Plan Info Rimi Standard Plan

RIMI Insurance (Secure Travel Visitors to Canada) Summary

Benefits

• Emergency medical treatment (hospitalization, physicians, surgeons, anesthetists)
• Diagnostic tests and x-rays (some require pre-approval)
• Prescription drugs (30-day supply limit)
• Private duty nursing (up to $10,000)
• Paramedical services (e.g., chiropractor, physiotherapist) – up to $500 each
• Emergency dental (up to $3,000 for accidental, $500 for pain relief)
• Emergency transportation (air/land, including return home)
• Accidental Death & Dismemberment (up to $150,000)
• Flight accident coverage (up to $50,000)
• Repatriation of remains (up to $10,000)
• Meals and 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, and excess baggage return benefits

Eligibility

• Visitors to Canada, individuals on work/study permits, new immigrants or returning Canadians without provincial healthcare
• Age 15 days to 89 years
• Must not be traveling against physician advice
• No terminal illness, recent major treatments (cancer, organ transplant, dialysis, oxygen use)
• Must not require assistance with daily living activities

Refunds

• Full refund if canceled before the effective date
• Partial refund available for early return to origin or gaining eligibility for government health plan (proof required)
• Requests must be made in writing within 60 days

Extensions

• Can apply to extend coverage before expiry (no claims or changes to health during original policy)
• New conditions during the original policy are excluded from extended coverage
• Automatic 72-hour extension for hospitalization or travel delay at expiry

Claims

• Must notify MSH Assistance within 24 hours of emergency treatment
• Submit claims within 90 days with full documentation (itemized bills, proof of payment, medical records)
• Failure to notify in time may result in 20% co-insurance penalty

Exclusions

• Unstable pre-existing conditions
• Elective or routine checkups, non-emergency care
• Travel against medical advice
• Injuries from alcohol/drug use, criminal activity, or extreme sports
• Pregnancy-related complications beyond 31 weeks
• Conditions in infants under 2 years old (congenital, birth defects)
• Acts of war or terrorism (outside Canada)

This summary is based on the official policy wording provided by RIMI (Secure Travel). For full details, refer to the complete policy document.