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- Secure Travel offers up to $1,000,000 in coverage, with options for pre-existing conditions and emergency dental care
- Available for travellers up to 90 years old, with specific exclusions and stability periods for pre-existing conditions
- Secure Travel visitor insurance plan typically costs between $90-330/month; the cost can further vary based on age, gender, and pre-existing medical conditions
Secure Travel Visitors to Canada insurance offers up to $1 million in emergency medical coverage, including hospitalization, doctor visits, emergency dental care, and coverage for eligible stable pre-existing conditions. The plan is also known for its monthly payment options, and affordable premiums starting at $90/month for $100,000 in coverage for a 30-day visit to Canada.
Quick review: Secure Travel Visitors to Canada Insurance
- PolicyAdvisor ratings: 5/5
- Best for: Overall comprehensive coverage
- Skip if: You want higher deductibles (more than $3,000)
What is Secure Travel (RIMI) Visitor Insurance?
Secure Travel’s visitors to Canada insurance is a flexible emergency medical insurance plan that offers coverage for both short-term and long-term stays in Canada. The plan is available in two types: Standard and Enhanced.
The policy provides coverage for unexpected medical emergencies, including hospital stays, along with coverage for hospital allowance, transportation to the bedside, meals and accommodation, and excess baggage return under the Enhanced Plan. The policies are underwritten by iA Financial Group, and the claims are administered by MSH Assistance, which offers 24/7 emergency support and direct billing arrangements where possible.
The table below outlines the key features of the Secure Travel Visitor to Canada insurance plan
| Category | Details |
| Maximum age | 90 years |
| Maximum coverage amount | $1,000,000 |
| Deductibles | $0, $100, $250, $500, $1,000, $3,000 |
| Waiting period |
|
| Stability period |
|
| Policy extension | Automatic extension for up to 72 hours |
| Coverage period | 365 days |
| Underwritten by | iA Financial Group |
Benefits of Secure Travel visitor to Canada insurance
Secure Travel Visitors to Canada insurance includes a wide range of emergency medical benefits designed to help visitors manage unexpected healthcare expenses during their stay in Canada. Listed below are a few of them:
- Emergency hospitalization: Covers eligible emergency medical expenses such as hospital accommodation, medical services, diagnostic services, and more
- Coverage for prescription medications: Up to $500 (Standard Plan) or $1,000 (Enhanced Plan) for a 30-day emergency supply
- Emergency dental: The Standard plan provides coverage of up to $1,000 per injury, while the Enhanced plan extends its coverage amount up to $3,000 per injury
- Enhanced plan benefits: Access to additional benefits, including transportation for a family member to the insured’s bedside, hospital allowance, return and escort of dependent children, and excess baggage return
- Accidental death and dismemberment: In the event of the insured person’s loss of sight, limb, or life due to accidental injury, Secure Travel will reimburse up to $50,000
- 24/7 emergency assistance support: Access to MSH Assistance, which provides 24/7 emergency support, claims assistance, and direct billing coordination
Pros and cons of Secure Travel visitor to Canada insurance
Here is an 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 | May exclude high-risk activities |
| 24/7 customer service inquiries and claims processing | Premiums may be higher for those above 65 years old |
| Standard and Enhanced plans are available based on specific requirements and stay duration | The maximum deductible option available is only $3000 |
| Family coverage option available for spouses and dependent children | |
| Optional deductibles can help lower premiums |
Who is eligible for RIMI visitor insurance coverage?
To be eligible for Secure Travel’s visitor to Canada insurance, the prerequisites are:
- Be a visitor to Canada who is not covered by a government health plan
- Be at least 15 days old and under 90 years of age
- Must not be travelling against the advice of a physician
- Have not been diagnosed with a kidney condition or been treated for pancreatic, liver, lung, brain, or any kind of metastasized cancer
- Have not taken home oxygen in the 12 months prior to the effective date
Secure Travel visitor insurance plans: Coverage and limits
Choose Standard if you want core emergency medical coverage at a lower price and Enhanced if you want higher dental limits and additional travel‑assistance benefits.
Standard vs. Enhanced Plan
| Feature | Standard Plan | Enhanced Plan |
| Pre-existing medical conditions | Coverage for pre-existing conditions up to the plan limit for individuals under age 85, following a stability period of 90 or 180 days based on age | |
| 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 hospital ward included | Semi-private accommodation included |
| Services of a 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 $500 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 |
| Hospital allowance | Not included | $50 per day (max 10 days) |
| 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 for economy travel is covered |
| Excess baggage return | Not covered | $500 |
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:
Secure Travel Premium Costs & Pricing (2026)
| 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.
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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. On the policy’s effective date, policyholders are billed an amount equal to two months’ premium along with a policy issue fee. The remaining balance is then divided into 10 equal monthly installments, which are billed on the same date over the following 10 months.
Under this option, the monthly payment amount is calculated as 1/12 of the total premium due. This payment flexibility can help families manage the cost of visitors to Canada insurance more conveniently, especially for longer stays.
However, eligibility for monthly payments and applicable fees may vary, so it is important to review the policy terms before purchasing coverage.
Are there any exclusions or limitations in my Secure Travel visitors to Canada insurance plan?
Secure Travel’s visitors to Canada insurance plan does not provide coverage for all medical expenses. Be sure to review these exclusions to stay well-informed.
Exclusions to Secure Travel’s visitor to Canada insurance
| Exclusion Category | Details |
| 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 |
Who should buy Secure Travel (RIMI) Visitor to Canada Insurance
Secure Travel visitors to Canada insurance may be suitable for travellers visiting Canada who are looking for:
- Coverage for eligible stable pre-existing medical conditions
- Emergency medical coverage for hospital stays and doctor visits
- Monthly payment options for easier premium management
- Flexible deductible options to help reduce premium costs
- Higher coverage limits of up to $1,000,000
- Additional travel-related benefits under the Enhanced Plan
- Emergency dental coverage
How does Secure Travel assist in processing claims?
Secure Travel provides comprehensive claims support for visitors’ health insurance, offering clear guidance at every step of the process. To submit a claim, follow these steps:
- In the event of a medical emergency, insured travellers must contact MSH Assistance as soon as possible and before receiving treatment whenever possible
- Once the claim is reported, travellers can receive emergency medical treatment for covered conditions
- To submit a claim, travellers must provide supporting documents, including a duly completed claim form provided by MSH Assistance, original itemized bills, original itemized bills from the medical provider(s), original prescription drug receipts, a copy of their airfare ticket and a passport confirming travel dates, written proof of claim, and more
- Written proof of claim should generally be submitted within 90 days of receiving medical services
- Once all the proof is submitted, Secure Travel will review the documents and reimburse based on the terms and conditions
Our advisors’ take on Secure Travel visitor to Canada insurance
At PolicyAdvisor, we actively help families with the right coverage. We recently helped a 68-year-old parent travelling to Canada on a Super Visa who needed affordable insurance with strong medical coverage for an extended stay.
The Client Profile:
- Age: 68 years old
- Visa Type: Super Visa
- Primary Concern: Affordable premiums with coverage for a stable pre-existing condition
- The Market Comparison: After comparing quotes across Canada’s top providers, we recommended the Secure Travel (RIMI) Enhanced Plan. During our comparison, we found that Secure Travel offered highly competitive premiums for the 65-75 age bracket. For a healthy applicant in their late sixties, Enhanced Plan premiums map closely to the $168.60/month, making it significantly more cost-effective than comparable plans from competitors like TuGo and Travelance.
Why we recommended Secure Travel: Beyond the monthly payment option, which drastically reduced the upfront financial burden, the overall value stood out. We specifically recommended the Enhanced Plan because, on top of the $1 Million in emergency medical coverage and flexible deductibles (up to $3,000), it includes benefits vital for older travellers on long stays:
- Hospital Allowance: Cash support for incidental hospital expenses
- Family Support: Paid transportation to the bedside and meal/accommodation allowances if hospitalized
- Stable Pre-Existing Coverage: Seamless coverage for their managed pre-existing condition
If you are bringing a parent or grandparent to Canada, schedule a call with our licensed brokers to see if Secure Travel is the most cost-effective option for your family. Also, explore a complete list of the best visitor insurance companies in Canada.
Frequently asked questions
Is Secure Travel a good insurance company?
Yes, Secure Travel is a reliable insurance company that provides comprehensive coverage for hospital accommodation, medical services, diagnostic services, dental emergency, pre-existing medical conditions, and a lot more. The company also has deductible options of up to $3,000.
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.
How do I renew or extend my Secure Travel visitor insurance plan?
Secure Travel allows an automatic extension of up to 72 hours in case of prolonged travel delays caused by a medical emergency or hospitalization immediately before departure. 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).
What are the plan options available with Secure Travel (RIMI) visitor to Canada plans?
RIMI Insurance offers two plan types: Standard and Enhanced. Both plan options offer similar coverage, except for the Enhanced Plan, which also covers hospital allowance, transportation to the bedside, meals and accommodation, return and escort of children, and excess baggage return.
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.
