RIMI Travel Insurance

Another name for for RIMI Travel Insurance is Secure Travel, underwritten by Industrial Alliance, one of the best insurers in Canada. RIMI travel insurance is good for visitor to Canada, super visa applicants, international students and Canadians traveling abroad. RIMI is a legitimate, Canadian-operated company underwritten by Industrial Alliance (iA Financial Group).

RIMI has four major products, although Visitor to Canada and Super Visa are in similar prices, but there are some differences in the minimum amounts. Here are the direct links for price check and policy wording

Key takeaways from this article are

• What is RIMI Travel Insurance? Why and who need it?
• Products, scope of coverage, plan comparison, and quotes
• Claim process, emergency support numbers and public review.

Is RIMI – Secure Travel a Canadian Insurance Company?

Yes — RIMI Insurance Solutions Inc. also known as Secure Travel is a Canadian company, operating under the brand name Secure Travel. Head office located at 4711 Yonge Street, 10th Floor, Toronto, Ontario, M2N 5M4, distributes insurance specifically tailored for the Canadian market, including medical insurance for visitors to Canada, Super Visa plans, emergency medical insurance for international students in Canada, and Canadians traveling abroad for voyage, business or studies.

All plans are underwritten by a renowned insurer, Industrial Alliance and Financial Services Inc. IA is established insurance company in Canadian market since 1832, so the underwriter is promising. Another company in whole play, MSH international, provide emergency assistance services.

Here are some notable strengths

• Only Canadian insurer offer up to $1,000,000 coverage.
• Fair prices, for most common age group visitors.
• Most lenient pre existing medical condition stability period in market, that is 90 days.
• Flexible monthly payment plans.
• Multilingual support including Punjabi and Hindi.
• Average claim processing 10 to 15 days, quick in industry.
• Accidental Death & Dismemberment (AD&D) included in all plans.

Although it is great, but some weaknesses too

• As you know super visa policies are not cancellable without refusal letter.
• Not direct billing everywhere, some medical clinics ask you to claim later on, pay now.
• All insurance companies investigate at the time of claim, ask for strict documentation.
• Long waiting period, if purchased after 30 days of landing in Canada.

Which RIMI Travel Insurance Product is Right for you?

If you are visiting Canada, studying here, or you are a Canadian traveling abroad, RIMI offers different plans designed for each situation. Choosing the right one depends upon your age, destination, medical history and length of trip.

1. Visitors to Canada Medical Insurance

Visitors to Canada offer coverage for tourists, work permit holders, returning Canadians, and all other residents of Canada those are not covered by provincial health cards. Secure travel offers up to $1M in emergency medical treatment, two plans, Standard and Enhanced, both plans are good for visitors, super visa holders and other tourists to Canada.

Compare RIMI Standard vs Enhanced Plans

Notable differences are:–

• Prescription Medication – In Standard it is 30 days filling up to $500, whereas in Enhanced plan it is $1000.
• Paramedical Services – It is $300 in Standard and $500 in Enhanced plan.
• Emergency Dental – Enhanced plan offer $3000 due to an accident, and $500 for pain, in cheaper plan it is $1000 and $300 respectively.
• Enhanced plan offer $3000 roundtrip fare for emergency transportation.

Other major benefits only offered in Enhanced plan are transportation to the bedside, meal and accommodation, hospital cash, return and escort of children and excess baggage return.

Both plans are good enough for Super visa holders as well. As you know immigration Canada needs minimum $100k coverage for super visa applicants, RIMI offers up to 1Million.

2. Secure Study — International Students to Canada

This plan is backbone of your safe study in Canada. As you know Canadian health care system is good, but very expensive for uninsured visitors. So mostly, schools made it mandatory for international students want to study in Canada should have emergency medical insurance. Typically these plans includes hospitalization, emergency medical services, and repatriation, we recommend at least 1 Million coverage, might be good enough in case of mishappening. You are in safe hands with secure travel, they offer $2 Million emergency medical coverage for international students, in three plans, standard, enhanced and comprehensive.

3. Canuck Voyage — Travel Medical for Canadians

As per stats Canada, Canadians make approximately 43 million trips each year, the point is how many trips are insured, less then 50%. The interesting fact is people spend $100 for extra leg room seat in 8 hour flight, but they try to avoid $20 travel insurance, which lasts for a week, and make your voyage even comfortable and worry free then a seat.

RIMI travel insurance offers medical and non medical voyage plans, upto $7 Million coverage, to help with your emergency medical needs, trip cancelation, loss of luggage, travel delays, trip cancelation and interruption options.

4. RIMI Travel Insurance for Super Visa

One of the best affordable super visa insurance is RIMI, they offer highly competitive rates, maximum benefits and a meets immigration Canada requirements. As you know super visa holders can stay in Canada for 5 years, and even can extend their stay in Canada for 2 more years, so emergency medical coverage is must. RIMI’s Super Visa insurance is one of its most popular products — and for good reason. The Super Visa is a multi-entry visa allowing parents and grandparents of Canadian citizens or permanent residents to stay in Canada for up to 5 years per visit.

Secure Travel Offers

• Cover health care, hospitalization, and repatriation
• Massive coverage amount from $100,000 up to $1,000,000
• Easy payment options, monthly instalments
• Option to change the effective date, if you are waiting for visa, or travel plan changes
• Full refund if IRCC refuses visa
• Coverage for all ages, 15 to 89, almost highest among all insurers

RIMI Travel Insurance Pricing & Quotes

RIMI insurance prices are very competitive, for the ages under 55, you can get coverage as low as in $2 a day.

Here are the estimated prices for 100K coverage for Visitors, Super Visa and Work Permit Holders.

Estimated prices for international students to Canada is starting $50/Month.

The price for Canadians traveling abroad is about $20/Week, please note RIMI does not offer all inclusive plans, so this price for travel medical only.

Tips to reduce the premium

• Add deductible:– Deductibles offer extra discounts, such as 250 for 10%, 500 for 15%, 10000 for 40%.
• Conditions in coverage:- Another way to reduce the premium is plan with non pre existing health conditions, standard plan cheaper then enhanced.
• Plan type:- Standard plans are relatively cheaper the Enhanced and Comprehensive options.
• Monthly Payment:- Monthly payment plans are bit expensive, because of one time transaction charges.

RIMI Travel Insurance Reviews: Pros and Cons

Usually, insurance companies does not have that good reviews, but RIMI stands out at 2.8, it is good because of

• Affordable premiums relative to coverage amount
• Easy online application process
• Fast policy document issuance by email
• Helpful multilingual support staff
• Smooth refund process in cases of visa denial

Sometimes they are not happy because

• Some walk in clinics wants you to pay upfront, they ask you to claim from company
• Super visa insurance cancelation process needs refusal letter
• Hospital report or related documents needed for claim.

How to File a RIMI Insurance Claim

The claim process is way easier with RIMI, three steps claim process.

• Step 1 — Call MSH Assistance immediately, Toll-Free (Canada & USA): +1-800-203-8508 , Collect (Worldwide): +1-416-646-3107 , Available 24/7
• Step 2 — Get pre-authorization, for non-emergency treatments, get pre-authorization from MSH before proceeding.
• Step 3 — Submit your claim documents within 90 days. The claim forms are straight forward, when you buy any product, you will get a claim form in email. Attach all original medical receipts, prescription drug receipts and bills, your policy number and travel document.
• They process most claims in 10 to 15 business days.

You can also send everything in mail to
MSH Assistance, 150 King Street West, Suite 602, PO Box 75, Toronto, Ontario, M5H 1J9

For further assistance, contact their numbers

Phone: 1-833-366-0878
For claims (MSH Assistance): 1-800-203-8508

We are here to help

We have helped hundreds of families purchase RIMI travel insurance. Most common mistakes we see people choosing wrong plans, like buying visitor to Canada for international students. Another major issue is they do not read the policy wording, so we are here to help and find the most suitable option for your needs.

If you need help logging into your RIMI portal, or need to make changes, contact us directly — we manage your policy on your behalf.

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Frequently Asked Questions

Q. Does RIMI Travel Insurance cover pre – ex health conditions?

Ans. Yes, but i suggest you to understand the stability period clause, for the ages under 69, the stability period requirement is 90 days and over 69 the stability period needed is 180 days.

Q. Is RIMI Insurance is legit?

Ans. RIMI, also known as secure travel, under written by IA, is a renowned Canadian insurance company.

Q. What is RIMI Dashboard?

Ans. It is control panel for advisors, to manage policies.

Q. Is RIMI same as Secure Travel?

Ans. Yes, Secure travel is another name of RIMI.

Q. How do I submit claim?

Ans. Three ways to submit claim, call MSH International and open your claim, email them, or mail to the address you got in Email from RIMI. Please note you must submit claim as soon as possible.

Q. Can I buy RIMI insurance after coming to Canada?

Ans. Yes, you can buy it, but best is to buy before landing to avoid unnecessary waiting periods. If you are traveling out of Canada, must buy before leaving Canada.

Q. Does RIMI offers monthly payments?

Ans. Yes, but please note there is extra one time charges for monthly payment option.

Q. Does RIMI offers Refunds?

Ans. Yes all visitor, super visa insurance policies are refundable subject to:-

• 10 days cooling period
• Full refund on visa refusal
• Partial refund on status change, or early return to the home country

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