Visiting Canada in 2026? What to Know About RIMI Visitors Insurance (Secure Travel) and How DaddySafe Helps You Compare

Are you planning a visit to Canada in 2026, whether it's to reunite with family, attend a celebration, or simply experience Canada's cities and landscapes? A medical emergency can turn a beautiful trip into a financial shock. That's why many visitors choose Visitors to Canada travel insurance before they arrive or soon after landing.

In this blog, we'll break down Secure Travel RIMI Visitors to Canada Travel Insurance in simple terms, based only on the policy wording provided. You'll also learn how to compare options on DaddySafe and what to watch for if you need to cancel and request a refund.

If you want help choosing a refund-friendly option for a Super Visa or visitor trip, talk to an advisor for refund-friendly plans.

Who is RIMI (Secure Travel) Visitors to Canada Travel Insurance?

Secure Travel RIMI Visitors to Canada Travel Insurance is a Visitors to Canada travel insurance policy underwritten by Industrial Alliance Insurance and Financial Services Inc.

The policy includes important reminders that travel insurance is designed for sudden and unforeseeable circumstances, may have limitations and exclusions, and that costs incurred in your country of origin are not covered. It also explains that you are required to notify the assistance provider prior to medical treatment, and benefits may be limited if you do not.

Who is this plan designed for?

Based on the policy's eligibility rules, this coverage may be suitable for people who are in Canada and not eligible for a government health insurance plan, including:

• Visitors to Canada

• People in Canada under a valid work visa or student visa

• Canadians or immigrants who are not eligible for benefits under a government health insurance plan

The policy also includes age eligibility rules (from 15 days old and under 90 years of age) and other health-related eligibility restrictions that you should review carefully before purchase.

What kinds of coverage does the policy describe?

This policy is built around emergency-based coverage. The insurer agrees to pay reasonable and customary costs up to the selected sum insured for eligible expenses in case of an emergency occurring while in Canada (and for limited temporary visits to other countries), subject to limitations, exclusions, and provisions.

Examples of benefits described in the policy include:

Hospital accommodation charges up to the ward rate (and semi-private room for the Enhanced plan), emergency-room fees, and emergency out-patient services when medically necessary

Repatriation of remains with stated maximums (different limits for Standard vs Enhanced plan)

Enhanced-plan-only benefits that can include transportation to bedside (when approved in advance), meals and accommodation (when approved), hospital allowance, return and escort of children, and other related benefits

Not all benefits apply to every plan type. Some are only available if the Enhanced plan is selected and paid for, as shown on the confirmation of insurance.

Super Visa insurance: how this policy connects to a Super Visa application

Families often search "Super Visa insurance Canada 2026" because they want parents or grandparents to visit longer and feel at home in Canada. This policy wording specifically addresses what happens if the policy was purchased for a Super Visa application and the Super Visa is denied.

If cancellation is requested prior to the effective date, the policy states the premium will be refunded less any applicable administration fee. It also states that if the policy was purchased for a Super Visa application, satisfactory proof that the Super Visa was denied is required before the refund is accepted and processed.

This is important because it tells you what documentation may be required if a Super Visa application outcome changes.

Visitor-to-Canada insurance: for family visits, tourism, and newcomers waiting for health coverage

Many people visiting Canada for a few weeks or months want protection for emergency medical situations. The policy also includes provisions that may be relevant when:

You purchase coverage before leaving your country of origin

You purchase coverage after arrival in Canada (with special waiting period rules for sickness)

You need to extend your coverage beyond the expiry date

The policy sets a maximum coverage period of 365 days per policy and includes rules about effective date, expiry, and when coverage ends.

International students and work permit holders in Canada

The policy's eligibility section states that a person in Canada under a valid work or student visa may be eligible, as long as they are not eligible for benefits under a government health insurance plan and they meet the policy's other eligibility conditions.

This can matter for students or workers who are waiting for provincial or territorial health coverage to begin, or who are otherwise not eligible for government health insurance benefits.

How effective date and waiting periods work (the details that can affect claims)

The policy explains that coverage starts on the latest of:

The date and time you apply for and pay for the insurance

The effective date shown on the confirmation of insurance

The date and time of arrival in Canada (proof may be required)

It also includes an exception when the policy is purchased prior to leaving the country of origin, where coverage can commence on the date of departure shown on the plane ticket for uninterrupted travel to Canada.

Waiting period rules matter if the policy is purchased after arrival in Canada:

If purchased within 30 days of arrival, there is no coverage for sickness that began or for which symptoms were experienced during the 48-hour period following the effective date

If purchased more than 30 days after arrival, the waiting period is 8 days

The waiting period may be waived if a new policy is purchased on or prior to the expiry date of an existing Secure Travel RIMI policy and there is no gap in coverage (with no increase in sum insured)

Side trips, temporary return home, and time outside Canada

The policy includes specific restrictions and conditions that are important for visitors who travel around:

A minimum of 51 percent of the coverage period must be spent in Canada

Time spent outside Canada is limited to a maximum of 30 days per visit

There is no coverage while in the country of origin

Temporary return to the country of origin is allowed, but the premium for those days is not refunded or reissued, and any medical condition for which symptoms were present or treatment was received during the temporary visit is not covered for the remaining period of coverage

Refunds and cancellations: what the policy says

Refund rules can be the difference between stress and relief, especially when travel plans change.

The policy states:

You may cancel within 10 days of purchase for a full refund provided it is before the effective date

If cancellation is requested prior to the effective date, the full premium paid will be refunded less any applicable administration fee

If the policy was purchased for a Super Visa application, satisfactory proof that the Super Visa was denied is required before the refund is accepted and processed

Partial refunds may be available for the unused portion of premium (less administration fees) if termination is requested because you must return to your country of origin early, or you become eligible and/or covered under a government health insurance plan during the coverage period

Refund requests must be received in writing by the broker or sales agent no later than 60 days from the date you became eligible/covered under a government health insurance plan, or the date of early return, or the policy expiry date

Proof such as airline ticket or boarding pass and customs/immigration stamps may be required for early return, and proof may be required for the date you became eligible/covered under a government health insurance plan

Where can you compare quotes and rates?

DaddySafe is built to help families compare Visitors to Canada insurance and Super Visa insurance options in one place, so you can choose coverage that matches your travel dates, age band, and comfort level with refunds and cancellation rules.

If you are trying to choose plans that are more refund-friendly (especially when a Super Visa application outcome is uncertain), talk to an advisor for refund-friendly plans.

Why many families consider Secure Travel RIMI (in plain language)

People often choose a plan like this when they value:

• Clear eligibility rules (who can buy and when)

• Defined emergency-focused benefits with plan-level differences (Standard vs Enhanced)

• Written rules for effective date, waiting periods after arrival, and coverage duration

• Documented refund rules, including how Super Visa denial refunds are handled

• Family coverage conditions for families traveling together under one policy (when purchased as family coverage and conditions are met)

Disclaimer

This blog is for general information only and is not legal advice. Always read the insurance company policy wording and talk to a licensed advisor to confirm eligibility, coverage, exclusions, and refund rules for your specific situation. Coverage, benefits, and refunds depend on the plan you purchase and the policy terms.