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New immigrant or Returning Canadians medical insurance

Underwritten by

Travel medical insurance by 21st Century Limited

Administered by

Travel medical insurance by manulife

Canada is a country that welcomes new immigrants and returning Canadians each year.  Canada promises its residents best health care in the world but it can be very expensive if you are without medical insurance or covered under provincial health benefits. Therefore to avoid such tough situations it is strongly recommended new immigrants or returning Canadians waiting for provincial health coverage to obtain medical insurance. We offer three cost effective insurance plans Basic, Standard and Enhanced to cover a wide range of health conditions at affordable cost.

Medical services

Medical care received from physician in or out off hospital (conditions apply *)

Medical care received from physician in or out off hospital (conditions apply *)

Medical care received from physician in or out off hospital (conditions apply *)

Basic Diagnostic services

Lab tests required by physicians to determine a medical condition.

Lab tests required by physicians to determine a medical condition.

Lab tests required by physicians to determine a medical condition.

Advanced diagnostic services

cardiac catheterization, angioplasty,

and/or cardiovascular surgery including any associated

test(s) or charges, magnetic resonance imaging (MRI),

computerized axial tomography (CAT) scans, sonograms,

ultrasounds or biopsies if approved by our assistance centre *

cardiac catheterization, angioplasty,

and/or cardiovascular surgery including any associated

test(s) or charges, magnetic resonance imaging (MRI),

computerized axial tomography (CAT) scans, sonograms,

ultrasounds or biopsies if approved by our assistance centre *

cardiac catheterization, angioplasty,

and/or cardiovascular surgery including any associated

test(s) or charges, magnetic resonance imaging (MRI),

computerized axial tomography (CAT) scans, sonograms,

ultrasounds or biopsies if approved by our assistance centre *

Follow-up physician visits

One follow-up per event of sickness or injury

No limit

No Limit

Medical care

Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)

Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)

Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)

Prescribed medication

prescription medications up to $500 and not exceeding a

30-day supply. Medication that can be purchased over the counter is not covered.

prescription medications up to $500 and not exceeding a

30-day supply. Medication that can be purchased over the counter is not covered.

prescription medications up to $500 and not exceeding a

30-day supply. Medication that can be purchased over the counter is not covered.

Pre-existing medical coverage

Not covered 

Not covered If conditions existed in 180 days prior to effective date

Covered if conditions existed and stable in 180 days prior to effective date.

Hospital stay

semi-private room when available and intensive care unit when medically necessary

semi-private room when available and intensive care unit when medically necessary

semi-private room when available and intensive care unit when medically necessary

Emergency ground transport

Licensed local ambulance service

Licensed local ambulance service

Licensed local ambulance service

Emergency air transport

if our medical advisor and your physician recommends then we will pay for one or more of the following:

  • air ambulance

  • cost effective economy class fare for return to your home country

  • return air fare for medical attendant if necessary

  • stretcher fare on a commercial flight if necessary

(conditions apply *)

if our medical advisor and your physician recommends then we will pay for one or more of the following:

  • air ambulance

  • cost effective economy class fare for return to your home country

  • return air fare for medical attendant if necessary

  • stretcher fare on a commercial flight if necessary

(conditions apply *)

if our medical advisor and your physician recommends then we will pay for one or more of the following:

  • air ambulance

  • cost effective economy class fare for return to your home country

  • return air fare for medical attendant if necessary

  • stretcher fare on a commercial flight if necessary

(conditions apply *)

Accidental Death and Dismemberment

Not Available

Up to $25,000 coverage

Up to $25,000 coverage

Dental Accident coverage

Not Available

Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face.

Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face.

Dental pain relief

Not Available 

Up to $300 acute dental pain for which you have not previously received treatment or advice

Up to $300 acute dental pain for which you have not previously received treatment or advice

90 day provision

Not Available

Reinstatement of coverage for a second claim related to the same condition

Reinstatement of coverage for a second claim related to the same condition

Side Trip Coverage

provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada

(conditions apply *)

provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada

(conditions apply *)

provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada

(conditions apply *)

Healthcare practioners 

accupuncturist, chiropractor, physiotherapist

accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist

accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist

INSURANCE BENEFITS

Benefits

Basic

Standard

Enhanced

WHY US?

* We provide insurance plans with certain benefits during your visit to Canada but all insurance plans have some limitations, exclusions, conditions, and other terms that may limit the reimbursement to which you are entitled. Please review these policy wordings for further details:

  • Basic Plan

​

  • Enhanced and Standard Plan

You are NOT eligible for medical Canada insurance if:
 

  • you are traveling against the advice of a physician;

  • you have been diagnosed with a terminal illness with less than two (2) years to live;

  • you have been diagnosed with or received treatment within the last two (2) years for pancreatic, lung, brain, or liver cancer; or any type of cancer that has spread from one part or organ of the body to another (metastatic cancer);

  • you have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant);

  • you have a kidney condition requiring dialysis;

  • you have used home oxygen during the 12 months prior to the date of application;

  • you reside in a nursing home, other long term care facility or rehabilitation centre; and/or

  • You are age 86 or older (unless buying the Basic Plan)

Anchor 1

$15,000 to 200,000 medical coverage options for up to 365 days (1 year). Provide extra $50,000 coverage of accidents on purchase of $100,000 coverage plan.

Wide range of deductibles from $0 to $10,000 to get reduction in premiums.

Discounts available for companions and family.

COVID-19 coverage within Canada subject to the regular terms and conditions of the policy.

Coverage for stable pre-existing conditions - Enhanced plan only

Partial premium refund - In case of change of plans provided there is no claim already processed

100% refund - If no Visa Granted for any reason before effective date.

$15,000 to 200,00 medical coverage
Insurance for pre-existing medical conditions
Discounts for new immigrant and returning canadian insurance
100% refund on new immigrant and returning canadian medical insurance
Covid-19 coverage for new immigrants and returning Canadians
Deductables on new immigrants and returning Canadians insurance
Partial refund on medical insurance

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Coverage and Deductable

Coverage and Deductable

Eligibility

Eligibility

Pre-Existing Medical Conditions

Pre-Existing Medical Conditions

Premium Refund

Premium Refund

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