Special Underwriting for Pre-existing Conditions
21st Century Travel Insurance Ltd., underwritten by Manulife and represented, by Ray Battiston for Visitors to Canada and Returning Canadians


 


The 21st. Century, Manulife policy is one of our best Visitor to Canada Medical Insurance Plans. It can be purchased prior to arrival for immediate coverage on arrival,  with no age limit.  It can also be purchased after arrival, subject to a waiting period as described below. Unlike most visitors plans,  it can cover stable pre-existing conditions  right up to age 85, as defined in the policy. 

Applicants age 60 -85 will have to answer "no" to five short questions on the Medical Declaration in order to qualify for Stable Chronic Condition coverage. Younger visitors will have to have stable medical conditions (details in policy wording).  All ages 86 and above must complete the questionnaire but ages 86 can not be covered on Stable Chronic Care Conditiions.

Yes, there is a difference in coverage with Visitors Insurance plans. Always ask your Broker if Pre-existing medical conditions can be covered! This plan DOES cover stable chronic conditions as outlined in the policy wording. (up to age 59, optionally age 60-85)

Manulife  Insurance "brands" different programs. This particular program is another Manulife variation sold by over 700 Agents and Brokers, including our office. The premium rate charged by all 700 plus Brokers through this program are exactly the same.  We are proud to be one of the  oldest  and largest producing Brokers contracted with 21st Century Travel Insurance Ltd.

You can purchase Manulife Insurance Visitors to Canada Medical Insurance from us via E mail, scanned e mail, fax or phone, or can download  the following policy and rate information to study before you buy!  We do recommend you speak with one of our Brokers prior to purcahse.  You should get a response either the same day, or next day at the latest. Coverage is bound as soon as I confirm this to you. The original policy, receipt and ID card  is always mailed out via Canada Post.
 


Medical Declaration  -required for age 60-85 applying for Table 1 pre-existing conditions  -SCCC

FULL POLICY WORDING FOR NEW POLICIES Effective Oct 3 2016- yOU CAN PRINT OUT THIS WORDING TO REVIEW POLICY TERMS, CONDITIONS, EXCLUSIONS, AND COVERAGE.

    New: SIDE TRIPS WORLD WIDE FOR VISITORS TO cANADA. rEAD THE CONDITIONS

Visitors Claims Form: Claim Form

21st Century Manulife Visitors Brochure

21st Century Visitors Application for Insurance

21st Century Manulife Visitors Rate Card Version 8
 


Maximum Coverage Period

Coverage is available under a policy for 365 days in total for ages up to 85. For those age 86 and older, coverage can be purchased  to insure up to the first 180 days following the date of a arrival in Canada from your country of origin. A "Wating Period" may apply at any age; review the policy carefully for complete description.

Maximum limit  now available is $150,000 per person to age 80, $100,000 81 and over.

Additional $50,000 of coverage is available for Accident claims when the $100,000 option is chosen.

$10,000. Accidental Death & Dismemberment is automatically included for ALL applicants.

All Applicants up to age 85 use Table 1 when applying for stable chronic conditions coverage. You will have be able to answer No on the questionnaire at ages 60-85 to qualify for Table 1 cov er.

21ST CENTURY TRAVEL INSURANCE LIMITED RATE PER DAY/PERSON- MINIMUM POLICY OR EXTENSION PREMIUM IS $25.00 PER POLICY  (Family rate=double highest single)

Rates with Regular Deductible of $50 ($500 age 86+)

Table 1 - SCC Rates - All rates in this table DO include coverage for "Stable Chronic Conditions"

Is Med Decl Required?

No

Yes

No

Age

Up to 25 years

26 to 34 years

35 to 39 years

40 to 54 years

55 to 59 years

60 to 64 years

65 to 69 years

70 to 74 years

75 to 79 years

80 to 85 years

86 and older

$10,000

$1.87

$2.04

$2.09

$2.26

$2.37

$3.37

$3.61

$5.50

$6.71

$10.07

n/a

$15,000

$2.28

$2.36

$2.47

$2.62

$2.95

$3.76

$4.50

$6.85

$7.95

$11.32

n/a

$25,000

$2.30

$2.52

$2.62

$2.98

$3.10

$4.15

$4.95

$7.40

$9.10

$13.75

n/a

$50,000

$2.75

$2.85

$3.05

$3.40

$3.67

$5.05

$5.60

$8.57

$11.25

$16.50

n/a

$100,000

$3.50

$3.75

$4.00

$4.90

$5.25

$6.60

$7.50

$10.90

$13.40

$20.00

n/a

$150,000

$4.10

$4.57

$5.00

$5.81

$6.67

$8.80

$11.55

n/a

n/a

n/a

n/a

Table 2 - Standard Rates - All rates in this table DO NOT include the "Stable Chronic Condition" Option.

Is Med Decl Required?

No

Yes

Age

Up to Age 59

60 to 64 years

65 to 69 years

70 to 74 years

75 to 79 years

80 to 85 years

86 and older

$10,000

See Above

$3.04

$3.26

$4.46

$5.28

$6.66

$10.71

$15,000

$3.40

$4.00

$5.60

$6.60

$8.90

$12.54

$25,000

$3.75

$4.45

$6.66

$8.07

$10.06

$14.76

$50,000

$4.50

$5.06

$7.72

$9.80

$11.90

n/a

$100,000

$5.90

$6.75

$9.80

$12.10

$14.00

$32.00

$150,000

$8.00

$10.50

n/a

n/a

n/a

n/a

         
Deductible Options up to age 85                
Rates with $0 Deductible    Apply 5% surcharge          
Rates with $250 Deductible  Apply 10% discount          
Age means on the effective date of the policy                      
                     

* Available for 365 days on super visa  86-89 and have been insured with 21st Century with an aggregate policy limit of $100,00 within the 18 months preceding the purchase date of this policy.

There is a standard $50.00 deductible on ages to 85. On ages 86 and above there is a $500. deductible.  For ages to 85 wishing a $0. deductible add 5% to the premium and advise us 0 is required.

An optional  $250 deductible results in a 10% premium discount.

What is the Stable Chronic Condition Option?

When this option is automatically included  to age 59 in Table 1 or purchased for the extra premium in Table 2 on ages 60-85, the Pre-Existing condition exclusion will not apply to Insured Services incurred after any applicable Waiting Period to respond to a Stable Chronic Condition (as defined in the policy)

Note that, even with this option included, conditions that do not fit the definition of Stable Chronic Condition are still subject to the regular exclusion (reproduced below).

Pre-existing Condition Exclusion:  Sample.  Refer to whole policy document for full details

We will not reimburse you for insured services or pay an

Accidental Death and Dismemberment claim and/or any other

expenses arising after any applicable waiting period, from:

1. any sickness, disease, symptom, or injury:

i) for which medication has been taken, received or

prescribed; or

ii) for which treatment has been received or prescribed; or

iii) which has either been newly diagnosed or has

presented with new symptoms or existed,

in the 180 days preceding the effective date.

Important Note regarding Exclusion #1 - A stable chronic

condition is covered under the policy if you: a) are under 60

years of age on the effective date of your coverage; or b) are

60 to 85 years of age on the effective date of your coverage,

completed the Medical Declaration and truthfully and

accurately answered NO to each question, and paid the

required premium to purchase the stable chronic condition

option.

2. any sickness, disease, symptom, or injury:

i) when you knew, prior to your effective date, that you

would need or be required to seek treatment for that

medical condition during your trip; and/or

ii) for which, prior to your effective date, it was

reasonable to expect that you would need treatment

during your trip; and/or

iii) for which future investigation or treatment was

planned prior to your effective date; and/or

iv) which produced symptoms that would have caused an

ordinarily prudent person to seek treatment in the 180

days prior to the effective date; and/or

v) that had caused your physician to advise you not to

travel; and/or

vi) that presented, recurred or was treated during any

temporary return to your country of origin during the

Coverage Period as is permitted only if you are a holder

of a multi-entry PG-1 VISA during your Coverage Period.

NOTE: Under Exclusion #1 and #2, each time you purchase

another policy from us, each new policy will have a new

effective date and these exclusions will apply to that new

effective date.

 

Please refer to complete policy wording for full details at http://www.ecanadianinsurance.com/21stCenturyPolicyWording.pdf


APPLICATION: VISITORS TO CANADA HEALTH INSURANCE

(if e mailing application, copy and paste into your e mail, or scan application and  e mail in, faxes also accepted)
Eligibility  and Premium rates:

“You” are not eligible for coverage under this policy if:
• a “physician” has advised “you” not to travel;
• “you” have been diagnosed with a terminal illness with less
than two (2) years to live;
• “you” have a kidney condition requiring dialysis; and/or
• “you” have used home oxygen during the 12 months prior
to the date of application.
Provided “you” are under “age” 60, “your” “stable chronic
condition” coverage is automatically included without
completing a Medical Declaration.
If “you” are “age” 60 to 85, a Medical Declaration must be
completed to determine if “you” are eligible for the “stable
chronic condition” coverage. If you are eligible and purchasing
this option, “you” must pay the required "stable chronic
condition" coverage premium. If “you” waive or are ineligible
for this option, no Medical Declaration is required and “you”
must pay the required standard rates.
If “you” are “age” 86 or over, a Medical Declaration is required
to determine “your” eligibility for any coverage under this
policy. If you are eligible to purchase this insurance, “your”
policy does not include the “stable chronic condition” coverage
and “you” must pay the required standard rates.
One or more persons may be insured under one policy.
However, the “effective date” and “expiry date” must be
identical for all applicants. Each applicant must pay their
appropriate individual premium unless “family” rates apply.
An application cannot contain more than two applicants


Insured         (family name)             (first name)               (date of birth)

1)_____________________________________________________________________________

2)_____________________________________________________________________________

3)_____________________________________________________________________________

Country of Origin:__________________________ Name of Sponsor____________________

check only one:   ( ) New Immigrant  ( ) Returning Canadian(s)  ( ) Visitor  ( )Work/student  ( ) Other_____________

Check only one:  (  ) Prior 21st Century Travel Insurance Policy #__________(  ) None

Do I need to complete the Medical Declaration?

Under age 60- Rate Table 1, Medical Declaration not required

Age 86 and over: Rate Table 1, Stable Chronic Condition Option not available but must complete Medical Declaration

Age 60- 85: Rate Table 2 for new conditions, choose Rate Table 1 to cover pre-existing conditions, and requires "no" answers to Medical declaration

( ) I would like to apply for Table 1 stable chronic conditions 

( ) I do not wish to apply for Table 1 stable chronic conditions, age 70- 85

()  $0. Deductible Option requested to age 85. Add 5% to premium.

() $250 Deductible Option, delete 10% to age 85.

Medical Declaration  -to be used  for ages  60-85, must be downloaded, signed and faxed to Ray Battiston . Applicants age 60-85 answering "yes" are not eligible for Table 2 stable chronic condition coverage. Please contact Ray Battiston for further review.   Age 86 plus must complete this Declaration.    

For Visitors  who are already in Canada and have other coverage during the first part of their trip- they can apply under the Special Eligibility Questionnaire to apply to waive the waiting period. Please allow at least five business days for this approval. Proof of other coverage will be required


Address in Canada ___________________________________________________________

Home Address  _____________________________________________________________

Phone Number Residence____________________________________Business______________Fax________________

E Mail__________________________________Web page__________________________

Arrival Date in Canada________________________________

Effective Date___________ Expiry Date ________________Number of days_____________

COVERAGE

________________________________________________________________________________

PLAN  Limit _____# OF PERSONS_____ RATE/PERSON__ NO. of DAYS____ PREMIUM____
Family rate is twice the older adult premium rate and list all Applicants on the App.  A "Family" is defined as three or more of Parent(s), or legal guardian(s) and their unmarried children under Age 21 who are visiting Canada with them and dependent on them for their sole means of financial support.

Premiums paid determines coverage purchased.  Minimum premium of $25.00.  Age means the age on the effective date of the policy.
________________________________________________________________________________

    $10,000._________________  X_____________X___________  =$___________________
    $15,000.__________________x______________x____________=$__________________

   . $25,000.__________________x______________x____________=$__________________
     $50,000___________________x_____________x____________=$__________________

     $100,000.__________________x_____________x____________=$__________________

     $150,000, _________________x______________x____________=$_________________

  
This certificate is an extension of Certificate #________________________________ Total coverage must not exceed 365 days.

__________________________________________________________________________________
DATE OF APPLICATION    DAY MONTH YEAR TIME OF ISSUE          ____________AM/PM

__________________________________________________________________________________
SIGNATURE OF APPLICANT OR SPONSOR

X________________________________________________

PREMIUM PAYABLE TO RAY BATTISTON INSURANCE OR BY VISA OR Master Card

(CIRCLE CHOICE) CARD #________________________________ EXPIRY DATE_________

SIGNATURE OF CARDHOLDER X___________________________                                     NAME of cardholder__________________

CREDIT CARD PAYMENT PLEASE FAX TOLL FREE IN NORTH AMERICA TO RAY BATTISTON 1-866--614-8753 begin_of_the_skype_highlighting 1-866--614-8753 FREE  end_of_the_skype_highlighting or scan e mail.

x_____________________________________________
Medical Declaration This app can  be used for applying for chronic conditions coverage ages 60-85. The new Medical Declaration is not yet available.  However, the questions do not change other than the addition of the word “congestion” before “heart failure” in Question 1.  We will now ask about “congestive heart failure”, which is a much more specific medical problem.  Also, it will now be used for Stable Chronic Condition coverage up to age 85 and ANY coverage age 86 and over.

For age 86 plus, if there are any "yes" answers on the Medical Declaration, no coverage of any kind is available form 21st Century.

For visitors who have been in Canada over 30 days, or have let their Manulife policy lapse longer than 3 days  there will be an additional waiting period on sickness as outlined in the policy wording.


EXTENSION REQUESTS SHOULD BE MADE PRIOR TO EXPIRY FOR CONTINUED INSURANCE.  EXTENSION PREMIUMS ARE NOT GUARANTEED.


MINIMUM POLICY OR EXTENSION PREMIUM IS $25.00 PER POLICY  (Family rate-double highest single)

Full Policy Wording on  policies purchased on or after  July 14 2014

Visitors to Canada Medical declaration-for chronic care application age 60-85, and all ages 86 and over for table 2 rates (new conditions only) Visitors Medical Declaration, 60-85

Visitors Claims Form: Claim Form

Cancellation requests:

CANCELLATION REQUESTS ARE CONSIDERED PROVIDED NO CLAIM HAS TAKEN PLACE AND THERE IS MORE THAN $25.00 IN PREMIUMS PAID IN ADVANCE.  21ST cENTURY REQUIRES PROOF OF DEPARTURE, OR PROOF OF cANADIAN GOVERNMENT INSURANCE WITH A LETTER STATING CANCELLATION DATE REQUEST AND CLAIM WILL NOT BE FILED. tHIS SIGNED LETTER  AND PROOF CAN BE FAXED OR SCANNED AND E MAILED TO US. 21ST. CENTURY CHARGES A $25.00 CANCELLATION PENALTY FOR EARLY POLICY CANCELLATIONS.
______________________________________________________________________________________
Disclaimer: This is a brief description only. Refer to actual policy wording for full details. Policy is not in force until counter signed and issued by Ray Battiston, Insurance Broker
 


Phone toll free in North America 1-800-526-7420     EMAIL:mailto:Ray@IceColdNorth.com

Insurance Plans sold: "Per Trip" and multi trip Out of Canada Medical Insurance, Visitors Medical Insurance Plans, Air Flight Accident, 24 Hour Accidental Death & Dismemberment, Baggage, Trip Cancellation and Interruption, Expatriate Medical, Rental Vehicle Damage, Group, Dental, Extended Health.

Contact me today  for personal service on your Travel Medical, Visitors and Expatriates Insurance requirements

Ray Battiston, BA, CAIB, CIP  Canadian Travel Medical Insurance Broker
Box 510 7 Red Haven Drive St Davids On L0S 1P0 Canada
1-800-526-7420 Toll Free North America
Business: 1 -905-262-6575
FAX  1-8666-14-8753
Ray@IceColdNorth.com

 Business Hours: 9 am: 5 PM Mon-Friday EST.  Closed holidays.  We cannot promise, but we may be able to return calls on holidays and weekends if we are available.

I
                                            ... 
 
 

Disclaimer: Please refer to policies for complete details. It is recommended you speak with a qualified Insurance Broker prior to purchase. On line policy information is available for your  personal research. Call us or e mail us first before making your buying decision!


  • mailto:Ray@IceColdNorth.com  
  •  

    Important Links
    Select one of the headlines below to view.

     Travel Medical Newsletter 2016 Season - What's Happening?

      Meet your Broker, Ray Battiston

    Canadian Travel & visitors Links

    Google
    Google Maps, Google Satellite Views

    Consular Affairs - Information & Assistance for Canadians Abroad

    Citizenship & Immigration Canada

    Traveller's Information - Roads, Ontario, Canada

    Canadian Embassy - Washington, DC

    United States Embassies, Consulates World Wide

    Yahoo News- World wide, Local, Travel, Sports, Entertainment, Tech, Science, Health, Politics, Most Popular

    Cape Cod Times - On line newspaper - daily edition

    Free Adobe Reader to open PDF files    

    PORTFOLIO
     Out of Canada Medical Travel
    VISITORS, IMMIGRANTS
    MANULIFE  VISITORS RATES, APP, WORDING
    CANADIAN SNOWBIRD INSURANCE
    EXPATRIATE WORLD WIDE MEDICAL
    24 HOUR A D & D
    GROUP TRAVEL MEDICAL
    GROUP TRAVEL SIGN UP
    Inter Provincial Travel
    Pre-Existing Conditions covered on short trips under 36 days & age 70 & less
    Insurance FAQS
     
    PSHCP $5,000,000 Annual Supplement
    Allianz Global Assistance  International Student Hospital & Medical Plans-Studying in Canada

     

     

     

    •  
     
     
     
     
    (c) 1996-2016, Raymond Battiston.  Revised   Oct 11 2016.