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Secure Travel (RIMI) Visitor to Canada Insurance Review – 2024
Secure Travel visitors to Canada insurance offers comprehensive coverage tailored for non-residents. With options including the Standard and Enhanced Plans, the policy covers up to $1,000,000 for medical expenses and provides benefits for pre-existing conditions, hospitalization, and emergency dental care. Key features include coverage for visitors up to 90 years old.
- What are the key features of Secure Travel’s visitor health insurance?
- What are the different Secure Travel visitor health plans I can choose from?
- How much does visitor health insurance from Secure Travel cost?
- Who is eligible for Secure Travel’s visitor health insurance?
- What are the pros and cons of Secure Travel’s visitor health insurance?
- How does Secure Travel assist in processing claims?
- Are there any exclusions or limitations to Secure Travel’s visitor health insurance?
- Frequently asked questions
When planning a trip to Canada, ensuring you have the right health insurance is crucial, especially since medical costs can be unexpectedly high for visitors. Secure Travel, also known as RIMI, visitors to Canada health insurance is designed to provide comprehensive coverage tailored to the unique needs of international travellers visiting Canada.
In this review, we’ve detailed the key features of Secure Travel’s visitor insurance plan, exploring its coverage options, benefits, and why it might be the right choice for safeguarding your health during your stay in Canada.
What are the key features of Secure Travel’s emergency medical plans for visitors?
Secure Travel visitor insurance plans are designed to ensure non-residents and visiting families are financially safeguarded against unexpected medical emergencies while in Canada.
Key features of Secure Travel (RIMI) visitor to Canada insurance
| Category | Details |
| Maximum age | 90 years |
| Maximum coverage amount | $1,000,000 |
| Deductibles | $0, $100, $250, $500, $1,000, $3,000 |
| Waiting period |
|
| Monthly payment plans offered | Yes |
| Stability period |
|
| Policy extension | Automatic extension for up to 72 hours |
| Coverage period | 365 days |
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What are the different Secure Travel (RIMI) visitor health plans I can choose from?
There are two visitors to Canada insurance plan options by Secure Travel’s Secure Travel that tourists can choose from: the Standard Plan and the Enhanced Plan. The coverage options and premium amounts can differ for both of them.
Secure Travel (RIMI) visitor to Canada insurance plans
| Benefit | Standard Plan | Enhanced Plan |
| Pre-existing medical conditions | Coverage for pre-existing conditions up to plan limit for individuals below 85 years on following the stability period of 90 or 180 days (based on age limit) | |
| Maximum sum insured | Up to $1,000,000 | Up to $1,000,000 |
| Coverage duration | Up to 365 days | Up to 365 days |
| Hospitalization | Semi-private accommodation included | Semi-private accommodation included |
| Services of physician, surgeon, in-hospital nurse | Included | Included |
| Diagnostic services | Included | Included |
| Prescription drugs | Covered for 30 days up to $500 | Covered for 30 days up to $1,000 |
| Private duty nurse | Coverage up to $5,000 | Coverage up to $5,000 |
| Paramedical services | Covered. Up to $300 per service | Covered. Up to $300 per service |
| Emergency dental | Coverage up to $1,000 for any injury and up to $300 for pain not related to any injury | Coverage up to $3,000 for any injury and up to $500 for pain not related to any injury |
| Assistance-related medical appliances | Coverage up to $5,000 | Coverage up to $5,000 |
| Follow-up visits | Coverage for follow-ups for 3 visits | Coverage for follow-ups for 3 visits |
| Emergency transportation | Included | Included |
| Repatriation of remains | Coverage up to $5,000 | Coverage up to $10,000 |
| Accidental Death & Dismemberment (AD&D) | Coverage up to $50,000 | Coverage up to $50,000 |
| Flight accident | Coverage up to $50,000 | Coverage up to $100,000 |
| Transportation to bedside | Not covered | Coverage of $150/day with a maximum limit of $3,000 |
| Meals & accommodation | Not covered | Coverage of $150/day with a maximum limit of $3,000 |
| Return & escort of children | Not covered | Airfare of economy travel covered |
How much does the visitor health insurance by Secure Travel (RIMI) cost?
The cost of Rimi visitor health insurance policy varies between $90 to $300, depending on factors such as age, gender, and whether the individual has any pre-existing conditions. Some of the premiums may be as follows:
Cost of Secure Travel’s visitor to Canada insurance
| Age Group | Standard Plan Premium Cost | Enhanced Plan Premium Cost |
| 25 Years | $94.20/month | $100.20/month |
| 35 Years | $92.70/month | $102/month |
| 45 Years | $101.70/month | $115.50/month |
| 55 Years | $110.10/month | $129.60/month |
| 65 Years | $133.20/month | $168.60/month |
| 75 Years | $240/month | $328.80/month |
*These costs reflect $100,000 in coverage for a visitor travelling to Canada for 30 days, with separate rates for those without pre-existing conditions.
Does Secure Travel offer monthly payment plans for visitors to Canada insurance?
Yes, Secure Travel offers monthly payment plans, allowing visitors to spread out the cost of their coverage instead of paying the full premium upfront. The monthly payments will be 1/12 of the total premium. On the policy’s start date, you’ll be billed for two months’ premium plus a policy issue fee.
The monthly installment plan helps families manage costs more easily, though it’s important to confirm if the provider offers this option, as not all do.
Who is eligible for Secure Travel’s visitor health insurance?
You are eligible for Secure Travel’s visitor health insurance if you are a visitor to Canada, a Canadian not covered by a government health plan, someone on a work visa or Parent and Grandparent Super Visa, or a new immigrant awaiting government health coverage.
Who is not eligible?
Rimi’s visitor insurance for Canada is available to many non-residents, but certain individuals are ineligible. This includes infants under 15 days old and seniors over 90, as well as those with chronic pre-existing conditions such as terminal illness, metastasized cancer, or kidney issues requiring dialysis.
Additionally, individuals travelling against medical advice or engaging in high-risk activities like extreme sports or skydiving are not covered by this policy.
What are the pros and cons of Secure Travel visitor health insurance policy?
The Secure Travel visitor health insurance comes with a specific set of pros including an easy claims process, extensive coverage, a longer coverage period, etc. However, there are some cons like higher cancellation fees and extensive documentation process.
Here is a detailed overview of the pros and cons of Secure Travel’s visitor to Canada insurance:
Pros and cons of Secure Travel’s visitor to Canada insurance
| Pros | Cons |
| Covers emergency medical expenses, including hospital stays, physician services, ambulance transportation, and prescription drugs | May exclude high-risk activities and have restrictions on certain diseases |
| Includes non-medical emergencies like trip interruption, lost baggage, and flight delays | Not all pre-existing conditions are covered if unstable within the required period, pre-existing conditions not covered for those above 80 years |
| Variety of plans based on specific requirements and stay duration | Premiums may be higher for older travellers due to increased health risks |
| Covers some pre-existing conditions if stable for 120 days before the policy effective date for travellers under 69 years of age | Primarily focuses on emergency medical coverage with limited non-medical benefits like trip cancellation or adventure sports |
| Simple, user-friendly online application with email policy documents | |
| 24/7 customer service available for inquiries and claims processing |
How does Secure Travel assist in processing claims?
Secure Travel provides full claims support for visitors’ health insurance, offering clear guidance through each step of the process. They assist with completing and submitting the required paperwork, ensuring claims are handled efficiently.
To submit a claim, the forms must be filed within 30 days of the expense or loss, with supporting documents submitted within 90 days of the medical emergency or hospitalization.
Key documentation includes a fully completed claim form, original itemized medical bills, prescription drug receipts, and proof of travel dates, such as an airfare ticket and passport.
Are there any exclusions or limitations in my Secure Travel visitors to Canada insurance plan?
While Secure Travel visitors’ health insurance offers extensive coverage, there are certain exclusions such as unstable pre-existing condition coverage, non-medical treatment procedures, transplants, maternity care and more. Be sure to review these exclusions to stay well-informed.
Exclusions to Secure Travel’s visitor to Canada insurance
| Exclusion Category | Details |
| Pre-existing conditions |
|
| Expenses outside the coverage period | Any expenses incurred outside the coverage period |
| Expenses outside Canada | Expenses incurred outside Canada, except under specific conditions such as emergency expenses en route to or from Canada or during side trips outside Canada |
| Non-emergency treatment | Treatment not required for the immediate relief of acute pain and suffering, or that can reasonably be delayed until the policy expires or the insured returns home |
| Follow-up treatment | Follow-up treatment, recurrence of a medical condition, or subsequent emergency treatment related to a condition treated during the coverage period |
| Transplants | Any type of organ transplant procedure is not covered |
| Medication replenishment | The cost of replenishing medications in use before departure or for maintaining a treatment course that began prior to arriving in Canada |
| Pre-approval for certain procedures | Emergency air transportation, surgery, diagnostic testing, and cardiac procedures unless pre-approved by the insurance company |
| Mental, emotional, or nervous disorders | Treatment for disorders resulting from causes like anxiety or depression |
| Treatment by family members | Any treatment or services performed by a family member and not a licensed professional in Canada |
| High-risk activities | Injuries or illnesses resulting from activities such as extreme sports or hazardous pursuits are typically not covered |
| Cataracts | Treatment for cataracts or any conditions resulting from cataract care |
| Pregnancy and childbirth | Expenses related to pregnancy, childbirth, complications, or a child born during the coverage period, including voluntary abortion |
| Declined or delayed treatment | Conditions related to any medical condition for which recommended treatment, diagnostic testing, or prescription medication was declined or delayed in the previous 2 years |
| Drug, alcohol, or medication use | Conditions resulting directly or indirectly from the use of drugs, alcohol, or medication |
| Suicide or self-inflicted injury | Any expenses related to attempted suicide, or intentional self-inflicted injuries |
| Driving motorcycles or similar vehicles | Injuries sustained while driving motorcycles, mopeds, or scooters, regardless of location, unless holding a valid Canadian driver’s license |
| Piloting aircraft | Any accidents occurring from piloting an aircraft or air travel on any non-commercial flight |
| Fraud or misstatement | Fraud, concealment, or deliberate misstatement affecting the insurance or claim process |
| Participation in crime | Injuries or conditions arising from participation in a crime or malicious act |
Should I purchase Secure Travel’s visitor medical insurance?
Wondering if Secure Travel’s visitor medical insurance is the right choice for you? Let our experienced advisors at PolicyAdvisor assist you. Our experts can help you understand the benefits and limitations of Rimi visitor insurance plans, ensuring you select the best visitor insurance policy that fits your travel plans perfectly.
Frequently Asked Questions
How long does it take to process a claim with Secure Travel?
Secure Travel typically processes claims within 10 to 15 business days of receiving all necessary documentation. The exact time can vary depending on the complexity of the claim and the completeness of the submitted documents.
What is the process for cancelling my Secure Travel visitors health insurance policy?
To cancel your Secure Travel visitors’ health insurance policy, contact their customer service department to initiate the cancellation process. Be sure to provide any required information and follow the cancellation procedures outlined in your policy. Refunds may be available based on the timing of the cancellation and the terms of your policy.
How do I renew or extend my Secure Travel visitor insurance plan?
Although Secure Travel allows for an automatic extension of 72 hours for their visitors to Canada policy in case of prolonged delays due to a medical emergency or hospitalization just prior to your departure date.
To renew or extend your Secure Travel visitor insurance plan, you should submit an application or talk to an expert insurance broker (such as our experts at PolicyAdvisor). Ensure that no claims have been reported and that your request is submitted promptly.
Does Secure Travel offer monthly payment plans?
Yes, Secure Travel offers monthly payment plans, allowing visitors to spread out the cost of their coverage instead of paying the full premium upfront. The monthly payments will be 1/12 of the total premium. On the policy’s start date, you’ll be billed for two months’ premium plus a policy issue fee.
- Secure Travel offers up to $1,000,000 in coverage with options for pre-existing conditions and emergency dental care
- Available for travelers up to 90 years old, with specific exclusions and stability periods for pre-existing conditions
- Full premium payment is needed upfront, and claims involve detailed documentation, taking 10 to 15 business days to process
