What is Secure Travel RIMI insurance?
Review Secure Travel RIMI Standard and Enhanced benefits, separate pre-existing-condition options, age eligibility, waiting periods, medical declaration requirements, claims, refunds and exclusions.
Underwriter: Industrial Alliance Insurance and Financial Services Inc.
Administrator or claims provider: MSH Assistance
Maximum duration
Up to 365 days per policy
Eligibility age
15 days to under 90
Country of origin
Medical expenses are not covered
Available plan options
Standard
Emergency medical coverage with lower prescription, dental, paramedical and repatriation limits.
- Ward hospital room
- Prescription maximum CAD $500 per prescription
- Paramedical CAD $300 per profession
- Accidental dental CAD $1,000
- Dental pain relief CAD $300
Enhanced
Higher core limits plus additional travel and family-support benefits.
- Semi-private hospital room
- Prescription maximum CAD $1,000 per prescription
- Paramedical CAD $500 per profession
- Accidental dental CAD $3,000
- Bedside, meals, hospital allowance and child-return benefits
Plan comparison
| Benefit | Standard | Enhanced |
|---|---|---|
| Hospital accommodation | Ward rate | Semi-private room |
| Prescription drugs | Up to CAD $500 per prescription | Up to CAD $1,000 per prescription |
| Paramedical | CAD $300 per profession | CAD $500 per profession |
| Accidental dental | Up to CAD $1,000 | Up to CAD $3,000 |
| Dental pain relief | Up to CAD $300 | Up to CAD $500 |
| Return of remains | Up to CAD $5,000 | Up to CAD $10,000 |
| Transportation to bedside | Not included | Included, limits and approval apply |
| Meals and accommodation | Not included | Up to CAD $150 per day, maximum CAD $3,000 |
| Hospital allowance | Not included | Up to CAD $50 per day, maximum CAD $500 |
Benefit summary
| Benefit | Maximum or coverage | Important condition |
|---|---|---|
| Hospital and physician | Eligible emergency expenses up to the selected sum insured | Emergency treatment must be medically necessary |
| Diagnostic services | Eligible laboratory tests and X-rays | Advanced imaging requires prior approval |
| Private-duty nurse | Up to CAD $5,000 | In lieu of hospitalization and pre-approved |
| Medical appliances | Up to CAD $5,000 | Minor appliances and temporary rental subject to approval |
| AD&D | Up to CAD $50,000 | Covered-loss schedule applies |
| Flight accident | Up to CAD $50,000 | Commercial-flight conditions apply |
Who is eligible?
- Visitor to Canada, eligible work- or study-permit holder, Canadian or immigrant not eligible for government health insurance
- At least 15 days old and less than 90 years old
- Not travelling against physician advice
- No terminal illness
- No new or undiagnosed symptoms or known reason to seek medical attention
- No assistance required with activities of daily living
- No listed recent serious cancer, dialysis, transplant or home-oxygen disqualification
Pre-existing conditions and medical history
- Plan 1 does not cover pre-existing medical conditions.
- Plan 2 may cover eligible stable pre-existing conditions.
- Up to age 69, the required stability period is generally 90 days.
- Age 70–84 requires 180 days of stability and completion of the medical declaration.
- Pre-existing-condition coverage is not available over age 84.
Medical questionnaire and application guidance
Who must complete it?
An applicant age 70–84 seeking coverage for stable pre-existing conditions must complete the Secure Travel medical declaration.
What does it ask?
Questions address older heart procedures, heart disease with diabetes or hypertension, transplants, congestive heart failure, lung conditions requiring oral steroids or oxygen, kidney or liver failure, vascular disease and recent heart, lung, neurological, gastrointestinal or cancer history.
What happens after a Yes answer?
Eligibility for pre-existing-condition coverage may be affected. The complete declaration and policy wording govern.
Waiting period and stability guidance
- A 48-hour sickness waiting period applies when purchased within 30 days after arrival in Canada.
- An eight-day sickness waiting period applies when purchased more than 30 days after arrival.
- The waiting period may be waived for qualifying continuous Secure Travel coverage without a gap or prohibited increase in coverage.
Claims and emergency assistance
- Contact MSH Assistance before treatment whenever reasonably possible.
- Submit a completed claim form.
- Provide original itemized bills, prescription receipts and proof of travel.
- Submit written proof within 90 days of service.
Refunds and administration fees
- A full refund may be available before the effective date, less applicable administration fees.
- A Super Visa denial refund requires satisfactory proof.
- A prorated refund may be considered after early return or government-health-plan eligibility.
- Written requests and proof are generally required within 60 days.
Important exclusions and limitations
- Unstable or otherwise excluded pre-existing conditions
- Non-emergency, elective or cosmetic treatment
- Treatment in the country of origin
- Ongoing or chronic care after the emergency ends
- Specified hazardous activities and professional sports
- Specified pregnancy and childbirth expenses
- Alcohol, drug, illegal-act, war and nuclear-event losses
Frequently asked questions
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Who should consider Secure Travel RIMI?
Eligible visitors, workers, students and individuals who are not covered by a Canadian government health plan.
What is the difference between Standard and Enhanced?
Enhanced raises prescription, dental, paramedical and repatriation limits and adds several travel and family-support benefits.
How are pre-existing conditions selected?
Plan 1 excludes pre-existing conditions. Plan 2 may cover eligible stable conditions subject to age and medical-declaration requirements.
What is the waiting period?
Generally 48 hours when purchased within 30 days after arrival and eight days when purchased later.
Who handles claims?
MSH Assistance coordinates emergency assistance and claims.
Compare Secure Travel RIMI before purchasing
Compare the plan, coverage amount, deductible, medical-history requirements, waiting periods, payment arrangement and premium.