RIMI Insurance – Standard & Enhanced Plans:
Visitors to Canada Medical Insurance

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

Monthly Plan: Effective December 7, 2022 – Monthly Payment Plans for Super Visa insurance policies are once again being officially accepted by IRCC.
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 Standard 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.

Learn more
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.

Learn more

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Testimonials

Arbetov Insurance & Wealth Management Inc
4.8
Based on 71 reviews
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Dave B
18:42 30 Apr 25
My wife and I were in the process of moving from the United States to Canada. My wife's health insurance coverage from work (in Washington State) expired at the end of the month in which she retired. Health insurance in Canada was not obtainable through the province of Alberta until after 3 months of residency. We needed 1 month of US coverage and 3 months of Canadian coverage. Lea was incredibly helpful in finding effective coverage for us at a very reasonable cost. She was quick to provide guidance and a variety of potential solutions. You'd be hard pressed to find a more service oriented and customer focused employee than Lea. She is awesome!
Gurwinder Brar
17:37 30 Apr 25
I’ve been getting insurance with Lea for many years and she's always been amazing. Super helpful, easy to work with, and always find me great coverage. They really go the extra mile every time. Highly recommend!
Jo Anne
22:41 22 Apr 25
Have purchased several travel insurance with Lea and we cant thank her enough for her help! She is always so kind, patient, and she explained all the necessary details of the policy. Thank you, Lea! We will always use you for our insurance needs.
Tatyana
21:04 21 Apr 25
I had a fantastic experience with Arbetov Insurance! They helped me find the perfect travel insurance plan that fit both my needs and my budget. The prices were very competitive compared to others I looked at, and I felt like I was getting great value for my money. On top of that, the customer service was top-notch — friendly, responsive, and genuinely helpful throughout the whole process. Highly recommend it!
DrT K
17:17 16 Apr 25
Mel Hampshire
11:10 21 Dec 24
Lea was amazing!I can’t recommend Arbetov enough - Even using on-line messaging over different time zones, my customer service experience was excellent.If you’re looking for a really good service and unbeatable rates for IEC health insurance - these are the guys to use!Thank you Lea for all your help x
Penelope Flute
18:21 26 Nov 24
Very responsive, very knowledgeable and Lea made the whole process incredibly easy and answered all my questions professionally and politely with lots of patience! Great service, thank you!
Oliver Bal-ot
22:05 04 Nov 24
Leah a representative for Arbetov Insurance & Wealth Management Inc is an exceptional person. We Thank you very much for your time and effort. I’ll be honest. You were the only person out of all the insurance agents/brokers that I dealt with, that did all that leg work for my wife, her mother(insured) and her family. You take pride and integrity into your work and it shows. We can’t thank you enough. My family has peace of mind going forward. Now our Mother/Sister/Grandmother now has her Visitors to Canada insurance with her Super Visa. We forward in working with you again in the future, now her visit with will be great! We thank you again!
K. Ay (Sara)
19:01 04 Oct 24
They have the best deals, very responsive staff. It only takes a minute, highly recommend especially for Super Visa applications! No fuss!
Jap Bondoc
19:11 27 Sep 24
Great insurance provider! Leah is amazing!
malek javedaltaf
16:43 09 May 24
Best option for visit visa holder. Really great team, very supportive and responsive. Will recommend Arbetov as first option.
babatunde odubanjo
14:26 06 May 24
Excellent customer service, considerate and passionate insurance provider in resolving your issues and ensuring every party is happy in providing services.
Salman
21:55 23 Apr 24
Excellent service from Lea.
Dhananjaya Neelkant
20:01 09 Apr 24
Excellent customer service! Thanks Lea.
James Ensor
23:33 18 Mar 24
Fahim Saber
22:07 17 Dec 23
I have had the most seamless smoothest experience ever with this insurance company. Every change I had to make regarding my parents supervisa medical insurance was processed quickly with no complications. They have been understanding of my situation through all the ups and downs over the last few years including the difficult and complex covid periods. Particular kudos to Lea for making this complicated insurance experience a siimple and stress free process for me.
Igor Kiselyov
19:59 23 Nov 23
Great service, efficient communication, and a really easy way to get insurance with lots of help and support to get the right deal.
Colin Taylor
18:34 21 Nov 23
I have purchased a few policies with Lea, and each time the service was great! The last one took less than 10 minutes to complete!The polices itself are also good, as we have not had any problems with claims so far.
A L
00:18 15 Nov 23
I have purchased parents visitor insurance twice from Arbetov. I got fast and patient response from Lea. Her professional attitude makes me confident to trust Arbetov. I will repurchase from this company.
Salinda Rathnayeka
19:26 10 Nov 23
I have been purchased travel insurances for my parents multiple times and they are super friendly and very helpful. Mainly, in contacted with Lea, helped me to find the correct cost effective products.
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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