By Bahadur Singh, Licensed Insurance Broker | OM Financial, Mississauga
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The best of Canadian Immigration is, you can sponsor your parents and grand parents to Canada on super visa. They can spend quality time with you, 5 years continuous, even apply for extension of 2 years. So ff you are sponsoring your parents or grandparents to visit Canada under the Super Visa program, choosing the right super visa insurance is one of the serious decision you make. Go for the best, and enjoy quality joint family time.
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RIMI super visa insurance a solid option for you, the best brand for your super visa insurance shop around list in 2026. We at Bhflights, are here to help, and narrow down your list to one of the best providers. I, Bahadur Singh, licensed insurance advisor, sell a lot of RIMI Super Visa Insurance policies, can help your to find a real price as per age, health, coverage amount and deductible.
Table of Contents
What Is the Super Visa and Why Does Insurance Matter?
Super visa is an immigration Canada program which allows parents and grand parents to visit Canada for more then 6 months. Where as visitor visa allows maximum 6 months stay per entry, which is quite lower when we think about parents and grand parents joining family. So thanks to Canada Immigration, introduced super visa program.
A real fact is what do you think when a grand mom visiting Canada on visitor visa, and it is already her time to leave when your toddler just started knowing her.
So the super visa is the best program, holders can stay in Canada for up to 5 consecutive years and extend their stay for 2 more years.
To apply for it, you need a super visa insurance. The insurance must meet all four IRCC requirements:
| Requirement | Details |
|---|---|
| Minimum coverage amount | $100,000 CAD |
| Issued by | A Canadian insurance company |
| Minimum validity | 1 full year (365 days) from date of entry |
| Coverage must include | Emergency healthcare, hospitalization, repatriation |
| Payment | Monthly or fully paid |
| Plan | Must be a policy, quotes are not accepted |
Your visa application may be refused, if does not meet said requirements.
Is RIMI Insurance Approved for Super Visa?
That is great question, and answer is Yes, RIMI super visa insurance meets all immigration Canada requirements. Here are some notable points, those make it better choice –
- All plans are underwritten by IA, a reliable Canadian insurer.
- MSH international take care of emergency assistance, operated in Canada.
- All visa application centers accept plans.
- Minimum 100K coverage, up to 1Million available.
So call us or buy your insurance here, to submit your application.
RIMI Super Visa Insurance Plans: Standard vs Enhanced
A power pack coverage for you comes in two coverage options, standard and enhanced. Both of them meet IRCC requirements, but enhanced option have significant benefits over standard plan. Here is comparison for you –
Plan 1
This plan is best for healthy visitors, although it comes with option for no pre existing health conditions coverage.
Plan 2
This plan is best for all type of visitors, added dollar amounts for benefits, include coverage for pre existing health conditions
Both plan 1 and two can be purchased with standard or enhanced benefits. The notable differences in both plans are extra dollar amounts for:-
- Prescription medication(500 vs 1000)
- Paramedical services such as (message, physio, chiro, etc.)
- Emergency dental, remarkable benefit of $3000 for accidental dental treatment
- Repatriation of remains, identifying remains and sending back home
- Emergency return fare, about $3000
- Hospital allowances, only in enhnaced plan
Point to be noted: If your parents have health condition, go with enhanced plan, added benefits in little extra.
Available coverage amounts:
$100,000 to $1 Million, only RIMI is currently the only Super Visa insurer in Canada that offers up to $1,000,000 in coverage, where as all competitors end up at $300000
RIMI Super Visa Insurance Cost
RIMI super visa insurance premiums are most affordable in the market. Specifically, for ages 50 to 69, they offer almost unbeatable prices. You can further reduce the super visa insurance cost with deductibles. Here is a table of estimated prices for all ages.
| Age | Plan 1(No Pre-Ex) | Plan 2 |
|---|---|---|
| Under 40 | $65 – $85 | $80 – $105 |
| 40–49 | $85 – $110 | $105 – $140 |
| 50–59 | $110 – $145 | $140 – $185 |
| 60–69 | $145 – $190 | $185 – $240 |
| 70–74 | $190 – $250 | $240 – $320 |
| 75–79 | $250 – $330 | $320 – $420 |
| 80–84 | $330 – $420 | $420 – $560 |
All prices are in Canadian dollars.
For further clarification Standard and Enhanced are the policy types, not plans, you can buy standard policy type with or without pre ex health conditions, same with enhanced policy type.
How to reduce RIMI super visa insurance cost?
Add Deductibles
Personally, I am not a big fan of insurance deductibles, discounts on the premium looks juicy on good but harder when you have to pay up front.
Still I will go with a deductible, because paying 50K hospital bill is way harder then $250 deductible, so when you think about big medical bills, the deductible looks so small in that frame.
Choose the deductible and reduce your RIMI super visa insurance premiums.
| Deductible | Premium Reduction (approx.) |
|---|---|
| $0 | Base price (no reduction) |
| $250 | ~5% lower |
| $500 | ~10% lower |
| $1,000 | ~15% lower |
| $3,000 | ~35% lower |
Who should choose a higher deductible?
- Healthy visitors should go with higher deductible, I suggest about $1000
- If you can afford minor health issues, specifically some health conscious people prefer natural treatments over medication.
- If it is out of your pocket, even $3000 deductible worth it
Who should stick with $0 deductible?
- If you have on going health stable conditions
- Ages over 70, should go with 0 deductible, more chances of getting sick
- I suggest everyone should have 0, for worry free trip
Go with suitable plan
RIMI Super visa insurance offer protection for pre existing medical conditions also. If you want a cheaper option go with no health condition, but never cut the corners, because at the time of claim, they might ask for hospital report. Obviously, no health condition is another best way to cut the cost.
Choose right payment option
RIMI offers two payment options.
- Annual (lump sum): Pay the full 12 months upfront. Slightly lower total cost.
- Monthly installments: First month + policy fee charged on start date, then monthly. Great for families managing cash flow.
Broker Tip: I Bahadur Singh, helped so many families buying the minimum $100,000 while saving $$$ on premiums. I suggest going with deductible, a great way to save on premium, moreover it does not hurt you that badly when hospital bill averages $5000 – $10000 a day. We have further ways to make it better for you, every health issue is not same, so best is to reach qualified advisor.
Pre-Existing Conditions – Important Point
Do not take it lightly, it is where you need to be corious.
What Is a Pre-Existing Condition?
Any ongoing illness, medical condition or injury, that was there before the effective date of policy, is considered as pre existing health condition. Weather it is diagnosed, under treatment, or cured health issue like:
- High blood pressure
- Diabetes
- Asthma
- History of heart attack or heart disease
- Arthritis
- High cholesterol
- Surgeries
Plan 1 does not cover any pre existing health condition. Plan 2 covers stable pre-existing conditions, subject to stability periods.
Stabliity period is another considerable term when choosing the right coverage for you.
For applicants aged 15 to 69:
Health condition of insured must be stable, meaning their on going medication should be same dose, brand and quantity. To be more precise, we recommend to read policy wording and pre existing health condition. The requirement is 90 days stability period on the effective date.
For applicants aged 70 to 84:
All pre existing health conditions has to be stable for 180 days prior to the effective date. When you fill the application, you will see additional questionnaire, answer all questions accordingly.
What Does “Stable” Mean?
A condition is considered stable when, during the required stability period, there has been:
- No new symptoms or worsening of existing symptoms
- No new diagnosis or treatment
- No change in existing medication (including dosage)
- No hospitalization, emergency visit, or specialist referral
- No pending test results or investigations
The most common mistake people do on pre existing health condition is reduction in the dosage with in stability period is not a violation, but as per policy wording, no change in the dosage, even reduction, will violate pre existing health condition streak.
We recommend disclosure of all on going health issues, to avoid claim refusal. Situation may be different for every applicant, we are here to help you decide.
Who is eligible for RIMI super visa insurance?
One should meet following requirements for RIMI super visa insurance:
✅ Must be coming to Canada as visitor, super visa applicant, not on PR or work permit.
✅ All applicants must not eligible for provincial health program
✅ Age must be within 15 year to 89 years
✅ Must not traveling to Canada against physicians advise
✅ Applicant must not diagnosed with any terminal illness
✅ The purpose of visit must not be medical treatment
✅ Must be doing daily life activities without help(eating, bathing, dressing, etc.)
RIMI offers side trip coverage also, as per following conditions.
- The insured is physically present in Canada for at least 51% of the total coverage period
- Side trips do not exceed 30 days per policy
You can visit home country during your coverage, but no medical coverage in the home country for the period of your saty.
Waiting Periods — Critical to Understand
The best is to buy policy before landing to avoid all kind of waiting periods. There is 8 days waiting period if you buy after 30 days of arrival, 48 hours if bought with in 30 days of landing in Canada.
Premium is same, even you buy after landing or before, so why to pay for uninsured waiting period?
| When purchased | Waiting period for sickness |
|---|---|
| Within 30 days of arrival | 48-hour waiting period |
| More than 30 days after arrival | 8-day waiting period |
So with-in the waiting period, RIMI will not cover any miss happenings in that time frame.
The notable point here, if you are renewing your policy and there is not gap in coverage, then there will not be a waiting period.
Our advice is not to go for waiting period, since the premium will be same.
RIMI super visa insurance exclusions
This section is most critical , for your peace of mind, because no insurance covers everything, there are exclusions, must read this heading in the policy wording as well:
- Pre existing health conditions are covered in plan 2, not in plan 1.
- Any ongoing medical treatment in your country of residence.
- Non emergency needs, elective treatments.
- Cosmetic surgery
- Child berth, pregnancy, care of child under 15 days.
- Visit to war, terrorism, unrest, and travel advisory areas.
- Alcoholism, drug overdose related injuries
- Self inflicted wounds, health issues.
- High risk sports, activities.
- Traveling to Canada against doctor`s advise.
- Terminal illness.
- Not diagnosed with certain types of cancers.
We recommend reading policy wording, pay full attention to exclusions section.
How to Buy RIMI Super Visa Insurance
The easiest is Call or WhatsApp, 4372388119, Bahadur Singh at BHFlights. We’ll review your parents’ medical history, recommend the right plan and deductible, and handle the purchase for you — at no extra cost. This is especially helpful if you’re unsure about pre-existing conditions.
OR fill out this form
- Enter the name and date for birth of your parents, and your email.
- Answer the pre existing question, select yes if your parents have medical issues, or no if they are healthy.
- Check the confirmation box, asking eligibility criteria.
- Select the country of origin from drop down.
- Select no for the next question, if your parents not in Canada, but select yes if you are renewing, or they are in Canada
- Next question is for visa type, click yes, if they are coming on Super Visa, or no if they are coming as visitor
- Select your destination province, all Canadian provinces are listed in the drop down
- Now select the effective date, if you are buying for super visa, system will automatically calculate the expiry date. If you are buying for visitor, you need to enter the expiry date as well. Please note if you are applying for super visa, might need to change the effective date multiple times while waiting for visa. We are here to help you with date change requests
- Coverage length is the next important field, system will automatically fill 365, of as per expiry date in case of visitor to Canada insurance
- Select the policy type from drop down, standard or enhanced, we already explained differences in both plans
- Choose the coverage amount, minimum $100k required, but you can choose up to $1 Million
- Select the right amount of deductible, 0 to 3000, we already explained discounts with deductible
- Click on complete application( if you want quote only, enter your email, and you will receive policy wording and quote in email) and on next page fill your Canadian address, beneficiary info and credit card details
- Now at last, click buy now, you will receive policy documents in email
Documents you’ll receive in email:
- Policy wording document, claim form, benefits document, and how to setup portal instructions
- Confirmation of coverage(Policy-Confirmation.pdf) upload this document to super visa application
- Insurance card with emergency contact numbers
Cancellation and Refund Policy
RIMI offers most relaxed when it comes to cancelable and refundable super visa insurance.
Cancelation of Super Visa Insurance
As per rules, all super visa insurance policies are non cancelable, non refundable. However you can cancel on and get refund on following conditions
- Full refund if you cancel with in 10 days of purchase, called cooling off period, provided the effective date is after those 10 days.
- Partial refund on early return to home country, or change of status to landed immigrant.
- Full refund on visa refusal, need to submit refusal letter.
- There other possibilities of refund as well, with certain conditions.
Regular Visitor Insurance Cancelation
The cancelation conditions are different for visitors
| Situation | Refund |
|---|---|
| Cancel within 10 days of purchase, before effective date | Full refund |
| Cancel before effective date (after 10 days) | Full refund |
| Cancel after effective date (no claim made) | Pro-rated refund for unused days |
| Cancel after a claim has been made or is pending | No refund |
Important: If your parents need to leave Canada early, you can apply for a partial refund for unused coverage days, provided no claim has been filed.
How to File a RIMI super visa insurance claim
Three ways to claim with MSH Assistance, call them on the following numbers
- Toll-Free (Canada & USA): 1-800-203-8508
- Collect (Worldwide): +1-416-646-3107
- Available 24 hours a day, 7 days a week
MSH assistance is there to help, to find nearest medical facility, open your claim, arrange direct billing, coordinate with hospital and health care facility to make life easier for you in uncertain times.
If your hospital or medical care does not accept direct billing, keep all documents, setup your portal and upload all documents such as:
- All original, itemized receipts for medical services
- Prescription medication receipts
- Doctor visit records and medical notes
- Hospital admission and discharge records
- Ambulance records
Once you have everything, submit it with in 90 days, or upload to your portal (you get portal setup instructions in email when you buy insurance)
Third way to file a claim is collect all documents and mail with in 90 days to:
MSH Assistance
150 King Street West, Suite 602, PO Box 75
Toronto, Ontario M5H 1J9
RIMI/MSH typically processes claims within 10–15 business days of receiving complete documentation. Complex cases may take longer. The best is to stay connected with them over the phone and email for updates.
RIMI Super Visa Insurance Reviews
I, Bahadur Singh, helped hundreds of applicants, to get real picture of customer reviews:
For travel insurance companies, people love affordable premiums, easy claim process, and wide range of direct billing network. Fortunately RIMI offers all these options.
- RIMI offers best rates then Manulife, TUGO, Travelance, Trustone, and other top competitors.
- Quick policy documents is another best element of RIMI, once you buy, you will get documents with in 5 minutes.
- Big coverage amount, RIMI offers up to $1Million, where most providers end up at $300K, that makes it all favorite.
- Another great feature of RIMI is monthly payment option, easy instalment options makes comfortable for buyers.
- Short stability period, 90 days for the ages under 69, is another favorable feature of RIMI, which invites buyers to post positive reviews.
Frequently Asked Questions
Q: What is RIMI Super Visa insurance?
A: RIMI super visa insurance is a solid Canadian super visa insurance provider, under written by renowned insurer Industrial Alliance or iA Financial Group.
Q: How much does RIMI Super Visa insurance cost per month?
A: Monthly cost for RIMI super visa insurance is 65 per month onwards. Premium depends upon the age of applicant, health status, deductible and coverage amount. RIMI is on the top based on all these elements.
Q: Does RIMI Super Visa insurance cover pre-existing conditions?
A: Yes, RIMI offers two plans, Plan 1 and Plan 2. All stable pre existing health conditions are covered in Plan 2. Both plans have further policy types, standard and enhanced, and both have differences in dollar amount coverages.
Q: Is RIMI a Canadian insurance company?
A: Yes, RIMI Insurance Solutions Inc, or secure travel is a Canadian insurance company, under written by Industrial Alliance.
Q: Can I cancel my RIMI Super Visa insurance policy?
A: All super visa insurance policies can not be canceled, once they are in effect. However certain rules allow cancelations such as visa refusal, early return or immigration status change.
Q: What is the maximum age for RIMI Super Visa insurance?
A: Maximum age for RIMI super visa insurance is 89, some insurers offer coverage up to 84.
Q: What is the RIMI insurance contact number for emergencies?
A: For medical emergencies, call MSH Assistance: 1-800-203-8508 (toll-free, Canada & USA) or +1-416-646-3107 (collect, worldwide). Both lines are available 24/7.
Q: How long does it take to get my RIMI insurance policy?
A: Once you complete the above form, you will get plan with in 10 minutes.
Q: What happens if my parents need to visit their home country while on a Super Visa?
A: The policy will remain active, but no emergency medical coverage offered for stay in home country. We suggest to cancel your policy, if you are going back to your home country for a long time.
Q: Does RIMI Super Visa insurance meets IRCC requirements?
A: Yes, IRCC needs minimum one year coverage, 100K amount, and RIMI offers even up to 1 Million, which exceeds the IRCC requirements.
Q: Standard vs Enhanced plans.
A: Both plans are as per IRCC needs. Enhanced plan offer more dollar amounts for prescription medication, paramedical services, repatriation of remains and much more. Refer to a comparison table in this article.
We are an authorized RIMI/Secure Travel broker and there is no extra cost to buying through us. We’re here to answer questions before, during, and after your purchase.
Here is video explanation of plan
Or contact Bahadur Singh directly if you want personalized advice before purchasing: