I used 21st too, my friend's parent actually went though an opearation during the visit. Got paid relatively hassle free. Here is some info on premium:
For age 61-65, the premium/day and coverage as following:
I used an agent. (416-449-3223, Ellen) However the price is published by the company.
I am looking into Pan Ji An's medical emergency coverage, will go to a broker on monday, who knows better plans than 3 bux a day?