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RIMI Standard vs Enhanced Plans: Which Is Better?
RIMI travel insurance, one of the best Canadian companies in the market, underwritten by Industrial Alliance, offers two plans. Lets compare RIMI standard vs enhanced, they differ in the following situations: –
- Visitors to Canada
- Super Visa applicants
- Returning Canadian
- Work permit holders
- New immigrants waiting for provincial health coverage (if eligible)
Compare RIMI Standard vs Enhanced Plan
Both plans are good for travelers to Canada, here are some dollar amount differences:-
Both plans are good for all type of travelers to Canada. If you are a super visa applicant, IRCC accept standard plan as well, so do not worry about their legal legitimacy, but some notable differences are: –
Hospital Accomodation
The standard plan covers accommodations at the ward rate. The enhanced plan offers increased comfort, a semi private room as per policy conditions, extended comfort during the recovery.
Prescription Drugs
Prescribed medications may be a major expenses when you need to claim. Enhanced plan offer one thousand dollars with 30 day refill reset, so if in case, you might need to buy medication, this plan is good for you. This can make a significant difference if expensive medications are required.
Meals and Accommodation
This benefit is for accompanying family members, when needed, enhanced plan offer coverage for meal and accommodation as per plan terms to cover unexpected out of pocket expenses.
Emergency Dental
Dental emergencies are so uncertain, and expensive. In Canada, dental treatments are not covered by provincial health care plans, or the scope of coverage is very limited. Enhanced plan is big winner here, offer $3000 due to an accident and $500 for pain. The standard plan offer $1000 for accidental dental treatment and $300 for the pain.
Other major notable differences are repatriation of remains, return of escort children, round trip fare, loss of baggage and return to the bedside. All dollar differences are in the above table. Please note the total emergency coverage amount does not make a difference in dollar amounts, when we compare RIMI Standard vs Enhanced plans
Who Should Choose Which Plan?
I suggest choosing as per the health status, because As per immigration Canada, the repatriation of remains can cost $4000 to $20,000 in Ontario, so choose accordingly.
Choose Standard if:
- You’re healthy with no significant medical concerns.
- You’re looking for lower premiums.
- You want reliable emergency medical coverage.
Choose Enhanced if:
- You’re an older traveller.
- You want higher benefit limits.
- You want additional travel and accommodation benefits.
- You prefer broader protection for unexpected emergencies.
Frequently Asked Questions
Q. What is the difference between RIMI Standard and Enhanced?
Ans. There are dollar amount differences in each converge, such as dental, medication, identification of remains, paramedical services, return to bedside and hospital allowances.
Q. Is Enhanced worth the extra cost?
Ans. Yes enhanced plan cost about 15 to 30 percengt more then standard plan.
Q. Can Super Visa applicants buy either plan?
Ans. Yes both plans, RIMI standard and enhanced plans are good for super visa applications. Both meet immigration Canada requirements.
Q. Which plan has better dental coverage?
Ans. Enhanced plan offer better dental coverage. There is $3000 coverage for accidental dental treatment and $500 for pain, where as it is $1000 and $300 in standard plan respectively.
Q. Does Enhanced include transportation for family members?
Ans. Yes, there is $3000 economy class round trip coverage available for immediate family members of insured or even to close friend if needed as per treatment, and plan terms.
Q. Can I upgrade from Standard to Enhanced?
Ans. Yes, you can upgrade to enhanced plan before the effective date of policy.
Pdf of RIMI Enhanced vs Standard plans
We are here to help you to decide further from RIMI Standard vs Enhanced plan, as per your needs. Our RIMI travel insurance article further explains all products.
