By Bahadur Singh, Licensed Insurance Broker (LLQP) | OM Financial, Mississauga
Last updated: October 2026
RIMI Super Visa Insurance
RIMI (Secure Travel) Super Visa insurance is one of the most affordable ways to meet IRCC’s Super Visa insurance rules — coverage from $100,000 to $1,000,000, a monthly payment plan on both plans, and a full refund if the visa is refused. I sell RIMI policies every week; this page gives you the real costs by age, the difference between the Standard and Enhanced plans, and the rules that actually decide claims — no sales talk.
Get a Free RIMI Super Visa Insurance Quote · WhatsApp 437-238-8119
Does RIMI Meet the IRCC Super Visa Insurance Requirements?
Yes. IRCC requires: minimum $100,000 coverage · issued by a Canadian insurance company · valid 1 full year from entry · covers emergency healthcare, hospitalization and repatriation · paid in full or by instalments. RIMI plans are underwritten by iA (Industrial Alliance), a Canadian insurer; emergency assistance is handled in Canada by MSH International; all visa application centres accept RIMI policies.
RIMI Super Visa Insurance Cost (2026)
Monthly premiums, $100,000 coverage, CAD (estimates — your exact price depends on age, health answers, deductible and plan):
| Age | Plan 1 (No Pre-Existing) | Plan 2 (With Pre-Existing) |
|---|---|---|
| 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 |
Note: for ages 50–69 RIMI is usually the most affordable Super Visa option in the market.
Lower the price with a deductible
| Deductible | Premium reduction (approx.) |
|---|---|
| $0 | Base price |
| $250 | ~5% lower |
| $500 | ~10% lower |
| $1,000 | ~15% lower |
| $3,000 | ~35% lower |
Broker note: a deductible looks small beside a $50,000 hospital bill — but remember you pay it out of pocket at claim time. Ask me and I’ll show both prices before you decide.
Monthly Payment Plan — Pay Monthly Instead of All Up Front
Both RIMI Super Visa plans (Standard and Enhanced) can be paid monthly, so families don’t have to put a full year of premium on one payment. Monthly costs a little more overall because of transaction charges, and a missed payment can terminate the policy — but for most families it makes Super Visa insurance far easier to start.
Standard vs Enhanced — What Each Plan Actually Pays
| Benefit | Standard | Enhanced |
|---|---|---|
| Hospital accommodation | Ward rate | Up to semi-private room |
| Medical services | Included | Included |
| Diagnostic services | Included | Included |
| Prescription drugs | 30 days, up to $500 per prescription | 30 days, up to $1,000 per prescription |
| Private duty nurse | Up to $5,000 | Included |
| Paramedical services | $300 per incident per service | $500 per incident per service |
| Emergency dental | $1,000 accident + $300 pain relief | $3,000 accident + $500 pain relief |
| Medical appliances | $5,000 | $5,000 |
| Emergency transportation | Included | Included |
| Transportation to bedside | Not included | $3,000 round-trip airfare |
| Repatriation of remains | $5,000 | $10,000 |
| Meals & accommodation | Not included | Up to $3,000 |
| Hospital allowance | Not included | $50/day, max $500 |
| Follow-up visits | Up to 3 | Up to 3 |
| Return & escort of children | Not included | Included (economy airfare) |
| Excess baggage return | Not included | $500 |
| Accidental death & dismemberment | $50,000 | $50,000 |
| Flight accident | $50,000 | $50,000 |
Plain-English summary: Standard keeps the premium low and covers the big hospital risks. Enhanced adds the comfort benefits and higher drug/dental limits. If a parent has stable pre-existing conditions, Plan 2 (with pre-existing coverage) is the version to price.
Pre-Existing Conditions and the Stability Rule
Plan 2 covers stable pre-existing conditions. “Stable” for RIMI means no change in the condition, treatment or medication during the stability period before the policy starts: 90 days for ages 15–69, 180 days for ages 70–84. A condition that changed recently is not covered until it has been stable for the full period — tell me the real health picture and I’ll tell you honestly whether RIMI will cover it or whether another insurer fits better.
Waiting Periods — Read This Before You Buy Late
If the policy is bought after your parent has already arrived in Canada, a waiting period applies before sickness coverage starts (accidents are covered right away). Buy before travel whenever possible — it avoids the waiting period entirely.
Who Can Buy RIMI Super Visa Insurance?
Parents/grandparents applying for or holding a Super Visa, aged up to 89, who are in Canada or applying from abroad, and who are not travelling against a doctor’s advice. Coverage amounts: $100,000 · $150,000 · $300,000 · $500,000 · $1,000,000.
How to Buy — and How I Help
- Tell me the traveller’s age, any health conditions, and the coverage amount you want.
- I price Plan 1 and Plan 2, with and without a deductible, and show you all four numbers.
- You pay RIMI directly through the secure form (monthly or full payment).
- The policy is issued by email — usually within about 10 minutes — ready to attach to the Super Visa application.
WhatsApp 437-238-8119 · Get a free RIMI Super Visa insurance quote · Buy RIMI Super Visa insurance
Cancellation and Refund Rules
- Visa refused: full refund with the refusal letter.
- Super Visa policies are not cancellable just because plans change — cancellation needs a visa denial letter or another policy-recognised reason. Buy when the application is real.
- Early return home with no claims: partial refund rules apply — ask me before you cancel anything; one wrong step can void the refund.
How to File a RIMI Claim
Claims are handled by MSH International assistance. Call MSH first in an emergency (Toll-Free 1-855-474-4321, Direct 1-437-567-9643) so the hospital bills the insurer directly where possible; keep every report and receipt; some walk-in clinics ask you to pay first and claim back. Typical processing is 10–15 business days once documents are complete.
RIMI Super Visa Insurance Reviews — the Honest Version
What clients like: the lowest premiums in the 50–69 age range, monthly payments, fast policy issue, and smooth refunds on visa refusal. What to know before you buy: walk-in clinics may ask for upfront payment, cancellation is strict (refusal letter needed), and claims need complete hospital documents. RIMI is not the most generous plan on every small benefit — it wins on price for solid core coverage. If a benefit matters more to you than price, I’ll show you the Trustone/Manulife comparison honestly.
Frequently Asked Questions
Is RIMI insurance approved for Super Visa?
Yes. RIMI plans are underwritten by iA (Industrial Alliance), a Canadian insurer, and meet all IRCC requirements: minimum $100,000 coverage, a 1-year term, and coverage for emergency healthcare, hospitalization and repatriation.
How much does RIMI Super Visa insurance cost per month?
From $65/month — see the age table above. Ages 50–69 are RIMI’s sweet spot for the lowest premiums.
Can I pay monthly?
Yes. Both the Standard and Enhanced plans offer a monthly payment option.
Does RIMI cover pre-existing conditions?
Plan 2 covers stable pre-existing conditions: 90 days of stability for ages 15–69, and 180 days for ages 70–84.
What coverage amounts can I choose?
$100,000, $150,000, $300,000, $500,000 or $1,000,000.
What is the maximum age?
89.
How fast do I get the policy?
Usually within about 10 minutes of payment, delivered by email.
What if the visa is refused?
You get a full refund — just send the visa refusal letter.
Can I cancel if plans change?
Super Visa policies need a visa denial letter or another policy-recognised reason to cancel. If your plans are uncertain, talk to me before you buy.
Who handles claims?
MSH International — 24/7 emergency assistance at Toll-Free 1-855-471-4321, Direct 1-437-567-9642.
Can I buy after my parents arrive in Canada?
Yes, but a waiting period applies to sickness coverage (accidents are covered right away). Buying before travel avoids the waiting period entirely.
Why Buy Through BHFlights
Bahadur Singh — Licensed Insurance Advisor (LLQP), OM Financial, Mississauga. I compare RIMI with Trustone, Manulife, GMS and Travelance daily and will tell you when RIMI is not the right fit. Call/WhatsApp 437-238-8119 · bhflights.com
Related: RIMI travel insurance (RIMI visitor, student and Canadian plans) · Visitor to Canada medical insurance · Super Visa application guide