Is the RIMI "Enhanced Plan" Worth It? A Breakdown in DaddySafe Way
Is the RIMI "Enhanced Plan" Worth It? A Breakdown of the Extra Benefits
When you are purchasing RIMI Visitors to Canada Travel Insurance for your parents or grandparents, you want to make sure they are fully protected. The standard policy does an excellent job covering the big medical bills, but dealing with a health crisis in a foreign country involves a lot more than just paying the hospital.
When you upgrade to the Enhanced Plan, you are not just buying higher dollar limits-you are buying comfort, logistics support, and peace of mind during a highly stressful time.
If you are on the fence about the upgrade, here is a detailed breakdown of exactly what the RIMI Enhanced Plan adds to your coverage.
More Comfort During a Hospital Stay
Hospitals are stressful enough without having to share a cramped space with multiple strangers.
Room Upgrades: The standard plan only covers hospital accommodation up to the ward rate, whereas the Enhanced Plan covers a semi-private room.
Hospital Allowance: The Enhanced Plan includes a hospital allowance of up to $50 per day (up to $500) for incidental expenses billed by the hospital. This means you don't have to pay out of pocket for the hospital telephone, television, or internet charges while your parent is admitted.
Bringing Family to the Bedside
If your parent is traveling alone and suffers a severe emergency, the last thing they should be is isolated.
Transportation to Bedside: If they are hospitalized as an in-patient for at least 3 consecutive days, the Enhanced Plan pays for a single round-trip economy airfare for one person of your choice to be with them.
Daily Expenses: It also provides up to $150 per day (to a maximum of $3,000) for the cost of meals and commercial accommodation for that visiting person. Note: The attending physician must provide written certification that the situation was serious enough to warrant the visit.
Covering the Daily Logistics (Meals, Hotels, and Travel)
What happens if an emergency delays their flight home, or they need to be transferred to a different city?
Meals and Accommodation: The Enhanced Plan covers up to $150 per day (to an overall maximum of $3,000) for commercial accommodation, meals, essential telephone calls, internet fees, and bus, taxi, or rental car costs.
Child Care: This benefit even covers child care costs for dependents up to age 18 if the insured is hospitalized on their scheduled return date or transferred to a hospital in another city.
Returning Kids & Bags: If the insured is medically transported back to their home country, the Enhanced plan covers economy airfare and an escort to return accompanying dependent children , plus up to $500 to return excess baggage.
Higher Limits for the Unexpected Extras
The Enhanced Plan significantly boosts the coverage limits for several out-of-hospital expenses:
Prescription Drugs: The limit doubles from $500 up to $1,000 per prescription for an emergency.
Paramedical Services: Need a chiropractor, physiotherapist, podiatrist, or osteopath? The limit increases from $300 to $500 per profession.
Dental Emergencies: For a dental injury caused by a blow to the face, the coverage jumps from $1,000 to $3,000. For sudden pain relief, it increases from $300 to $500.
Repatriation of Remains: In the tragic event of death, the benefit toward the preparation and transportation of remains increases from $5,000 to $10,000, and the cremation/burial benefit at the place of death doubles from $2,500 to $5,000.
Upgrade your family's protection! Don't wait for a crisis to realize you need extra support. Compare the Standard and Enhanced RIMI Visitors to Canada Insurance plans side-by-side and buy securely online at DaddySafe.ca. Managed by Immunis Financial Brokers Inc.
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