Rimi Plan Details

Comprehensive emergency medical insurance for visitors, immigrants, and Super Visa applicants

Get Quote Now Rimi Policy Wordings Rimi Standard vs. Enhanced Plan

Benefits

The range of coverage and services included in the policy, such as medical expenses, emergency care, trip interruption, and more.

Benefit Category	Standard Plan	Enhanced Plan
Emergency Medical	Up to selected policy limit	Up to selected policy limit
Hospital Accommodation	Ward	Semi-private
Medical Services	Included	Included
Diagnostic Services	Included	Included
Prescription Drugs	30 days • Up to $500/prescription	30 days • Up to $1,000/prescription
Private Duty Nurse	Up to $5,000	Included
Paramedical Services	Up to $300/service	Up to $500/service
Emergency Dental	$1,000 accidental • $300 pain relief	$3,000 accidental • $500 pain relief
Medical Appliances	Up to $5,000	Up to $5,000
Follow-up Visits	Up to 3 visits	Up to 3 visits
Emergency Transportation	Included	Included
Repatriation of Remains	$5,000 transport • $2,500 burial/cremation	$10,000 transport • $5,000 burial/cremation
Accidental Death & Dismemberment	$50,000	$50,000
Flight Accident	$50,000	$100,000
Hospital Allowance	—	$50/day • Max $500
Transportation to Bedside	—	Economy airfare + $150/day • Max $3,000
Meals & Accommodation	—	$150/day • Max $3,000
Return & Escort of Children	—	Economy airfare included
Excess Baggage Return	—	Up to $500
Policy Limits Available	$25K • $50K • $100K • $150K • $500K • $1M	$25K • $50K • $100K • $150K • $500K • $1M

Specific Conditions

Any medical conditions, illnesses, or injuries that you had before purchasing the insurance policy. Coverage for these may be limited or subject to specific terms.

Important Note	Details
Emergency Coverage Only	Coverage applies to unexpected medical emergencies only
MSH Assistance Requirement	MSH Assistance must be contacted before treatment or within 24 hours of hospitalization
Pre-Approval Required	MRI, CAT scans, surgery, air ambulance, and certain treatments require MSH approval
Medical Stability	Pre-existing conditions must remain stable during required stability period
Emergency Ends Rule	Coverage ends once medically stable to return home or discharged
Country of Origin	No coverage inside your country of origin
Side-Trip Limits	Minimum 51% of coverage period must be spent in Canada • Maximum 30 days outside Canada per visit
Medical Transfer	Refusing approved transfer or repatriation may end coverage
Medical Disclosure	Incorrect or incomplete medical information may affect coverage or claims

Eligibility

The criteria you must meet to purchase or be covered under the insurance plan, such as age limits, residency status, or travel requirements.

Eligibility Criteria	Details
Eligible Applicants	Visitors to Canada • Work/Student visa holders • New immigrants awaiting provincial coverage
Age Eligibility	Must be at least 15 days old and under 90 years old
Travel Restrictions	Must not travel against physician advice or have terminal illness
Medical Restrictions	No undiagnosed symptoms or known reason to seek medical treatment
Activities of Daily Living	Must not require assistance with daily living activities
Cancer Restrictions	No pancreatic, liver, lung, brain, or metastasized cancer
Kidney / Organ Restrictions	No dialysis or organ/bone marrow transplant within last 24 months
Home Oxygen	No home oxygen use within last 12 months
Coverage Period	Maximum 365 days
Side-Trip Coverage	Minimum 51% of coverage period must be spent in Canada • Maximum 30 days outside Canada per visit
Waiting Period (Within 30 Days of Arrival)	48-hour waiting period for sickness
Waiting Period (After 30 Days of Arrival)	8-day waiting period for sickness
Waiting Period Waiver	Waived if purchased before existing RIMI policy expires with no gap in coverage
Country of Origin	No coverage in country of origin

Refunds

The amount you may be eligible to receive back if you cancel your policy, depending on the timing and the insurer’s refund terms.

Refund Scenario	Details
Before Effective Date	Full refund before coverage starts • Administration fee may apply
Super Visa Refusal	Refund available with proof of Super Visa refusal
Early Return to Country of Origin	Partial refund for unused coverage days
Government Health Coverage	Partial refund if eligible for government health insurance plan
Refund Deadline	Written request required within 60 days
Supporting Documents	Proof of travel dates or government coverage required
Claim Restriction	Refund subject to policy conditions and insurer review

Extensions

The option to continue your coverage by extending the policy duration before it expires, subject to approval and conditions.

Extension Type	Details
Automatic Extension – Travel Delay	Up to 72 hours for delays beyond your control
Automatic Extension – Medical Condition	Extended if medically unfit to travel before expiry date
Automatic Extension – Hospitalization	Coverage continues during hospitalization + 72 hours after discharge
Policy Extensions	Request must be made before policy expiry
Eligibility for Extension	Must remain eligible and have no health changes or reason to seek medical attention
Claim Review	Insurer may review claims history before approving extension
Excluded Conditions on Extension	Conditions treated during original coverage may be excluded from extended period
Maximum Coverage Period	Maximum 365 days total coverage
Important Note	Extensions subject to insurer approval and policy conditions

Claims

The process of requesting reimbursement or payment from the insurance company for covered expenses during your policy period.

Claims Process	Requirements
Emergency Assistance	Contact MSH Assistance immediately before treatment or within 24 hours of hospitalization
Emergency Contact Numbers	Canada & USA: 1-800-203-8508 • Collect Worldwide: +1 (416) 646-3107
Failure to Notify	Benefits limited to 80% of eligible expenses up to $25,000 if MSH Assistance is not contacted
Pre-Approval Requirement	Surgery, diagnostic testing, MRI, CAT scans, and certain treatments require MSH approval
Required Documents	Claim form • itemized bills • prescriptions • medical records • travel proof • passport/travel dates
Claim Submission	Written proof of claim required within 90 days
Additional Information	MSH Assistance may request additional supporting documents
Death Claims	Beneficiary designation available for accidental death and repatriation benefits
Important Note	Claims subject to policy wording, exclusions, limitations, and insurer approval

Exclusions

Specific situations, treatments, or conditions that are not covered under the policy, which means no claim can be made for them.

Exclusion Category	Details
Pre-existing Conditions – Plan 1	No coverage for any pre-existing condition
Pre-existing Conditions – Plan 2	Conditions not stable during required stability period are excluded
Medical Treatment	Non-emergency treatment • ongoing/chronic care • rehabilitation • investigative testing • elective/cosmetic treatment
Travel Restrictions	Travelling against physician advice • terminal illness • treatment that can wait until return home
Country Restrictions	No coverage in country of origin • outside Canada beyond allowed limits
Pregnancy / Childbirth	Pregnancy or childbirth complications within 9 weeks before or after expected delivery date
Mental Health	Emotional, psychological, or mental conditions unless hospitalized
Substance Use	Alcohol, drugs, intoxicants, medication misuse, or non-compliance with prescribed treatment
High-Risk Activities	Professional sports • mountain climbing • parachuting • skydiving • racing • non-certified scuba diving
Illegal / Dangerous Acts	Criminal acts • self-inflicted injury • suicide
Travel Advisories	Government advisory to avoid all or non-essential travel
War / Nuclear Risks	War, terrorism, military action, radiation, nuclear contamination
Pre-Approval Requirements	MRI, CAT scans, surgery, and certain treatments without MSH approval
Important Note	Coverage subject to policy wording, exclusions, limitations, and insurer approval

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