21st. Century Travel Insurance Ltd, underwritten by Manulife Financial

Applicants age 70 -85 will have to answer "no" to four 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).

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 69, optionally age 70-85)

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 70-85 applying for Table 2 pre-existing conditions

FULL POLICY WORDING FOR NEW POLICIES Effective june 15 2009 - 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
 

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.

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 us Table 1 unless Age 70-85 and applying for "stable chronic condition" Option.

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 option $250 deductible results in a 10% premium discount.

What is the Stable Chronic Condition Option?

When this option is automatically included  to age 69 in Table 1 or purchased for the extra premium in Table 2, 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:

“We” will not reimburse “you” for “insured services” or pay an Accidental Death and Dismemberment claim arising from:

Manulife VISITORS INSURANCE POLICY HIGHLIGHTS* New plan June 15 2009

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” 70, the “stable chronic condition” option in Exclusion #1 relating to “stable chronic conditions” automatically applies to “you”. No Medical Declaration is required.

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 70- 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 70- 85: Rate Table 1 for new conditions, choose Rate Table 2 to cover pre-existing conditions, and requires "no" answers to Medical declaration

( ) I would like to apply for Table 2 stable chronic conditions 

( ) I do not wish to apply for Table 2 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 70-85, must be downloaded, signed and faxed to Ray Battiston . Applicants age 70-85 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 1-888-751-5124 or 705 752-5198

x_____________________________________________
Medical Declaration This app can  be used for applying for chronic conditions coverage ages 71-85. 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  June 15 2009

Visitors to Canada Medical declaration-for chronic care application age 70-85, and all ages 86 and over for table 1 rates (new conditions only) Visitors Medical Declaration, 70-85

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:raybattiston@on.aibn.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  Insurance Broker
151 Osprey Cres, Callander, Ontario P0H 1H0 Canada
1-800-526-7420 Toll Free North America
Business: 1 -705-752-1723
FAX  1-705-752-5198
raybattiston@on.aibn.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.