IRCC Super Visa information
Super Visa & Visitors Insurance
21st Century Travel Insurance
A Canadian Managing General Agency based in Cobourg, Ontario, serving travellers since 1979. 21st Century's Visitors to Canada plans have been underwritten by Manulife Financial since 2004, with three tiers to match your family's health profile and budget.
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Coverage Details
Super Visa policies run a fixed 365 days from your start date.
Applicants(1 of 2)
Your Trusted Partner
21st Century Travel Insurance: 45+ Years, Underwritten by Manulife
Based in Cobourg, Ontario, 21st Century Travel Insurance has been serving Canadian families since 1979. Their Visitors to Canada plans have been underwritten by Manulife Financial since 2004, with 24-hour claims support through Active Claims Management — giving you Manulife-backed protection through a plan built specifically for Super Visa applicants.
Why Choose 21st Century
Why Choose 21st Century for Super Visa Insurance?
Three Plans to Match Your Budget
Choose Basic, Standard, or Enhanced coverage, with limits from $15,000 up to $200,000.
Backed by Manulife
Underwritten by Manulife Financial since 2004, with claims handled by Active Claims Management.
Disappearing Deductible
An optional feature that waives your deductible entirely once a claim exceeds $2,500.
Coverage Up to 730 Days
The Two-Year Upgrade locks your rate for two years, with benefit maximums resetting at year two.
Family & Companion Discounts
Save 5% per traveller when a companion or family member is insured on the same policy.
Coverage Details
What 21st Century Travel Insurance Covers
Standard and Enhanced plan limits shown below — the Basic plan covers core emergencies at reduced benefit limits and a lower premium. See the full Basic vs. Standard vs. Enhanced breakdown further down the page.
Emergency Hospitalization
Hospital and physician services up to your plan maximum
Physician Services
In-hospital and out-of-hospital physician consultations
Ambulance Transport
Licensed ambulance transportation when medically necessary
Prescription Drugs
Up to $1,500 for a 30-day supply on Standard and Enhanced; $500 on Basic
Accidental Dental
Standard & Enhanced plans only: up to $4,000 for dental accidents, plus $500 for dental pain relief
Repatriation
Standard & Enhanced: unlimited return home plus up to $3,000 each for body preparation and burial or cremation. Basic: $7,500 combined maximum
Continuing Treatment
Unlimited follow-up visits until the emergency ends, on Standard and Enhanced plans
Private Duty Nursing
Up to $10,000 on Standard & Enhanced; up to $5,000 on Basic
Accidental Death & Dismemberment
Up to $50,000, included on Standard and Enhanced plans
Healthcare Practitioners
Chiropractic, physiotherapy, and similar services, up to $1,000
24-Hour Claims Assistance
Round-the-clock emergency and claims support through Active Claims Management
| Benefit | Basic | Standard | Enhanced |
|---|---|---|---|
| Hospital & Medical | |||
| Hospital Accommodation | Semi-private room | Semi-private room | Semi-private room |
| Physician Care & Diagnostic Tests | Covered in full | Covered in full | Covered in full |
| Extended Healthcare (nursing, equipment rental) | $5,000 | $10,000 | $10,000 |
| Healthcare Practitioner Services | $1,000 combined total | $1,000 combined total | $1,000 combined total |
| Local Ambulance | Covered in full | Covered in full | Covered in full |
| Prescription Drugs (30-day supply) | $500 | $1,500 | $1,500 |
| Dental Emergency | |||
| Accidental Damage to Teeth | Not included | $4,000 | $4,000 |
| Relief of Dental Pain | Not included | $500 | $500 |
| Death & Dismemberment | |||
| Accidental Death & Dismemberment | Not included | Up to $50,000 | Up to $50,000 |
| Extra Injury Coverage (at $100,000 policy limit) | Not included | +$50,000 for injury claims | +$50,000 for injury claims |
| Expenses Related to Death | $7,500 combined maximum | Return of body/ashes unlimited + up to $3,000 for prep/burial | Return of body/ashes unlimited + up to $3,000 for prep/burial |
| Pre-Existing Conditions | |||
| Stable Pre-Existing Conditions | Not included | Not included | Covered — stable 180 days before effective date (medical declaration required ages 60–85) |
| 90-Day Reinstatement Provision | Not included | Included | Included |
| Continuing Treatment | |||
| Follow-up Visits | Limited to 1 follow-up visit | Continues until emergency ends | Continues until emergency ends |
Figures are per insured person, per policy, and are based on the official 21st Century Visitors to Canada policy wording (Basic, and Standard/Enhanced, Version V11, effective December 2025). Coverage is always subject to your policy limit, deductible, and all policy exclusions.
Plan Options
Deductible & Premium Estimates
Choose a deductible from $0 to $10,000 — or ask about the disappearing deductible, which waives itself once a claim passes $2,500.
| Deductible | Est. Monthly Premium* | Premium Savings | Best For |
|---|---|---|---|
| $0Most Popular | ~$145–$240 | — | Full coverage, no surprise costs at time of claim |
| $250 | ~$130–$215 | ~10% | Small deductible with a modest premium reduction |
| $500 | ~$120–$200 | ~17% | Low out-of-pocket with meaningful premium savings |
| $1,000 | ~$105–$175 | ~27% | Popular choice — balances cost and coverage well |
| $5,000 | ~$90–$150 | ~38% | Budget-friendly with an adequate emergency reserve |
| $10,000 | ~$75–$125 | ~48% | Maximum discount, with the option to disappear above $2,500 in claims |
* Estimates based on a 65-year-old applicant for a 12-month policy. Actual premiums vary by age, health history, and coverage amount.
Stability Clause
Pre-Existing Condition Coverage
Only the Enhanced plan covers pre-existing conditions. A condition must be stable and unchanged for 180 consecutive days before the policy effective date, and applicants aged 60 to 85 must complete a medical questionnaire. The Standard and Basic plans exclude pre-existing conditions at any age.
Enhanced Plan — 180 days stability
Pre-existing conditions must be stable for 180 consecutive days before the policy effective date. A medical questionnaire is required for applicants aged 60 to 85.
What counts as "stable"
- No new or worsening symptoms
- No new diagnosis or change in existing diagnosis
- No new prescriptions or change in medication dosage
- No hospitalization or referral to a specialist
- No tests ordered or results outstanding
Important Note
Conditions not meeting the stability requirement are excluded. A licensed advisor can help confirm eligibility before you purchase.
Official Documentation
Policy Wording Documents
Read the full, official 21st Century policy wording for the exact terms, limits, and exclusions that apply to your coverage.
Common Questions
Frequently Asked Questions
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Compare 21st Century side-by-side with GMS, Manulife, Allianz, TuGo, and Secure Travel to find the best rate for your family.