IRCC Super Visa information
Super Visa & Visitors Insurance
Secure Travel Insurance
Secure Travel, operated by RIMI Insurance Solutions Inc. and underwritten by Industrial Alliance, offers competitively priced Super Visa and Visitors to Canada insurance with flexible plans and monthly payment options.
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Coverage Details
Super Visa policies run a fixed 365 days from your start date.
Applicants(1 of 2)
Flexibility and Convenience from Secure Travel
- 01
The policy effective date can be changed as many times as you want while your parents wait for their visa to be issued.
- 02
100% refund of premium if the visa is not granted.
- 03
Partial refunds on a pro-rata basis in the event that parents or grandparents decide to return home before the entire policy period.
Coverage Details
What Secure Travel Insurance Covers
Two plan tiers — Standard and Enhanced — let you match coverage depth to your family's needs and budget. See the full benefit-by-benefit breakdown below.
Emergency Hospitalization
Semi-private room, nursing care, hospital services
Physician & Specialist Visits
Attending physician, specialist consultations, surgeons
Ambulance Transport
Ground and air ambulance when medically necessary
Prescription Drugs
Standard: up to $500 · Enhanced: up to $1,000 (30-day supply)
Accidental Dental
Standard: $1,000/injury, $300 non-injury · Enhanced: $3,000/injury, $500 non-injury
Repatriation of Remains
Standard: up to $5,000 · Enhanced: up to $10,000
Accidental Death & Dismemberment
$50,000 on both Standard and Enhanced plans
Private Duty Nursing
Up to $5,000 on both Standard and Enhanced plans
Diagnostic Services
Lab tests and X-rays ordered by the attending physician (MRI, CT scans, and similar imaging require pre-approval)
Follow-up Visits
Up to 3 follow-up visits for the same emergency
Paramedical Services
Standard: $300/service · Enhanced: $500/service
Enhanced-Only Extras
Transportation to bedside, meals & accommodation (up to $3,000), hospital daily allowance ($50/day), return & escort of children, excess baggage return ($500)
| Benefit | Standard | Enhanced |
|---|---|---|
| Hospital & Physician Care | ||
| Hospital Accommodation | Ward rate | Semi-private room |
| Physician, Surgeon & Nursing Care | Covered in full | Covered in full |
| Diagnostic Services (Lab & X-ray) | Covered in full | Covered in full |
| Emergency Transportation & Ambulance | Covered in full | Covered in full |
| Prescriptions & Paramedical | ||
| Prescription Drugs (30-day supply) | $500 per prescription | $1,000 per prescription |
| Paramedical Services (per profession) | $300 | $500 |
| Private Duty Nurse (in lieu of hospitalization) | $5,000 | $5,000 |
| Follow-up Visits | Up to 3 visits | Up to 3 visits |
| Medical Appliances | $5,000 | $5,000 |
| Dental Emergency | ||
| Accidental Damage to Teeth | $1,000 | $3,000 |
| Relief of Dental Pain | $300 | $500 |
| Death, Dismemberment & Repatriation | ||
| Accidental Death & Dismemberment | $50,000 | $50,000 |
| Flight Accident | $50,000 | $50,000 |
| Repatriation of Remains (Transport) | $5,000 | $10,000 |
| Repatriation of Remains (Cremation/Burial) | $2,500 | $5,000 |
| Pre-Existing Conditions | ||
| Stable Pre-Existing Conditions | Not included | Covered — 90 days (under 70) / 180 days (70–84) |
| Enhanced-Only Benefits | ||
| Transportation to Bedside | Not included | Economy airfare + $150/day, max $3,000 |
| Meals & Accommodation | Not included | $150/day, max $3,000 |
| Hospital Allowance | Not included | $50/day, max $500 |
| Return & Escort of Children | Not included | Economy airfare covered |
| Excess Baggage Return | Not included | Up to $500 |
All figures are per insured person, per emergency, and are based on the official Secure Travel RIMI policy wording (underwritten by Industrial Alliance). Coverage is always subject to the sum insured you select and all policy exclusions.
Plan Options
Deductible & Premium Estimates
Choose a deductible that balances your monthly budget with your comfort level for out-of-pocket costs.
| Deductible | Est. Monthly Premium* | Premium Savings | Best For |
|---|---|---|---|
| $0Most Popular | ~$160–$260 | — | No surprise bills, full peace of mind |
| $500 | ~$130–$210 | ~18% | Small buffer with manageable out-of-pocket |
| $1,000 | ~$110–$180 | ~30% | Balance of premium savings and coverage |
| $2,500 | ~$85–$145 | ~44% | Healthy applicants with some savings set aside |
| $5,000 | ~$60–$105 | ~58% | Lowest monthly cost, strong personal safety net |
* Estimates based on a 65-year-old applicant for a 12-month policy. Actual premiums vary by age, health history, and coverage amount.
Stability Clause
Pre-Existing Condition Coverage
Pre-existing condition coverage is only available on the Enhanced plan. The Standard plan does not cover pre-existing conditions under any circumstances. On the Enhanced plan, the required stability period depends on the applicant's age — younger applicants benefit from a shorter 90-day window.
Under Age 70 — 90 days stability
Pre-existing conditions must be stable for 90 consecutive days before the policy effective date for applicants under age 70.
Ages 70 – 84 — 180 days stability
For applicants aged 70 to 84, conditions must be stable for 180 consecutive days before the policy effective date, and all medical declaration questions must be answered no (Enhanced plan only).
What counts as "stable"
- No new or worsening symptoms
- No new diagnosis or change in existing diagnosis
- No new prescriptions or change in medication dosage
- No hospitalization or referral to a specialist
- No tests ordered or results outstanding
Important Note
Conditions not meeting the stability requirement are excluded. A licensed advisor can help confirm eligibility before you purchase.
Official Documentation
Policy Wording Documents
Read the full, official Secure Travel policy wording for the exact terms, limits, and exclusions that apply to your coverage.
Common Questions
Frequently Asked Questions
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