The RIMI Insurance – Standard Plan:
Visitors to Canada Medical Insurance

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SELECT VISA TYPE
1PERSON AGE
2 PERSON AGE
COVERAGE (CAD)
START DATE
END DATE In New Immigrants/Returning Canadians/Foreign Workers mode, the End Date is set automatically to the minimum amount of days required for the specific province you choose. If you would like to manually set your End Date, please select IEC/Tourist/Visitor/Working Holiday mode.
Pre-existing 1 person If you have a stable existing medical condition, such as a damaged or sick organ, select Yes. If you do not have an existing medical condition, select No. Conditions that are not stable are not covered. Also, some specific conditions, such as heart disease, may not be covered. Please read this company's full coverage details to determine what pre-existing conditions are covered by this company.
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>
Pre-existing 2 person
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>

Your personal information is safe with us.
In order to calculate a personal insurance quote, simply select the number of applicants, their age(s) and indicate whether or not they have any pre-existing
medical conditions. To finalize your results, click on Calculate Quote after you choose desired policy duration and a coverage limit!

Summary of Benefits
Eligibility Requirements
How to Get a Refund
How to Make a Claim

Monthly Plan: Effective August 2, 2022 – Please note that only policies that are paid in full will be accepted as a proof of insurance for Super Visa. Monthly Payment plans are no longer accepted by IRCC. Learn More – Monthly Plan No Longer Accepted
COVID-19 Notice: Please stay up to date with the latest policy changes concerning COVID-19 coverage and eligibility requirements by using the following link – COVID-19 Insurance Updates
Summary of Benefits
Benefit
Standard Plan
Enhanced Plan
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC
Coverage Amounts
$25,000 / $50,0000 / $100,000 / $150,000 / $500,000 / $1,000,000
$25,000 / $50,0000 / $100,000 / $150,000 / $500,000 / $1,000,000
Hospitalization
Ward
Semi-private
Attending Physician
Ambulance Transport
Diagnostic, Laboratory & X-Rays
Rental of Medical Appliances
$5,000
$5,000
Prescription Medications
$500 / 30-day supply
$1,000 / 30-day supply
Emergency Dental Repair
Injury Treatment $1,000 / Pain Relief $300
Injury Treatment $3,000 / Pain Relief $500
Repatriation of Remains
$5,000
$10,000
Cremation/Burial
$2,500
$5,000
Identification of Remains
Round-trip Air + $450 Expenses
Round-trip Air + $450 Expenses
Follow Up Visits
Up to 3 Visits
Up to 3 Visits
Repatriation/Evacuation
Pre-existing Medical Conditions Coverage
Option Available
Option Available
Paramedical Specialists Services
$300 per category
$500 per category
Accommodations & Meals
$150 a day / Maximum $3,000
Hospital Stay Allowance
$50 a day / $500
Return of Excess Baggage
$500
Accidental Death & Dismemberment
$50,000
$50,000
Flight Accident
$50,000
$50,000
Side-Trips Benefit:
As a part of the benefit package, RIMI will cover medical emergency treatment outside Canada, provided each insured person is physically present in Canada for at least 51% of the total coverage period (per policy).

Please note that the maximum duration of covered side trips is 30 days per policy. Such coverage is not available in your country of origin and/or permanent residence.

Visiting Home Country: If you decide to visit your country of origin, your insurance policy will remain active as long as you intend to return to Canada during the period of coverage. However, any medical treatment performed during such visit will not be covered.

Uninterrupted Travel Coverage:
Coverage for uninterrupted travel to Canada will automatically be included in your insurance policy if you purchase your coverage prior to the departure date from your home country.
Waiting Period:
Waiting Period would only apply to policies purchased AFTER the date of your arrival in Canada.

48-hour waiting period applies following the effective date if the policy is purchased within the first 30 days of arriving in Canada.
8-day waiting period applies from the effective date if you purchase your policy more than 30 days following your arrival in Canada.

Policy Wording:
Policy Wording is an official document issued by RIMI that outlines coverage details, exclusions and limitations as well as refund and claim procedures.

Click to view – RIMI Insurance – Standard & Enhanced Plans | Policy Wording

Eligibility Requirements
Please make sure you meet eligibility requirements for Visitors to Canada & Super Visa insurance from RIMI before you buy.

Eligibility Requirements:
– You must be a Visitor, Immigrant, Work Permit Holder or a Returning Canadian resident.
– You must NOT be eligible or covered under any provincial insurance plan in Canada.
– You must be at least 15 days old and under 90 years old.
– You must not be travelling against physician’s advice.
– You have not been diagnosed with a terminal sickness.
– You must not have any reason to seek medical treatment and/or have any new or undiagnosed symptoms.
– You must not require any assistance performing daily activities i.e. dressing, bathing, etc.
Pre-Existing Medical Conditions Coverage:
Pre-existing Medical Conditions are covered under both RIMI Essential and Enhanced options, but only under Plan 2.

1) Up to 69 y.o.: Pre-existing medical conditions are covered provided that they have been stable for at least 90 days immediately prior to the start date of the policy.

2) 70-84 y.o.: Pre-existing medical conditions are covered provided that they have been stable for at least 180 days immediately prior to the start date of the policy and you have accurately answered Medical Questionnaire i.e. you answered “No” to all questions.

How to Get a Refund
Premium refunds are not available for any policies where a claim has been made, pending or paid for.

Full Premium Refunds:
Full Refunds of paid insurance premium are available when you meet conditions outlined below:

– Request for a full refund is sent within 10 days from the moment of purchase (only before the effective date indicated on your policy). No cancellation applies.
– Request to cancel your policy any other time before the effective date in case you are no longer travelling to Canada. Cancellation fee may apply.
– Request refund due to Visitor or Super Visa denial. No cancellation applies, when you provide satisfactory proof from IRCC.

Partial Premium Refunds:
Partial Refunds are available when:

– You request to cancel your insurance because you return back home prior to the expiry date. Cancellation fee will apply.
– You become eligible for any provincial insurance plan in Canada. Cancellation fee will apply.

 
Please note that all refund requests MUST be submitted within 60 days following the a) the date your become eligible under any provincial insurance in Canada; b) the day you depart for your home country and end your trip; or c) the expiry date of your policy.
 
In order to request a refund, please contact one of our Insurance Advisors.

How to make a Claim
If you have a medical emergency and require immediate treatment, you or someone on your behalf has to notify MSH Assistance center before making a claim, if possible.

Failure to do so may limit your coverage to 80% of any eligible medical expenses up to a maximum of $25,000.

Emergency Reporting & Claim Submission:

MSH Assistance is available 24-hours a day, 7 days a week.

– Toll-Free – +1-(800)-203-8508 (Canada & USA)
– Collect – +1-(416)-646-3107 (worldwide)

In order to file a claim, please submit the following documents:

– A fully completed Claim Form.
– All original and itemized medical receipts.
– Original prescription drugs receipts (if any).
– Copy of your travel documents and passport confirming your trip details.

MSH Assistance
150 King Street West, Suite 602, PO Box 75
Toronto, Ontario M5H 1J9

Please note that written proof of claim has to be submitted within 90 days following covered medical service.

You will find more detailed information in the Policy Wording.

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Please note that the above information is only a summarized version of covered benefits and conditions detailed in the official Policy Wording issued by RIMI Insurance.
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