21st Century Travel Insurance: Is It Your Best Choice?

Visiting another country or province without travel insurance can be a costly mistake. If you need emergency medical attention while away you need a plan to pay for it.

Did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? What about the fact that some countries might even refuse service to 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 that, it can help make you whole should something go wrong with your flight or you lose a bag. 

This page answers your questions about 21st Century travel insurance. Read our review, get 21st Century travel insurance quotes and see how the competitors fare. 

Our review of 21st Century travel insurance:

With over 40 years in the travel insurance industry, 21st Century 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.

Continue below for 21st Century 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

Compare quotes and options before choosing travel insurance with 21st Century. A little shopping around can help you to save money and find the coverage that fits your needs.

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What does 21st Century travel insurance cover?

21st Century 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 see:

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 Medicalup to $200,000 coverageOffers $10 million as coverage
Baggage up to $1,000
Cancellation up to $3,500
Interruption up to $3,500
Comparison of 21st Century travel insurance

Good to know

For more information about how travel insurance and to learn about other top insurer read HelloSafe's guide to travel insurance.

How much does a policy with 21st Century cost?

The price of travel insurance coverage with 21st Century depends on your age, desired coverage and the destination and the length of your trip. Therefore it will be important to get an individual quote customized for your unique needs. 

Before settling on 21st Century travel insurance shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our tool:

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How do I purchase a plan with 21st Century?

21st Century Travel Insurance packages can be purchased by calling 1-800-567-0021.

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

How can I reach 21st Century by telephone?

Contact 21st Century travel insurance by telephone at:

For medical emergencies

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

For general inquiries

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

How do I file a 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 travel insurance cover Covid-19?

21st Century Travel Insurance offers a COVID-19 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.


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