Plan Info Rimi Enhanced Plan
Summery of Benefits:
| Product | RIMI Insurance – Secure Travel (Visitors to Canada) |
| Key Benefits | • Emergency medical treatment (hospitalization, physicians, surgeons, anesthetists) • Diagnostic tests & X-rays (some require pre-approval) • Prescription drugs (30-day supply limit) • Private duty nursing (up to $10,000) • Paramedical services (up to $500 each: chiropractor, physiotherapist, etc.) • Emergency dental (up to $3,000 accidental / $500 pain relief) • Emergency transportation (air/land, incl. return home) • Accidental Death & Dismemberment (up to $150,000) • Flight accident coverage (up to $50,000) • Repatriation of remains (up to $10,000) • Meals & accommodation during hospitalization (up to $150/day, max $1,500) • Transportation to bedside (up to $3,000 travel + $1,000 expenses) • Hospital allowance, return of children, excess baggage return benefits |
| Eligibility | • Visitors to Canada, work/study permit holders, new immigrants, or returning Canadians without provincial healthcare • Age: 15 days to 89 years • Must not be traveling against physician advice • No terminal illness or recent major treatments (e.g., cancer, organ transplant, dialysis, oxygen use) • Must not require assistance with daily living activities |
| Refunds | • Full refund if cancelled before effective date • Partial refund if returning early or qualifying for provincial coverage (proof required) • Must request in writing within 60 days |
| Extensions | • Extension allowed before expiry (no claims + no health changes during original policy) • New conditions during original policy are excluded from extension • Automatic 72-hour extension for hospitalization or travel delay at expiry |
| Claims Process | • Notify MSH Assistance within 24 hours of emergency treatment • Submit claim within 90 days with documentation (itemized bills, proof of payment, medical records) • Late notification may result in 20% co-insurance penalty |
| Exclusions | • Unstable pre-existing conditions • Elective/routine checkups & non-emergency care • Travel against medical advice • Injuries due to alcohol/drug use, criminal activity, extreme sports • Pregnancy complications beyond 31 weeks • Infants under 2: congenital conditions/birth defects • War/terrorism (outside Canada) |
| Note | Summary is based on official RIMI (Secure Travel) policy wording. For full details, refer to the complete policy document. |