RIMI Insurance Plans
Secure Travel’s RIMI Insurance offers two medical coverage plans Standard and Enhanced for visitors to Canada, super visa, work visa, new immigrants and returning Canadians. Both plans are available with and without coverage for pre-existing medical conditions. Enhanced plan is more comprehensive as compared to Standard plan. It offers more benefits in terms of hospitalization, prescription drugs coverage, dental coverage and out-of-pocket expenses than Standard plan. Following are the key benefits of choosing RIMI insurance plans:
- Choose coverage from options ranging from $25,000 to $1Million. However for super visa insurance coverage starts from $100,000.
-
Monthly payment option available for $100,000 or more coverage for 1-year (365 days) plan.
- Diverse range of deductibles, from as minimum as $0 to maximum $3,000. Flexibility in choosing the deductible can offer significant reductions in your premiums.
- Both Standard and Enhanced plan offer coverage for stable pre-existing medical conditions (e.g., BP, heart, diabetes, cholesterol, lung and other conditions).
- 100% refund in case of visa denial. Visa denail letter is required before the insurance start state to process refund.
- Easy early return refund available even with the claims
- Virtual doctor assistance
RIMI Insurance Plans Benefits
|
Benefit |
Standard plan |
Enhanced plan |
|
Pre-existing conditions coverage |
Standard plan 1 - does not cover pre-existing medical conditions Standard plan 2
|
Enhanced plan 1 - does not cover pre-existing medical conditions Enhanced plan 2
|
|
Medical questionnarie required? |
Yes - Only individuals of 70 to 84 years old requiring pre-existing conditions coverage need to complete medical questionnaire | Yes - Only individuals of 70 to 84 years old requiring pre-existing conditions coverage need to complete medical questionnaire |
|
Hospital accommodation |
Covers ward rate |
Covers semi-private room |
|
Prescription drugs |
Up to $500 per prescription limited to 30 days supply. |
Up to $1,000 per prescription limited to 30 days supply. |
|
Follow-up visits |
Up to 3 visits when related to the medical emergency. |
Up to 3 visits when related to the medical emergency. |
|
Private duty nurse |
Up to $5,000 |
Up to $5,000 |
|
Ground or air transportation |
Covers ground and/or air transport when medically necessary. |
Covers ground and/or air transport when medically necessary. |
|
Dental coverage |
Note: conditions apply. Further details are in policy wording. |
Note: conditions apply. Further details are in policy wording. |
|
Laboratory tests & diagnostic services |
|
|
|
Medical Appliances |
Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair. |
Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair. |
|
Health professional services |
Up to $300 per person, per profession listed such as Chiropractor, Physiotherapist, Podiatrist, Osteopath |
Up to $500 per person, per profession listed such as Chiropractor, Physiotherapist, Podiatrist, Osteopath |
|
Accidental death & dismemberment |
Up to $50,000 |
Up to $50,000 |
|
Return of deceased/ Cremation or burial |
The cost of the casket, urn or funeral is not covered. |
The cost of the casket, urn or funeral is not covered. |
|
Flight Accident |
Up to $50,000 in case of death of an insured person as a result of a flight accident. |
Up to $50,000 in case of death of an insured person as a result of a flight accident. |
|
Transportation to bedside |
Not covered |
Covers the following when it is required to transfer a person of your choice to the insured person in emergency or to identify deceased insured person.
|
|
Side trip coverage |
Included if :
|
Included if :
|
|
Out-of-pocket expenses |
Not covered |
Up to $150 per day, to an overall maximum of $3,000 for
|
|
Automatic extensions |
Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons
|
Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons
|
|
Policy cancellation/ Refund |
|
|
|
Waiting period |
Waiting period applies If you purchase policy after your arrival in Canada
|
Waiting period applies If you purchase policy after your arrival in Canada
|
* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of RIMI insurance plans, please take a moment to review the policy wording