Secure Travel (RIMI) Travel Insurance Review (2026)

What is Secure Travel (RIMI) travel insurance?

Secure Travel Insurance is an emergency medical policy designed for eligible Canadian residents travelling outside their home province or territory. The policy is underwritten by certain Lloyd’s Underwriters through a Lloyd’s Approved Coverholder and is offered under the Canuck Voyage Travel Medical Insurance plan. 

It is available as a single-trip or multi-trip annual plan, with top-up coverage for additional days of protection. Secure Travel focuses exclusively on emergency medical insurance and does not include trip cancellation or trip interruption coverage.

Key features of Secure Travel’s Canuck Voyage Travel Medical Insurance

Who is eligible for Secure Travel Canuck Voyage Insurance?

To be eligible for Secure Travel’s emergency travel insurance plan, you must be:

• A Canadian resident covered by your government health insurance plan for the entire duration of your trip
• Purchase coverage for the entire duration of your trip
• At least 15 days of age and less than 80 years of age
• Travelling for no more than 60 days (for those aged 60 to 79 years)

Who is not eligible for the Secure Travel Canuck Voyage Insurance?

You are not eligible if you:

• Have been diagnosed with a terminal illness
• Are experiencing new or undiagnosed symptoms, or know of any reason to seek medical attention
• Are travelling to obtain medical treatment outside your province or territory of residence, whether or not recommended by your attending physician
• Have used, or been prescribed, home oxygen during the 12 months prior to the effective date
• Have been diagnosed with congestive heart failure
• Have a diagnosed, unrepaired aneurysm of 4.5 centimetres or more
• Require assistance with the activities of daily living (dressing, bathing, eating, using the toilet or getting in or out of a bed or chair)

Secure Travel (RIMI) travel insurance plan types

Secure Travel (RIMI) offers the Canuck Voyage Travel Medical Insurance plan for Canadians travelling outside their home province or territory. The plan is available as either a single-trip or multi-trip annual policy, with optional top-up coverage for travellers who need to extend their emergency medical coverage beyond the original policy period.

• Single-trip plan: Covers one trip outside your home province or territory for the period selected on your policy. Coverage begins on your effective date and ends when you return home, or your policy expires, whichever comes first
• Multi-trip annual plan: Covers unlimited trips outside your province or territory of residence, up to the maximum trip duration you purchase. It also includes unlimited travel within Canada outside your home province, making it ideal for frequent travellers who take multiple trips throughout the year
• Top-up coverage: Extends your emergency medical coverage if your trip lasts longer than the number of days covered under your multi-trip annual plan or another eligible travel insurance policy. It must be purchased before your existing coverage expires, and you must not have experienced a change in your health condition

What is covered under Secure Travel’s Canuck Voyage Travel Medical Insurance?

Secure Travel’s Canuck Voyage Travel Medical Insurance provides coverage for eligible emergency medical expenses. Depending on the policy terms and limits, your coverage includes the following benefits:

• Emergency medical expenses: Covers eligible emergency hospital stays, physician services, emergency outpatient treatment, laboratory tests, X-rays, prescription drugs, private duty nursing, and medically necessary medical appliances
• Prescription drugs: Reimburses eligible prescription medications required to treat a covered medical emergency, including injectable drugs and sera, when prescribed to treat a covered medical emergency
• Emergency dental treatment: Covers emergency dental care, including up to $5,000 to repair accidental dental injuries and up to $650 for emergency treatment to relieve dental pain, subject to policy conditions
• Medical and diagnostic services: Covers treatment by licensed physicians, surgeons, anaesthetists, and registered nurses, along with medically necessary blood products, oxygen therapy, laboratory tests, and physician-ordered X-rays
• Private duty nursing: Covers medically necessary services of a registered private duty nurse when prescribed by a physician and approved by Intrepid 24/7™ during hospitalization or as an alternative to hospitalization
• Emergency medical transportation and evacuation: Covers licensed ground and air ambulance services, emergency medical evacuation, repatriation to Canada when medically necessary, transportation between hospitals, and evacuation from remote locations, subject to policy limits and prior approval where required
• Paramedical services: Covers eligible treatment provided by licensed practitioners, including physiotherapists, chiropractors, osteopaths, podiatrists, chiropodists, acupuncturists, and optometrists
• Meals and accommodation: Reimburses eligible accommodation, meals, transportation, essential phone and internet charges, and childcare expenses if your return home is delayed due to a covered medical emergency
• Repatriation of remains: Covers eligible expenses for preparing and returning your remains to Canada or for cremation or burial at the place of death, subject to the policy limits
• Hospital allowance: Provides a daily hospital allowance for incidental hospital charges and covers eligible expenses incurred while hospitalized during a covered emergency
• Psychological support: Covers eligible visits to a licensed psychiatrist, psychologist, or social worker for acute symptoms when deemed medically necessary, up to the applicable policy limit
• Return to your trip destination: Covers up to $5,000 for one-way economy airfare to return you and one travel companion to your original trip destination after you recover and are medically cleared to resume your trip
• Excess baggage return: Covers up to $1,000 to return your excess baggage if you are medically transported back to Canada

Secure Travel’s Canuck Voyage Travel Medical Insurance coverage details at a glance

What is not covered under Secure Travel’s Canuck Voyage Travel Medical Insurance?

The Canuck Voyage Travel Medical Insurance policy does not cover the following:

• Medical conditions that do not meet the policy’s pre-existing condition or stability requirements
• Symptoms ignored after your policy takes effect when a reasonable person would have sought medical attention
• Non-emergency, elective, or cosmetic treatments
• New conditions before a top-up or policy extension take effect
• Travel against a physician’s advice or terminal illness
• Treatment that can safely wait until you return to Canada
• Ongoing or routine treatment for chronic conditions
• Medical treatment without the required prior approval (except in life-threatening emergencies)
• Alcohol- or drug-related injuries or illnesses
• Routine pregnancy care, childbirth, and related complications
• Injury due to involvement in illegal acts, criminal activities, or self-inflicted injuries
• High-risk activities (e.g., mountain climbing, skydiving, professional sports) resulting in injuries
• Loss or damage to hearing devices, eyeglasses, sunglasses, contact lenses, or prosthetic teeth, limbs, or devices, and any resulting prescriptions

Pros and cons of Secure Travel Insurance

How to make a claim under Secure Travel’s travel insurance policy?

If you need to make a claim under your Secure Travel Canuck Voyage Travel Medical Insurance policy, follow these steps:

• Contact Intrepid 24/7™:  You must contact Intrepid 24/7™ as soon as you experience a medical emergency. If you are admitted to a hospital, you must contact them within 24 hours before any surgery. Failure to do so may reduce your eligible benefits unless it is a life-threatening emergency
• Complete the claim form: Fill out a separate claim form for each new illness or injury
• Gather supporting documents: Submit original itemized medical bills, prescription receipts, proof of your departure and return dates, and any additional documents required
• Provide proof of claim: Send written proof of your claim within 90 days of receiving the covered medical services
• Complete the authorization form: Sign and return the authorization form so the insurer can coordinate benefits with your provincial or territorial health insurance plan, where applicable
• Submit your claim request: Send all completed forms and supporting documents to Intrepid 24/7™ for processing

Can you cancel or get a refund on Secure Travel Insurance?

Yes, Secure Travel’s Canuck Voyage Travel Medical Insurance offers refunds in certain situations. The exact refund amount depends on when you cancel your policy and whether you have started your trip or made a claim.

• Cancel within 10 days: You can receive a full refund if you cancel within 10 days of receiving your policy, provided you have not departed on your trip, no claim has been or will be made, and you notify the insurer in writing within the 10-day period
• Return home early: You may qualify for a partial refund if you return to your home province, territory, or Canada before your scheduled return date, provided no claim has been made, and the policy is terminated. All insured travellers under the same policy must return together to be eligible
• Multi-trip annual plans: Refunds or cancellations are available only before the policy’s effective date or if no travel has taken place during the policy period

Please note that a $25 administration fee may apply to partial refunds, and no refund is issued if the refundable amount is less than $20 per policy. Also, all refund requests must be submitted in writing within the policy’s required timeframe.

Does Secure Travel’s travel insurance allow automatic extensions?

Yes, Secure Travel’s Canuck Voyage Travel Medical Insurance automatically extends your emergency medical coverage at no additional premium in certain situations. 

• Travel delay: Coverage extends for up to 5 days if your return is delayed because of a vehicle or common carrier delay, as long as the delay occurs before your policy expires
• Medically unfit to travel: Coverage extends for up to 5 days if medical evidence confirms you were unable to travel on or before your policy’s expiry date.
• Hospitalization: If you are hospitalized when your policy expires, your coverage continues for the entire period of hospitalization, plus an additional 5 days after your discharge

How does Secure Travel compare to other travel insurance providers?

Secure Travel stands out for its high emergency medical coverage of up to $7 million and straightforward emergency travel medical plans. However, unlike many other Canadian travel insurance providers, it does not offer trip cancellation, trip interruption, or baggage coverage. If you are comparing coverage limits, plan features, pricing, and optional benefits, explore our guide to the best travel insurance companies in Canada to find the policy that best suits your travel needs.

Our licensed advisors at PolicyAdvisor can compare coverage, premiums, and policy features from top Canadian insurers to help you find the plan that best fits your trip and budget. Book your free consultation today!

Frequently Asked Questions

Does Secure Travel’s travel insurance cover travellers with pre-existing conditions over 60?

Yes, travellers aged 60 to 79 may qualify for coverage if their pre-existing medical conditions have remained stable for the required period before the policy’s effective date. The required stability period is 90 days for ages 60–74 and 180 days for ages 75-79.

Can I extend my Secure Travel policy if my trip is longer than planned?

Yes, you can purchase top-up coverage to extend your emergency medical protection. This is applicable if your trip exceeds the number of days covered by your multi-trip annual plan or another eligible travel insurance policy. The top-up must be purchased before your existing coverage expires, and your health condition must remain unchanged.

Does Secure Travel insurance cover emergency dental treatment?

Yes, Secure Travel covers emergency dental treatment, including up to $5,000 for accidental dental injuries and up to $650 for emergency treatment to relieve dental pain, subject to the policy’s terms and limits.

What is the waiting period for Secure Travel’s Canuck Voyage travel medical insurance?

It depends on when you purchase your policy. There is no waiting period if you buy your coverage before leaving your home province or territory. If you purchase it after departure, a 48-hour waiting period applies to sickness claims.

Do I need to contact Intrepid 24/7 before receiving medical treatment?

Yes, you should contact Intrepid 24/7™ immediately if you experience a medical emergency and before receiving medical treatment whenever possible. If you are admitted to a hospital, Intrepid 24/7™ must be notified within 24 hours, and prior approval is required for certain treatments and procedures. Failing to contact Intrepid 24/7™ may reduce your eligible benefits, except in life-threatening emergencies.