RIMI Super Visa Insurance Review (2026): Cost, Coverage & Is It Valid?

Is RIMI insurance valid for super visa in Canada?

Yes. This is the first question everyone asks, so let’s clear it: RIMI (RIMI Insurance Solutions Inc., sold under the Secure Travel brand) is a Canadian insurance company, and its Visitors to Canada / Super Visa plans meet IRCC’s requirements — minimum $100,000 in emergency medical coverage, valid for at least one year from the date of entry, issued by a Canadian insurer.

Your parents’ visa officer doesn’t care which logo is on the policy. They care that the coverage letter shows the right amount, the right dates, and a Canadian company behind it. RIMI checks all three boxes.

If you’re bringing your parents or grandparents to Canada on a super visa, the name RIMI has probably come up in your search. I sell RIMI’s Visitors to Canada plans every single week from my office in Mississauga — mostly to families in Brampton and Mississauga sponsoring parents from India — so here’s the honest breakdown I give my own clients: what it covers, what it costs, where it falls short, and how it stacks up against Manulife, GMS, and TuGo.

What does RIMI super visa insurance cover?

The core of every super visa policy — RIMI’s included — is emergency medical coverage: hospital stays, doctor visits, ambulance, emergency dental, and medical evacuation if your parent needs to be flown home. That’s the part IRCC actually requires.

Beyond the basics, what matters in real life:

• Pre-existing conditions. This is where most claims get decided. Like every insurer, RIMI covers stable pre-existing conditions — meaning no new diagnosis, no change in medication or treatment, and no pending tests for a set period (usually 90 to 180 days depending on the plan and the condition). If your father takes blood pressure tablets and nothing has changed in months, that’s typically fine. If his dosage changed last month, tell me before we apply — not after a claim.
• Trip interruption and baggage. Included in most plans, but honestly, nobody buys super visa insurance for the baggage coverage.
• What it doesn’t cover: routine check-ups, ongoing treatment for unstable conditions, and anything related to a condition you didn’t disclose on the application. The application health questions are short — answer them carefully.

How much does RIMI super visa insurance cost?

Your exact price depends on three things: age, deductible, and medical history. Across the market, a year of super visa coverage typically runs from roughly $1,000 for younger, healthy applicants to $6,000 or more for older applicants — RIMI sits in the competitive middle of that range.

Two levers move the price more than anything else:

1. Deductible. A $0 deductible is the most expensive option. Raising it to $1,000 or $2,500 can cut the premium noticeably. If your parents are healthy and you’re comfortable covering small bills yourself, a higher deductible is usually the smart play.
2. Age bands. Pricing jumps at 60, 70, 75, and 80. A parent who is 69 costs meaningfully less to insure than one who just turned 70 — if the birthday is coming, the timing of the application matters.

Don’t guess from a blog post — run your parents’ actual ages and dates here and you’ll have the real number in about two minutes: Get a RIMI super visa quote

Can I pay monthly?

Yes. Like most super visa providers, RIMI offers monthly payment plans, so you don’t have to hand over the full year’s premium on day one. Monthly costs a little more over the year than paying upfront, but most of my clients prefer it — especially when the visa outcome or travel dates aren’t certain yet.

RIMI vs Manulife vs GMS vs TuGo: which is better for super visa?

There is no single “best” — there’s only the best fit for your parent’s age, health, and budget. Here’s how I explain the trade-offs to clients:

• RIMI — competitive pricing, straightforward plans, good for healthy applicants in their 60s and early 70s.
• Manulife — the biggest name, strong claims infrastructure, usually priced at a premium. Some clients pick it purely for the brand comfort.
• GMS — solid mid-range option with generous coverage limits; worth quoting alongside RIMI.
• TuGo — popular with brokers, flexible deductible options.
• Ingle/Trustone — the one I reach for when a parent has pre-existing conditions, since their plans handle stability clauses well.

I quote all of them side by side for my clients — the difference between the cheapest and most expensive quote for the same parent is often over $1,000 a year, so comparing is worth ten minutes of your time.

What if the visa is refused? Is RIMI refundable?

Yes — if the super visa is refused, or your parents simply don’t travel, you can cancel the policy and get a refund, usually minus a small administration fee. You’ll need the refusal letter or proof of non-travel. I’ll be publishing a full provider-by-provider refund comparison next (Manulife, GMS, TuGo, RIMI, Ingle), because the admin fees and timelines differ more than people expect.

The honest part: RIMI claims and reviews

You’ll find mixed reviews about RIMI online — including some rough claim stories on Reddit and Facebook groups. Here’s my honest take as someone who places these policies weekly: in my experience, most claim disputes come down to two things. One, a pre-existing condition that wasn’t disclosed or wasn’t actually stable. Two, not calling the insurer’s emergency assistance line before getting treatment (nearly every policy requires this, and people skip it).

Buy through a broker and you have someone in your corner when it matters. If a claim gets messy, you call me — not a 1-800 queue. That’s the real difference between clicking “buy” on a random website and going through an advisor.

Frequently asked questions

Is Rimi insurance valid in Canada?

Yes. RIMI is a Canadian insurer and its Visitors to Canada plans satisfy IRCC’s super visa insurance requirements ($100,000 minimum coverage, one-year validity).

Is Rimi a good insurance company?

It’s a solid mid-range option — competitive prices, legitimate Canadian underwriting. Like every travel insurer, claims go smoothly when conditions are disclosed and procedures are followed, and badly when they’re not.

Which insurance company is best for a super visa in Canada?

No single winner. For healthy parents in their 60s, RIMI and GMS usually quote best. For brand comfort, Manulife. For pre-existing conditions, Ingle/Trustone deserves a look. Compare at least three before deciding.

How much insurance is needed for a super visa?

IRCC requires at least $100,000 in emergency medical coverage, valid for a minimum of one year from entry, from a Canadian insurance company. Many families choose $150,000 for extra cushion — the price difference is smaller than you’d think.

Can I pay for super visa insurance monthly?

Yes — RIMI and most providers offer monthly payment plans, which cost slightly more over the year than paying upfront.

Get a RIMI quote or talk to a broker

Two minutes, no obligation: run your RIMI super visa quote here. Or if you’d rather talk it through – in English, Punjabi, or Hindi – call or WhatsApp me at 289-809-4333, or email info@btowninsurance.com. I quote RIMI, Manulife, GMS, TuGo, and Ingle side by side so you can see the real numbers before deciding.