Is 21st Century travel insurance the best in 2024?

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Information verified by  Alexandre Desoutter

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Alexandre Desoutter updated on 4 July 2023

Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

It is not fun to think about, but travel insurance is a necessity when you are away from home. It guarantees your ability to get and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues and lost luggage, amongst other things.

That being said, what to think about 21st Century travel insurance in Canana? What coverage is 21st Century providing? For what price? What are its pros and cons? Read our review on 21st Century's medical travel insurance, get a quote, and see how the competitors fare.

Our 2024 review of 21st Century travel insurance

With over 40 years in the travel insurance industry, 21st Century limited offers an array of insurance services to its clients.

Their flexible travel insurance options fit any client's budget and needs. 21st Century Travel Insurance protects more than 45,000 travellers each year.

See below 21st Century's travel insurance pros and cons:

Why 21st Century could be right for you:

A range of travel insurance products for visitors to Canada
An additional $50,000 of extra injury coverage included for free on top of their $100,000 insurance package
A flexible monthly payment option available
Sold by more than 3,000 agents across Canada

Why 21st Century may not be right for you:

Cannot be purchased online, must call or request a call from an agent

Before choosing 21st Century travel insurance, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

Get a quote

What does 21st Century travel insurance cover?

21st Century LTD Travel Insurance offers several types of plans. They are underwritten by Manulife - a leading insurance company in Canada. The plans offer extensive medical coverage. Here are the main travel insurance plans available:

Travel Plan for Visitors to Canada

21st Century Travel Insurance plan for Visitors to Canada is divided into three level: Enhanced, Standard and Basic Plan. Each of these plan features varying coverage for emergency medical intervention. Coverage option goes as high as $200,000. An additional $50,000 for extra injury coverage is available on the $100,000 coverage option (on the Enhanced and Standard Plans). Payment is flexible and can be split into monthly payments.

Travel Plan for Out of Province Travels

The all-inclusive 21st Century Travel Insurance plan for internal travel offers competitive rates, zero age limit and special benefits for trip cancellation and interruption, travel accidents and baggage protection. The Medicare International Plan features $10 million coverage for medical emergencies and 24/7 multilingual emergency assistance from anywhere in the world. Both Single trip and Multi-trip travel plans are available with emergency medical coverage outside your province.

Special Medical Underwriting

This plan is available to Canadians who are ineligible for standard insurance plans due to a pre-existing medical condition. It offers coverage of pre-existing medical conditions with no special requirement for stability period. It offers up to $5 million in emergency medical coverage, and can be purchased in advance.

For more information on 21st Century travel insurance, download the PDF below:

21st Century Travel Insurance provides emergency medical coverage for out-of-province travel.

Enjoy an all-inclusive coverage with benefits such as trip cancellation, interruption, flight accident and other related emergencies.

21st Century Travel Insurance provides three plans for visitors to fit a range of budgets and types of visits to Canada.

Plan nameTravel Plan for Visitors to Canada Travel Plan for Out of Province Travels
Emergency Medical
up to $200,000 coverageOffers $10 million as coverage
up to $1,000
up to $3,500
up to $3,500
Comparison of 21st Century travel insurance

Good to know

Most credit cards offer some king of travel coverage. It rarely is as covering as a travel plan purchased with a private insurance company.

How much does a travel insurance with 21st Century cost?

The cost of travel insurance coverage with 21st Century depends on several variables:

  • Your age.
  • Your desired coverage and otpions.
  • Your deductible.
  • Your waiting period.
  • Your destination(s).
  • The lenght of your trip.

Therefore, we advise you to get a customized quote for an accurate rates for 21st Century travel insurance.

Before settling on 21st Century travel insurance, check out other travel insurance plans, coverages and prices using our free comparison tool below:

Compare the best travel insurance plans on the market!

Get a quote

How to purchase a travel insurance plan with 21st Century?

21st Century Travel Insurance LTD packages can be purchased by calling the following number: 1-800-567-0021.

If you wish to have a 21st Century Travel Insurance agent call you, you may request a call by filling out their short online questionnaire.

How to file a travel insurance claim with 21st Century?

You can file your travel claim with 21st Century Travel Insurance either directly on their website, or putting a call for assistance to 1-800-567-0021

Does 21st Century cover Covid-19-related travelling issues?

21st Century Travel Insurance offers a Coronavirus Emergency Medical Insurance Rider. This allows for swift medical intervention related to COVID-19.

If you purchased coverage before your destination had a Level 3 travel advisory, coverage should be included in your plan.

If you purchased after a Level 3 travel advisory was already in place an additional premium may apply if you wish for Covid-19 coverage.

How can I contact 21st Century travel insurance?

Contact 21st Century travel insurance by telephone at:

For medical emergencies

  • 1-855-478-34-84 (from Canada and the USA)<< />i>
  • +1-519-215-7852 (Worldwide)

For general inquiries

  • Toll Free: 1-800-567-0021
  • Local: 905-372-1779


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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.