RIMI is a modern Canadian visitors-to-Canada and Super Visa insurer, underwritten by Industrial Alliance (iA). It's competitively priced for visitors aged 40+, offers coverage up to $1 million, covers up to age 90, permits trip breaks, and, notably, its Super Visa plans are available as monthly-payment options. Plan 2 covers stable pre-existing conditions (a low 90-day stability under age 69); Plan 1 drops pre-existing coverage for a lower price.
RIMI at a Glance
Provider: | RIMI Insurance Solutions Inc. (modern Canadian insurer) |
Underwriter: | Industrial Alliance Insurance and Financial Services Inc. (iA) |
Plans: | Plan 1 (no pre-existing coverage), Plan 2 (stable pre-existing coverage) |
Age limit: | Up to 90 (both plans) |
Pre-existing conditions: | Covered on Plan 2 - 90-day stability for travellers under 69 |
Super Visa: | Yes, popular with applicants under 75; available as monthly-payment plans |
Trip break: | Permitted - returning home briefly won't automatically end the policy |
About RIMI
RIMI is a modern Canadian insurance company whose Visitors to Canada plans are underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA) - one of Canada's largest and most established insurers. RIMI offers two visitor plans: Plan 2, which covers stable pre-existing conditions, and Plan 1, which doesn't (keeping Plan 1's price down). Both plans are also available as monthly-payment plans for Super Visa holders. RIMI is a newer brand name, but the iA underwriting means substantial financial backing behind the policy.
RIMI Standout Features
Accidental Death and Dismemberment
Cover up to a maximum of $50,000. 50%-100% depending on the injury. (Visitors to Canada Plan)
Follow-up Visits
Up to 3 follow-up visits. (Visitors to Canada Plan)
Travel to Other Countries
Maximum 30 days coverage. The majority of the covered period must be spent in Canada. (Visitors to Canada Plan)
RIMI Advantages and Disadvantages
| Advantages | Disadvantages |
|---|---|
The RIMI Visitors to Canada plans are competitively priced, particularly for visitors to Canada aged 40+. | Some secondary benefits are lower than other plans, e.g., cremation at the place of death and dental accidents. |
Two plans are available: Plan 1 (no pre-existing conditions coverage) and Plan 2 (stable pre-existing conditions coverage). This helps to lower the cost of Plan 1. | RIMI Super Visa insurance: this policy is not cancellable unless you have a visa denial letter. |
The RIMI Visitors to Canada Plan 2 has a low stability requirement of 90 days for travellers under 69 years of age. | This insurer is not as well-known as other insurers, though this shouldn't be a disadvantage. |
A range of coverage options is available, up to $1,000,000. This is a much higher amount of coverage than most Canadian visitor to Canada plans. | |
A wide range of deductible options are available to help lower costs. | |
Trip breaks are permitted. If a traveller needs to return home and back to Canada, the policy will not end automatically. |
RIMI for Super Visa
RIMI is a strong Super Visa insurance option, popular with applicants under 75 and its standout feature is that both plans are available as monthly-payment plans, which spreads the upfront cost that often makes Super Visa insurance a big single expense. It meets the IRCC Super Visa requirements ($100,000 minimum, one-year validity), covers up to age 90, offers a $1 million ceiling, and permits trip breaks. One trade-off to note: the Super Visa policy is only cancellable with a visa denial letter, so it best suits applicants confident in their application. Compare RIMI's Super Visa pricing on our Super Visa insurance rates page, or see how monthly payment works on our Super Visa monthly payment page.
RIMI for Pre-Existing Conditions
RIMI's Plan 2 covers stable pre-existing medical conditions, with a low 90-day stability period for travellers under 69 - one of the more favourable windows for younger and middle-aged visitors. If you don't need pre-existing coverage, Plan 1 drops it for a lower price. Generate a quote to see the exact stability requirement for your age (the requirement can differ above 69), or compare RIMI's rules against other insurers on our visitors to Canada pre-existing conditions page.
Who Is RIMI For?
Super Visa families who want to pay monthly - one of the plans that offers monthly instalments.
Visitors aged 40+ - where RIMI's pricing is most competitive.
Anyone who wants a high coverage ceiling - the $1 million option is rare.
Healthy visitors who don't need pre-existing coverage - Plan 1 is priced lower for that.
It's a weaker fit if you need the highest cremation/dental-accident limits, or if you might need to cancel a Super Visa policy for a reason other than a visa denial.
How to Get a RIMI Quote
Compare RIMI against every other insurer available through BestQuote in a single quote - enter your trip details in the tool on this page to see RIMI's real price for your age, plan, and coverage next to the alternatives, then buy online and get your documents by email. Insurance rates are regulated, so you pay the same price through BestQuote as buying direct, and as your broker we work for you at no extra cost. Have questions? Call 1-888-888-0510.
