Travelance vs 21st Century super visa insurance: side by side

Travelance Premier was the lower of the two at 55 ($1,716 against $1,891) and 65 ($3,030 against $3,095) on 18 October 2026; 21st Century Enhanced was lower at 75 ($5,712 against $6,161). Both are monthly-plan carriers with a two-month deposit. Travelance refunds a refused applicant with no fee and pays $10,000 for prescriptions, but excludes heart, brain and lung conditions from 70. 21st Century has a $50 fee, a two-year rate lock and cover to 85.

Both qualify under the IRCC rule at $100,000 for a year. Full reviews: Travelance and 21st Century.

Who is the insurer behind each plan?

Both are Ontario managing general agents selling through brokers, and neither is the insurer. Travelance’s plans are underwritten by Old Republic Insurance Company of Canada; 21st Century’s by The Manufacturers Life Insurance Company. Travelance runs its own assistance centre; 21st Century’s runs through Manulife’s Active Care Management.

Sources: Travelance brochure, 21st Century brochure and HelloSafe. See underwriters explained.

What does each cost by age?

Travelance was lower at 55 and 65, and 21st Century at 75, where Travelance was the second-most expensive of eight carriers. BestQuote did not publish Travelance at 60 or 70. On deductibles, Travelance’s discount runs to 45 percent and 21st Century’s to 40.

Annual premium, $100,000 coverage, $0 deductible, stable pre-existing conditions covered, rates seen 18 Oct 2026 — verify at quote time.

Sources: BestQuote and PolicyAdvisor. Without pre-existing cover, 21st Century Basic was $1,387 at 55, $1,807 at 65 and $3,347 at 75; Travelance Essential rates were not published. A Travelance family pays twice the eldest person’s premium; 21st Century gives 5 percent per companion. See the cost page.

How do the monthly plans compare?

Both collect two months’ premium at application. Travelance adds a $60 to $100 non-refundable billing fee but treats the deposit as refundable and applies it to the last two payments; 21st Century adds a $50 non-refundable policy fee and keeps the deposit once the parent has arrived. 21st Century also sells a 730-day policy that locks the rate for two years.

Sources: PolicyAdvisor monthly plans, PolicyAdvisor Travelance review and HelloSafe. IRCC accepts instalments with a deposit paid; a lapse leaves the parent uninsured at the border. See monthly plans.

How do the age and stability rules compare?

Both use 180 days’ stability. The difference is above 70: Travelance excludes any heart, brain or lung condition present in the prior 180 days from 70 to 79, caps cover at $100,000 from 70 and excludes all pre-existing conditions from 80. 21st Century Enhanced covers stable conditions to 85 with a questionnaire from 55.

Sources: PolicyAdvisor Travelance review and PolicyAdvisor 21st Century review. The Travelance carve-out catches most hypertension and cardiac cases at 70 and over; see pre-existing conditions.

What are the benefit limits?

Travelance Premier pays more almost everywhere: $10,000 for prescriptions against $1,500, $16,000 for repatriation of remains, $100,000 AD&D and 45-day side trips. 21st Century offers a higher $200,000 ceiling and adds $50,000 of injury cover on the $100,000 option.

Sources: PolicyAdvisor Travelance review and 21st Century brochure.

How do refunds compare?

Travelance has the most generous refusal refund of the carriers we track: unused premium, no fee, proof within 30 days. 21st Century refunds the deposit less $50. Outside refusal both charge $250 to cancel before the start; Travelance charges $50 for an early return and 21st Century $25 per refund of unused months.

Sources as above. The full fee table is on cancellation fees by insurer. Claim steps: 21st Century.

Which profile does each plan fit?

Travelance fits a parent 55 to 69 with stable conditions on a monthly plan, a family that wants the no-fee refusal refund, and a parent on costly prescriptions. 21st Century fits a parent 70 to 85, a two-year stay, and anyone with a cardiac, neurological or respiratory history over 70.

Neither plan is sold on SuperVisaDirect; the plan we sell is TuGo, and the 2026 comparison shows all three side by side. For 21st Century against its own underwriter’s retail brand, read 21st Century vs Manulife CoverMe.