21st Century Super Visa insurance review

Where 21st Century stands out

The headline strength is price on the 70-to-79 band. For visitors in their 70s — a band where premiums climb steeply across the market — 21st Century is frequently the lowest-cost option for comparable coverage. For a family stretching to fund a year of insurance for a parent in their mid-70s, that gap can amount to several hundred dollars, which is exactly why the carrier earns a place on so many shortlists.

Importantly, the low price does not mean dropping pre-existing protection. 21st Century offers plans with pre-existing condition coverage, subject to the usual stability requirements, so price-sensitive families do not have to choose between an affordable premium and covering a managed condition. That combination is what sets it apart from carriers that are cheap only because they exclude more.

Watch-outs before you buy

The trade-off for the keen pricing is a smaller assistance team. Call wait times can stretch during busy periods — the fourth quarter in particular, when application volume peaks. The coverage itself is sound, but families who expect a lot of hand-holding, or who want fast support if a claim arises, should factor in that the service experience may not match the largest carriers. For many healthy visitors who never need to call, this never becomes an issue.

Who 21st Century is best for

21st Century is the strongest pick for price-sensitive families with healthy visitors over 70 — applicants who want the required coverage at the keenest premium and are comfortable trading a little service speed for the saving. For visitors who expect frequent support or who have complex conditions needing close handling, a carrier with a larger assistance team may be a better fit.

How to compare 21st Century fairly

Confirm that the cheaper premium covers what the visitor actually needs: match the coverage amount, deductible, and stability period to the other carriers on your shortlist before judging on price alone. Read how pre-existing conditions are handled so the stability terms are clear, and check cost by ageto see how 21st Century's pricing compares for the 70s. The full Super Visa guide covers the IRCC requirements, and best carriers by need shows where 21st Century leads and where another carrier may serve better.

A licensed broker in our network can confirm whether 21st Century is genuinely the lowest-cost fit for the visitor and explain the service trade-off — at no cost to compare.