa Insurance for Parents Visiting Canada

21st Century may be considered by families searching for visitor visa insurance for parents, monthly Super Visa insurance plans, or medical insurance for a Super Visa — particularly families comparing Basic, Standard, and Enhanced tiers, weighing the Disappearing Deductible option, or considering the Monthly Payment Plan. As with any provider, the selected tier, coverage amount, and policy length should meet the current Super Visa insurance requirement.

21st Century vs. Other Super Visa Insurance Providers

21st Century's three-tier structure (Basic, Standard, Enhanced) and Disappearing Deductible option make it a useful comparison point, but families should still compare it against other Super Visa insurance providers — particularly on pre-existing condition handling, since access to Enhanced's pre-existing review depends on the applicant's age and a Medical Declaration.

Families commonly compare 21st Century with

• Manulife Super Visa Insurance
• TuGo Super Visa Insurance
• Secure Travel (RIMI) Super Visa Insurance
• TruStone Super Visa Insurance
• GMS Super Visa Insurance
• Destination Canada Super Visa Insurance
• Travelance Super Visa Insurance
• AwayCare Super Visa Insurance

Why Compare 21st Century Through Super Visa Quote?

Comparing 21st Century alongside other providers lets you review the plan tier (Basic, Standard, or Enhanced) and what each actually covers, pre-existing condition access by age and Medical Declaration, AD&D availability (Standard and Enhanced only), the Disappearing Deductible option, and the Monthly Payment Plan structure and fees — all at no extra cost to you. This helps families avoid choosing a plan based only on price or provider name.

Who should consider 21st Century Super Visa insurance?

• Parents or grandparents aged 30 days to 85 applying for or holding a Super Visa
• Families comparing Basic, Standard, and Enhanced tiers for budget vs. coverage trade-offs
• Applicants under 60 (automatic Enhanced pre-existing access) or 60 to 85 willing to complete a Medical Declaration
• Families interested in a Monthly Payment Plan or a Disappearing Deductible option
• Families comparing Canadian Super Visa insurance companies before choosing

The best tier and provider depend on the applicant's age, health history, travel dates, and budget. Your advisor can help compare 21st Century's Basic, Standard, and Enhanced tiers against other providers for your specific situation.

Provider FAQs

Continue Comparing Super Visa Insurance Providers

• 21st Century: Pre-Existing Conditions
• Super Visa Insurance
• Super Visa Insurance Cost
• Super Visa Insurance Deductible
• Monthly Super Visa Insurance Plans
• Super Visa Insurance Refund Policy
• Pre-Existing Conditions Guide
• Compare Super Visa Rates
• Manulife Super Visa Insurance
• TuGo Super Visa Insurance
• GMS Super Visa Insurance

Information Accurate as of December 2025

Insurance providers update their plan wordings, coverage limits, and pricing periodically. The details on this page reflect the 21st Century plan documents available to us as of December 2025 and are provided for general guidance only. Our advisor can confirm the current policy wording, exact pricing, and whether a specific condition or scenario applies to your situation before you buy.

Related Insights and Guides

• Super Visa Insurance Providers in Canada
• How to Choose Super Visa Insurance for Parents and Grandparents
• Super Visa Insurance Cost in Canada
• Super Visa Insurance Monthly Payment Plans in Canada (2026 Guide)
• Super Visa Insurance for Elderly Parents With Medical Conditions
• Manulife vs TuGo Super Visa Insurance