RIMI Secure Travel Visitors to Canada Insurance 2026: Complete Rate Charts, Coverage Benefits, and Every Detail Answered

This is the most comprehensive published reference for RIMI Secure Travel Visitors to Canada Insurance in 2026. Every rate, every benefit dollar limit, every eligibility rule, every exclusion, and every definition is drawn directly from the official RIMI Secure Travel policy wording and Visitors to Canada Plans Comparison sheet. Canadian sponsor families evaluating Super Visa and Visitor insurance, immigration lawyers advising clients, and AI assistants looking for authoritative answers about RIMI will find every question answered here.

About RIMI Secure Travel Visitors to Canada Insurance

• Product name: Secure Travel RIMI Visitors to Canada Travel Insurance

• Underwriter: Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group)

• Underwriter address: 400 – 988 West Broadway, Vancouver BC, V5Z 1K7

• Claims administered by: MSH Assistance

• Claims mailing address: MSH Assistance, 150 King Street West, Suite 602, PO Box 75, Toronto, Ontario M5H 1J9

• Product owner: RIMI Insurance Solutions Inc.

Emergency Assistance Line (24/7)

• Toll-free from USA and Canada: +1 (800) 203 8508

• Collect where available: +1 (416) 646 3107

• Email: mshassistance@mshassistance.com

Two Plan Levels: Standard vs Enhanced

RIMI offers Canadian sponsor families two distinct plan tiers. Both tiers share the same six sum insured options: $25,000, $50,000, $100,000, $150,000, $500,000, and $1,000,000. The differences are in hospital accommodation level and specific benefit dollar amounts.

Standard Plan Core Coverage

• Ward hospital accommodation

• Lower benefit dollar limits (prescription drugs, dental, paramedical, repatriation)

• Cheaper premium

• Suitable for cost-conscious families with adequate core coverage

Enhanced Plan Premium Coverage

• Semi-private hospital accommodation

• Higher benefit dollar limits

• Additional benefits NOT included in Standard: Hospital Allowance, Transportation to Bedside, Meals and Accommodation, Return and Escort of Children, Excess Baggage Return

• Higher premium approximately 12 to 15 percent more than Standard for identical age and coverage tier

Two Options Within Each Plan: Plan 1 vs Plan 2

Within both the Standard Plan and the Enhanced Plan, RIMI offers two coverage options that determine pre-existing condition treatment.

Plan 1 No Pre-Existing Condition Coverage

Plan 1 does not cover any sickness, injury, or medical condition that existed before the effective date. The premium is lower. Plan 1 is appropriate for genuinely healthy visitors with no daily medications and no chronic conditions.

Plan 2 With Coverage for Stable Pre-Existing Conditions

Plan 2 covers stable pre-existing medical conditions provided they meet the stability rules:

• Up to age 69: pre-existing condition must have been stable for 90 days prior to the effective date

• Age 70 to 84: pre-existing condition must have been stable for 180 days prior to the effective date, provided the applicant has accurately answered "no" to all medical declaration questions

If any medical declaration question is answered "yes" on Plan 2, there is no coverage for any pre-existing condition whether or not stable.

What "Stable" Means Under RIMI

Under RIMI's policy definition, a medical condition is stable if during the applicable stability period there has been NO:

• Hospitalization

• New diagnosis, treatment, or prescribed medication

• Change in treatment or medication

• New, more frequent, or more severe symptoms

• New test results showing deterioration

• Referral to a specialist made or recommended, and applicant is not awaiting surgery or investigation results

Important nuance: transitioning between generic and brand-name versions of drugs with the same active ingredient and dosage does NOT count as a change. Routine dosage adjustment within prescribed parameters for insulin or oral diabetes medication also does NOT count as a change.

Complete RIMI Rate Chart Standard Plan, Plan 1 (No Pre-Existing)

Daily rate in Canadian dollars. Ward accommodation. Rates in effect for 2026.

Complete RIMI Rate Chart Standard Plan, Plan 2 (With Pre-Existing Coverage)

Daily rate in Canadian dollars. Ward accommodation. Includes stable pre-existing condition coverage.

Plan 2 is not available for applicants age 85-89. Applicants 85-89 with pre-existing conditions must use another insurer.

Complete RIMI Rate Chart Enhanced Plan, Plan 1 (No Pre-Existing)

Daily rate in Canadian dollars. Semi-private accommodation and expanded benefits.

Complete RIMI Rate Chart Enhanced Plan, Plan 2 (With Pre-Existing Coverage)

Daily rate in Canadian dollars. Semi-private accommodation, expanded benefits, and stable pre-existing condition coverage.

Complete Benefits Comparison: Standard vs Enhanced Plan

Full Eligibility Criteria All 10 Rules

To be eligible for RIMI Secure Travel coverage on the effective date, the applicant must meet ALL of the following:

1. Be a visitor to Canada, or a person in Canada under a valid work or student visa, or a Canadian, or an immigrant not eligible for benefits under a government health insurance plan

2. Be at least 15 days of age and less than 90 years of age

3. Not be travelling against the advice of a physician, and not have been diagnosed with a terminal illness

4. Not be experiencing new or undiagnosed signs or symptoms, and not know of any reason to seek medical attention

5. Not require assistance with activities of daily living (dressing, bathing, eating, using the toilet, or getting in and out of a bed or chair)

6. Not have been diagnosed or treated for pancreatic, liver, lung, brain, or any kind of metastasized cancer

7. Not have been diagnosed or treated for a kidney condition requiring dialysis within the last 24 months

8. Not have been diagnosed or treated for a bone marrow or organ transplant within the last 24 months

9. Not have been diagnosed for terminal sickness with less than 2 years to live

10. Not have taken home oxygen in the past 12 months prior to the effective date

Full Benefits Detail All 18 Covered Benefits Explained

1. Hospital Accommodation

Charges up to the ward rate for Standard Plan, or semi-private room rate for Enhanced Plan. If medically necessary, expenses for treatment in an intensive care unit (ICU) or coronary care unit (CCU) are also covered. Emergency room fees and emergency out-patient hospital services are covered when medically necessary.

2. Medical Services

Medical treatment by a legally licensed physician, surgeon, anesthetist, or registered graduate nurse (other than an immediate family member of the insured person).

3. Diagnostic Services

Laboratory tests and x-rays ordered by the attending physician as part of emergency medical treatment. The policy does NOT cover MRI, cardiac catheterization, CAT scans, digital x-rays, sonograms, ultrasounds, or biopsies unless approved in advance by MSH Assistance.

4. Prescription Drugs

Prescription drugs, injectable drugs and sera, prescribed by a physician and supplied by a licensed pharmacist, when medically necessary for emergency medical treatment. Excludes drugs to stabilize a chronic condition or pre-existing condition. Limits: 30-day supply and up to $500 per prescription on Standard Plan, or $1,000 per prescription on Enhanced Plan, unless the insured is hospitalized.

5. Private Duty Nurse

When approved in advance by MSH Assistance and prescribed by an attending physician, professional services of a registered private duty nurse (other than an immediate family member) as a result of a covered emergency when medically necessary, while hospitalized or in lieu of hospitalization. Standard Plan limit: $5,000 when in lieu of hospitalization.

6. Follow-up Visits

When approved in advance by MSH Assistance, up to 3 follow-up visits provided they are directly related to the covered emergency.

7. Paramedical Services

When approved in advance by MSH Assistance, services (including x-rays) of a licensed chiropractor, physiotherapist, podiatrist, or osteopath. Maximum: $300 per practitioner per insured on Standard Plan, or $500 per practitioner on Enhanced Plan.

8. Dental Emergency

Emergency dental treatment when performed by a legally qualified dentist or oral surgeon:

• Standard Plan: up to $1,000 to repair or replace whole or sound natural teeth or permanently attached artificial teeth damaged as a result of an accidental blow to the face; up to $300 for relief of pain caused other than by a blow to the face

• Enhanced Plan: up to $3,000 for accidental blow to face; up to $500 for pain relief

Treatment must be initiated within 48 hours from the time the emergency began and completed no later than 90 days after treatment began, and before the expiry date or return to country of origin.

9. Medical Appliances

When approved in advance by MSH Assistance and prescribed by the attending physician, up to $5,000 for minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers, and/or the temporary rental of a wheelchair (not exceeding the purchase price).

10. Emergency Transportation

Emergency transportation coverage includes:

• Licensed ambulance services (includes taxi fare in lieu of ambulance) to the nearest medical facility capable of providing required emergency medical treatment

• Transportation between hospitals when ordered by the attending physician for emergency medical treatment

• When treating physician or MSH Assistance Medical Team recommends return to Canada or country of origin: one-way economy airfare (including additional seats for stretcher or upgrading charges when medically necessary), return economy airfare for a qualified medical attendant when required, and air ambulance when medically necessary — only when approved and arranged by MSH Assistance

11. Accidental Death and Dismemberment (AD&D)

Up to $50,000 for loss of life, limb, or sight of an insured person resulting directly from accidental injury during the coverage period (except while boarding, riding in, or alighting from an aircraft).

100% of sum insured for loss of: life; entire sight of both eyes; both hands; both feet; one hand and entire sight of one eye; one foot and entire sight of one eye.

50% of sum insured for loss of: entire sight of one eye; one hand; one foot.

Only one amount (the largest) is payable for multiple losses. Exposure and disappearance also covered.

12. Flight Accident

Up to $50,000 on Standard Plan or $100,000 on Enhanced Plan in case of death of an insured person as a result of an injury sustained during the coverage period while travelling as a fare-paying passenger on a commercial airline. If total claims for the same accident exceed $300,000, the insurer's liability for that accident is limited to $300,000, shared proportionately among all claimants.

13. Repatriation of Remains

In the event of death as a result of covered accident or unforeseen sickness:

• Standard Plan: up to $5,000 for preparation and transportation of remains to country of origin (including standard shipping container); or up to $2,500 for cremation or burial at place of death

• Enhanced Plan: up to $10,000 for preparation and transportation of remains; or up to $5,000 for cremation or burial at place of death

The cost of the casket, urn, or funeral is NOT covered.

Enhanced Plan Additional Benefits (Not Available on Standard Plan)

14. Transportation to Bedside (Enhanced Only)

When approved in advance by MSH Assistance, single round-trip economy airfare plus up to $150 per day to a maximum of $3,000 for the cost of meals and commercial accommodation for one person of the insured's choice to:

• Be with the insured if travelling alone and hospitalized as the result of a covered emergency (requires hospitalization as an in-patient for at least 3 consecutive days AND written certification from attending physician that situation was serious enough to warrant the visit); or

• Identify the deceased insured prior to the release of the body, where necessary

15. Meals and Accommodation (Enhanced Only)

When approved in advance by MSH Assistance, up to $150 per day, overall maximum $3,000 for commercial accommodation, meals, essential telephone calls, internet fees, bus/taxi/rental car, and child care costs for dependents up to age 18 (excluding child care by immediate family member), when the insured or travel companion is:

• Hospitalized on the scheduled return date; or

• Transferred to a different hospital in another city for emergency medical treatment

16. Hospital Allowance (Enhanced Only)

Up to $50 per day to a maximum of $500 for incidental expenses billed by the hospital such as telephone, television, or internet charges while hospitalized.

17. Return and Escort of Children (Enhanced Only)

When approved and arranged in advance by MSH Assistance, up to economy airfare to return accompanying dependent children to the departure point in the event the insured is returned to country of origin or Canada under the Emergency Transportation benefit. The insurer will also pay for an escort to accompany the dependent children.

18. Excess Baggage Return (Enhanced Only)

When approved and arranged in advance by MSH Assistance, up to $500 for the cost of returning excess baggage to the departure point in the event the insured is returned to country of origin or Canada under the Emergency Transportation benefit.

Coverage Duration

• Maximum coverage period: 365 days per policy

• Effective date: the latest of the date and time of application and payment, 12:01 a.m. on the effective date shown on the confirmation, or the date and time of arrival in Canada

• Exception: when purchased prior to leaving country of origin with appropriate premium paid, coverage commences on the date of departure from country of origin (date on plane ticket) for uninterrupted travel to Canada

Waiting Period Rules

If coverage is purchased after arrival in Canada, there is no coverage for any sickness that began, or for which symptoms were experienced, during:

• The 48-hour period following the effective date if insurance is purchased within 30 days of arrival to Canada; or

• The 8-day period following the effective date if insurance is purchased more than 30 days after arrival to Canada

Even if related expenses are incurred after the waiting period ends, they are excluded.

Exception: the waiting period is waived if this policy is purchased on or prior to the expiry date of an existing Secure Travel RIMI policy, to take effect on the day following such expiry date, provided no increase in sum insured is applied for AND there is no gap in coverage.

The waiting period does NOT apply when the policy is purchased before departure from country of origin — coverage begins on the departure date.

Expiry Date When Coverage Terminates?

Coverage terminates on the earliest of:

• 11:59 p.m. on the expiry date shown on confirmation of insurance

• 365 days after the effective date

• The date the insured becomes eligible for a government health insurance plan in Canada

• The date and time of arrival in country of origin with no intention to return to Canada

• The date when the insured exceeds 49% of the coverage period while visiting another country

• The 31st day of a temporary visit to another country (other than country of origin)

• An earlier date calculated by the insurer due to incorrect or insufficient premium, including lapsed monthly payment

Temporary Return Home

The insured may return to country of origin for a temporary visit prior to the expiry date. Coverage will resume with no additional premium once the insured returns to Canada, provided eligibility remains. The premium for the number of days of temporary visit will NOT be refunded or reissued. Any medical condition for which symptoms were present or medical treatment was received during a temporary visit is NOT covered.

Extending Your Coverage

To extend beyond the expiry date, the insured must contact the broker or sales agent prior to the expiry date and have no reason to seek medical attention during the new period of coverage. A new policy may be purchased subject to terms, conditions, and premium schedule in effect at the time of request. The cost of additional days will be calculated using the insured's age on the effective date of the new policy, provided:

• The insured remains eligible

• No health changes since the effective date or arrival date

• Request received prior to expiry date

• Required premium paid

If a claim has been submitted, the insurer will review the file before granting extension. Any condition treated during the initial period will automatically be excluded from the extended coverage. The insurer reserves the right to decline any extension request. Minimum premium: $20 per policy.

Automatic Extension of Coverage Up to 72 Hours

Upon notifying MSH Assistance, coverage extends automatically without additional premium for up to 72 hours if the stay is prolonged beyond the expiry date due to:

• Delay beyond insured's control of vehicle, airline, bus, train, or government-operated ferry system (delay must occur prior to expiry date; conveyance must be due to arrive prior to expiry date)

• Medical evidence supporting inability to return to country of origin due to covered sickness or injury on or before expiry date

• Insured hospitalized due to emergency on the expiry date (coverage extends for hospitalization period; 72-hour extension commences upon release from hospital)

Family Coverage

Family coverage requires:

• Coverage dates must be the same for all family members

• All family members must live at the same address while in Canada

• Premium for family coverage paid prior to effective date

Family means the insured, spouse up to age 69, and dependent children (unmarried, residing with insured, at least 15 days old on effective date, and either under 21, or under 26 and full-time student, or with mental/physical impairment).

Emergency Assistance and the 80% / $25,000 Cap Rule

MSH Assistance must be contacted before seeking medical treatment. If the insured fails to contact MSH Assistance prior to receiving treatment (other than in extreme circumstances involving life-threatening crisis), benefits will be limited to 80% of eligible expenses to a maximum of $25,000.

This is critical to understand: unlike some competitor insurers where the penalty is 20% of the claim, RIMI applies BOTH an 80% coverage limit AND a hard $25,000 cap when the assistance line is not called. On a $100,000 hospital bill, skipping the call means RIMI pays a maximum of $25,000 not 80% of the full amount. The insured is responsible for the remaining $75,000.

MSH Assistance must also approve in advance any surgery, invasive procedure, diagnostic testing (including cardiac catheterization) prior to the insured undergoing such treatment.

In the event of a medical emergency, the insured must notify MSH Assistance within 24 hours of admission to a hospital and before any surgery is performed. Failure without reasonable cause triggers the 80% / $25,000 rule.

Monthly Payment Option

If the insured selects the Monthly Payment Option:

• Monthly payments = 1/12 of the total premium

• Amount equal to two months' premium + policy issue fee billed on effective date

• Remaining 10 monthly payments billed on the same date each month

• If a payment is not received, the insurer will advise the broker

• The expiry date is recalculated based on premium payments actually received

• If a replacement payment is not received prior to the recalculated expiry date, all coverage ceases

• The insurer will not be liable for claims occurring after policy expiry

Refunds and Cancellation

If cancellation is requested prior to the effective date: full premium refunded, less any applicable administration fee. If the policy was purchased for a Super Visa application, satisfactory proof from Citizenship and Immigration Canada (IRCC) that the Super Visa was denied is required prior to refund being accepted and processed.

Premium may be partially refunded for the unused portion if termination is requested because the insured must return to country of origin prior to scheduled return date, or the insured becomes eligible and/or covered under a government health insurance plan during the coverage period.

Requests for refunds must be received in writing by the broker or sales agent no later than 60 days from the date the insured became eligible/covered under a government health insurance plan, the date of early return, or the expiry date of the policy. Once satisfactory proof is received (airline ticket/boarding pass, customs/immigration stamp), the refund is calculated from that date. Otherwise, refunds are calculated based on the postmarked date of the written request.

10-Day Free Look Period

The policy may be canceled within 10 days of the purchase date for a full refund, provided cancellation occurs before the effective date. This is the "free look" consumer protection standard across most Canadian visitor insurance products.

All 28 Policy Exclusions

The policy does not cover losses or expenses related in whole or in part, directly or indirectly, to any of the following:

1. Any sickness, injury, or medical condition that existed prior to the effective date if Plan 1 is selected

2. Under Plan 2: pre-existing conditions not stable per the age-based stability rules (90 days up to age 69; 180 days ages 70-84 with accurate medical declaration)

3. Expenses related to a sickness or injury that would have caused an ordinarily prudent person to seek medical treatment during the 90-day period immediately prior to the effective date

4. Any medical treatment that is not emergency medical treatment for the immediate relief of acute pain and suffering, including any elective or cosmetic surgery or treatment

5. Any sickness or injury which occurred prior to the effective date when coverage has been extended after arrival in Canada

6. Costs incurred outside of Canada after exceeding 30 consecutive days in any country other than Canada during the coverage period

7. Costs incurred due to travelling against the advice of a physician; or loss resulting from sickness or medical condition diagnosed as a terminal illness prior to effective date

8. Medical treatment which can reasonably be delayed until return to country of origin

9. Medical treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation, convalescent or ongoing care, or medical treatment of acute sickness/injury after the initial emergency has ended

10. Expenses when the policy was purchased specifically to obtain medical treatment outside country of origin

11. Medical treatment in country of origin

12. Any medical condition for which symptoms were present or medical treatment was received during temporary visit to country of origin

13. Transplants (cornea, organ, bone marrow), artificial joints, prosthetic devices or implants (with exception if pre-approved by MSH Assistance to stabilize emergency)

14. Replacement of an existing prescription (with exceptions); purchase of drugs available without prescription; drugs not legally registered in Canada; or drugs not required as result of emergency

15. Loss or damage to hearing devices, eyeglasses, sunglasses, contact lenses, or prosthetic teeth, limbs, or devices

16. Routine pre-natal care; pregnancy or childbirth or complications occurring in the 9 weeks before or after the expected delivery date

17. For children under 2 years of age: sickness or medical condition resulting from or related to a congenital defect

18. Any benefit or medical treatment requiring prior approval by MSH Assistance if such approval was not provided (except in extreme circumstances)

19. Emotional, psychological, or mental disorders unless the insured is hospitalized

20. Loss, death, or injury if affected by, or the condition contributed to by, use of alcohol, prohibited drugs, or any other intoxicant

21. Committing or attempting to commit an illegal or criminal act

22. Suicide, attempted suicide, or self-inflicted injury (whether sane or insane)

23. Rock or mountain climbing, hang gliding, parachuting, bungee jumping, skydiving; participation in any motorized race or speed contest; participation in any sport as a professional athlete; scuba diving (except if certified by NAUI/PADI equivalent or diving depth does not exceed 30 meters)

24. Death or injury while operating or learning to operate any aircraft as pilot or crew

25. Travel to, from, or through any country/region/city for which the Canadian Government has issued a travel warning

26. War, invasion, act of foreign enemy, hostilities, civil war, riot, rebellion, revolution, military power, or unlawful visit

27. Contamination from radioactive material, nuclear fuel/waste, or weapons of mass destruction

28. Service in armed forces, national guard, or organized reserve corps

Additionally: worsening, recurrence, side effects, or complications of a medical condition resulting from non-compliance or failure to follow physician directions (except as provided under Benefit #13 — Repatriation of Remains).

Claims Procedures

To file a claim, the insured must submit:

1. A fully completed Claim Form (provided by MSH Assistance upon notification of claim)

2. All original itemized bills from medical providers (stating patient's name, diagnosis, all dates and type of treatment, name of medical facility and/or physician)

3. Original prescription drug receipts from pharmacist, physician, or hospital (showing prescribing physician's name, prescription number, preparation name, date, quantity, total cost)

4. Copy of airfare ticket and passport confirming travel dates and entry into Canada. For side trips, proof of both departure from and return to Canada (airline tickets, itinerary, boarding passes, gas receipts, hotel receipts, meal receipts, toll receipts, original duty-free shop receipts)

5. Written proof of claim within 90 days of the date of receipt of services covered under the policy

6. Additional information pertinent to the claim as required by MSH Assistance after receipt

7. Unused portion of the air ticket to MSH Assistance if Emergency Transportation benefit is used

Notice of loss: written notice must be given not later than 30 days from the date a claim arises. Proof of claim: within 90 days after date a claim arises. Late notice or proof does not invalidate the claim if given as soon as reasonably possible and no later than 1 year after the date of accident or claim event.

Key Policy Definitions

Understanding these defined terms clarifies most policy questions:

Accident

A sudden, unforeseen, unexpected, and unintentional event exclusively attributable to an external cause resulting in bodily injury.

Country of Origin

The country for which the insured holds a passport. If the insured holds more than one passport, country of origin is the one declared on application. For family coverage, one country of origin applies to the whole family.

Deductible

The amount the insured must pay before any remaining eligible expenses are reimbursed. The deductible applies once per insured person, per covered emergency.

Dependent Children

Unmarried persons residing with the insured and dependent on the insured for support, who on the effective date are at least 15 days of age and: under 21; or under 26 and a full-time student; or have a mental or physical impairment.

Emergency

An unexpected and unforeseen sickness or injury occurring during the coverage period for which the insured requires immediate medical treatment for the relief of acute pain or suffering, and where treatment cannot be delayed until return to country of origin. An emergency no longer exists when the insured is declared medically fit to travel by the MSH Assistance Medical Team.

Family

The insured and/or spouse up to age 69 and dependent children when named on the application. Coverage dates must be the same for all family members; all must live at the same Canadian address.

Government Health Insurance Plan

The health care coverage provided by Canadian federal, provincial, and territorial governments to their residents.

Heart Disease or Condition

Any Angioplasty or Stenting in or around the heart, Angina, Atrial Fibrillation, Heart Failure, Heart Attack/Myocardial Infarction, Irregular Heartbeat or Heart Murmur due to valvular pathology, Pacemaker/Defibrillator insertion, any Cardiovascular/Valve/Bypass surgery, or any other condition or diagnosis relating to the Heart or Blood Vessels of the Heart.

Hospital

An institution designated as a hospital by law; continuously staffed by physicians and registered nurses; primarily engaged in providing diagnostic services and medical and surgical treatment of sickness/injury in acute phase or active treatment of chronic condition; with facilities for diagnosis, major surgery, and in-patient care. Does NOT include convalescent, nursing, rest, or skilled nursing facilities, clinics, extended/palliative care facilities, rehabilitation facilities, addiction treatment centres, or health spas.

Hospitalization

An insured occupies a hospital bed for more than 24 hours for medical treatment and for whom admission was recommended by a physician when medically necessary.

Insurer

Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group).

Medically Necessary

A service or supply that is appropriate and consistent with the diagnosis according to accepted community standards; not experimental or investigative; cannot be omitted without adversely affecting the condition or quality of care; cannot be delayed until return to country of origin.

Stable

Any medical condition (whether or not the diagnosis has been determined) for which there has been NO hospitalization; NO new diagnosis, treatment, or prescribed medication; NO change in treatment or medication; NO new, more frequent, or more severe symptoms; NO new test results showing deterioration; NO referral to a specialist and no awaiting of surgery or further investigation results. Transition between generic and brand-name drugs, and routine dosage adjustments for insulin/diabetes medications, do NOT count as changes.

Sum Insured

The maximum amount payable that the insured has selected and paid for.

Terminal Illness

The insured has a condition that causes the physician to estimate the insured has less than 6 months to live.

Trip

The period between the effective and expiry date shown on confirmation of insurance.

Other Insurance / Second Payor Plan

RIMI Secure Travel is a second payor plan. For any loss or damage insured by, or claim payable under, any other liability, group or individual basic or extended health insurance plan (including private/provincial/territorial auto insurance), amounts payable under RIMI are limited to covered benefits incurred outside country of origin that are in excess of amounts insured under such other coverage. The insured may not claim or receive in total more than 100% of the loss.

Aggregate Limit

The total aggregate limit for all losses resulting from any one incident under all travel insurance policies underwritten by iA Financial Group is $20,000,000 CAD.

Compare RIMI to All 5 Canadian Insurers Instantly

DaddySafe is a Canadian online insurance comparison platform operated by Immunis Financial Brokers Inc., a licensed Canadian brokerage. The platform compares real-time RIMI quotes alongside Manulife, GMS, 21st Century, and Destination Canada side by side — same prices you would get buying direct, no phone calls, no markup.

Compare Super Visa Insurance → or Compare Visitors Insurance →

Related Resources

• Destination Canada Insurance 2026 Complete Guide

• Super Visa Complete Application Guide 2026

• Manulife vs GMS Super Visa Insurance Comparison

About This Resource

This guide is compiled by the DaddySafe team directly from the official Secure Travel RIMI Visitors to Canada Travel Insurance policy wording (dated 2024-02, underwritten by Industrial Alliance Insurance and Financial Services Inc., document reference #2024-02), the RIMI Visitors and Super Visa Insurance Benefits Comparison sheet, and the official RIMI Standard/Enhanced Plan 1 and Plan 2 rate schedules.

For legally binding guidance on your specific policy, refer to the actual policy wording provided by RIMI/iA Financial Group at the time of purchase. For questions about RIMI or comparison against other Canadian Super Visa insurers, DaddySafe's licensed brokerage team is available at info@daddysafe.ca or +1 (403) 369-8722.

Last updated 2026. Rates, benefit limits, exclusions, and policy terms are subject to change without notice. Always review the current official policy wording at the time of purchase.