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21st Century Pre-Existing Conditions at a Glance
- Underwriter
- Manulife + First North American Insurance Company
- Tiers
- Basic · Standard · Enhanced
- Basic / Standard
- No pre-existing coverage
- Enhanced
- 180-day "Unstable Condition" test
- Age 60+
- Medical Declaration — a "Yes" can revert to Standard rules
How 21st Century Handles Pre-Existing Conditions
On 21st Century's Visitors to Canada plans, pre-existing condition treatment depends entirely on the tier. The Basic and Standard tiers do not cover pre-existing conditions at all. Only the Enhanced tier offers the possibility of stable pre-existing condition coverage, through a 180-day "Unstable Condition" test.
Access to Enhanced's pre-existing review also depends on age. Applicants under 60 generally have automatic access to the review. Applicants 60 to 85 must complete a Medical Declaration — and a single "Yes" answer can mean the applicant is treated as Standard (blanket exclusion) for pre-existing conditions, even on Enhanced. 21st Century's plans are underwritten by Manulife and First North American.
What "Stable" Means
Most pre-existing coverage depends on a condition being "stable" for a set window before the trip — generally no new diagnosis, no medication or dosage change, no new or worsening symptoms, no pending tests, and no hospitalization. Our Pre-Existing Conditions Guide explains the full stability test; this page covers how 21st Century specifically applies it.
What to Confirm With 21st Century
- Which tier is being quoted — only Enhanced offers any pre-existing review.
- For applicants 60 to 85, how the Medical Declaration answers affect Enhanced access.
- Whether the condition meets the 180-day "Unstable Condition" test on Enhanced.
- Whether the selected coverage amount and term meet the current Super Visa requirement.
FAQs
Only potentially, and only on Enhanced via a 180-day "Unstable Condition" test. Basic and Standard exclude pre-existing conditions entirely.
Information accurate as of December 2025
This page reflects the 21st Century policy wording available to us as of December 2025 and is provided for general guidance only. Pre-existing condition rules, stability windows, eligibility, and plan wording can change. Confirm current terms with our advisor and review the policy wording before you buy.
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