---
title: "21st Century Visitors to Canada Insurance Review 2026: Real Rates & Terms"
description: "Independent review of 21st Century Enhanced V11 visitor insurance: verified 2026 rates by age, pre-existing condition coverage, deductible discounts, and policy pros & cons."
tag: "Insurer Reviews"
lang: "en-CA"
slug: "21st-century-visitor-insurance-review"
canonical: "https://visitorquote.com/en/articles/21st-century-visitor-insurance-review"
published: "2026-09-11"
updated: "2026-09-11"
---

# 21st Century Visitors to Canada Insurance Review 2026: Real Rates & Terms

Updated 2026-10-28 · 4 min read

Profile

Family visitor

Super Visa

New immigrant

Student

Age

Stay (days)

Coverage

$50K

$100K

$200K

$500K

$1M

Compare now

## Brand Overview

180-day pre-existing condition stability period, Chinese-language service, competitive pricing.

**Strengths:** Strong price competitiveness and a 180-day stability period.

## Core Policy Terms

| Term | 21st Century |
| --- | --- |
| Pre-existing stability period | 180 days |
| Deductible type | Per Policy |
| Waiting period | None if bought before arrival |
| Direct billing | Available |

## Price Analysis

21st Century's price depends on age, coverage amount, deductible, and length of stay. Enter your specific details in the comparison table to see real prices.

## Pros and Cons

**Pros:** Strong price competitiveness and a 180-day stability period.

**Cons:** Less brand recognition than TuGo or Manulife.

## Who It Suits

21st Century suits travellers who value the following: Strong price competitiveness and a 180-day stability period.

## Frequently Asked Questions

### Is 21st Century visitors insurance good?

21st Century has a 180 days pre-existing condition stability period. Strong price competitiveness and a 180-day stability period. Check the comparison table for real prices.

### How are 21st Century's claims?

The claims process is similar to other insurers: contact the assistance centre before treatment, keep receipts, and submit online. Usually paid within 2-4 weeks.

## Related guides

- [TuGo vs Manulife Visitor Insurance: 2026 Rates, Pre-Existing Terms & Verdict](https://visitorquote.com/en/articles/tugo-vs-manulife-comparison)
- [TuGo vs GMS Visitors Insurance: Which Is Better?](https://visitorquote.com/en/articles/tugo-vs-gms-comparison)
- [TuGo vs 21st Century Visitors Insurance: Which Is Better?](https://visitorquote.com/en/articles/tugo-vs-21st-century-comparison)

This article is compiled from public information and is not insurance advice. The policy in force at the time of application governs.