TripCovered vs 21st Century: travel insurance compared

When you are weighing TripCovered against 21st Century, the useful comparison is plan-by-plan and feature-by-feature, using details you can verify. This is especially true if your need is visitor or Super Visa coverage, where specific rules apply.

Confirm the coverage types

Start by checking each provider offers a plan for your situation. Our range covers Emergency Medical in single-trip and multi-trip annual forms (Worldwide, Excluding USA and Within-Canada), Visitors to Canada including Super Visa, Student plans, Trip Cancellation and Interruption (with Trip Interruption Only and Cancel for Any Reason), an All-Inclusive Holiday Package, Baggage, Rental Car Protection and AD&D, plus optional Sports & Activities. Identify the exact plan you need and confirm it is on offer before comparing further.

For Super Visa and visitors, check the rules

If you are insuring a visiting parent or grandparent, the IRCC requirements are the same whatever the provider: at least $100,000 in emergency medical coverage, valid for 365 days from the date of entry, from a Canadian insurer. We offer Visitors to Canada coverage that includes Super Visa. Whichever provider you compare, confirm the specific plan clearly meets all three rules, and check the confirmation document shows the insured person, the coverage amount and the dates. Also ask about the refund of premium if the visa is refused, which many such policies allow subject to the wording.

Compare limits and exclusions

For any emergency medical coverage, look at the limit, any deductible, and the exclusions. Remember the backdrop for Ontarians: OHIP pays little or nothing outside Canada and never up front, so the plan’s limit should be high. Pay close attention to how each plan defines and applies the stability period for pre-existing conditions, since that window before departure often decides a claim. Read the wording rather than the summary.

Weigh the assistance and claims service

The assistance line and claims process are what you actually use in an emergency. Our underwriting partner provides 24/7 emergency assistance in multiple languages, has operated since 1964, settles claims through its own service, and offers support such as telemedicine via 1.800MD or Maple and MyFlyt flight-delay assistance. Compare how each provider delivers assistance and handles claims, as that experience matters most when you are stressed and far from home.

Check eligibility and the questionnaire

Eligibility rules affect price and terms. With TripCovered there is no age limit, no medical questions under 60, and a Medical Questionnaire for those 60 and over that sets the premium rather than eligibility — which is relevant for visiting parents and grandparents, who are often older. Compare how each provider approaches eligibility and underwriting for the person being covered.

Compare equivalent quotes

Price depends on age, destination, trip length, coverage amount and health, so neither provider is simply cheaper in the abstract. Get a quote from each for the same coverage and dates, and compare like with like. For a Super Visa in particular, make sure both quotes reflect the full 365-day term and the required coverage amount, so you are comparing plans that actually satisfy the application.

Confirm the coverage meets your needs — and the IRCC rules if it is a Super Visa — weigh the service, and compare equal quotes. Compare your options and get a quote to see how coverage and price line up for your trip.