Is Secure Travel the right fit for your parents?

Secure Travel, operated by RIMI Insurance Solutions, focuses on Visitors to Canada Insurance and Super Visa Insurance. Its public site also highlights a monthly premium payment option.

Secure Travel can be useful to compare when a family wants Super Visa insurance with monthly payments and lower upfront cost. Product availability should be confirmed for the destination province because Secure Travel states that products offered through its site are not available in Quebec.

Secure Travel's policies are underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group) — the same underwriter behind TuGo's Visitors to Canada plans.

Secure Travel is one of the Super Visa insurance options available to families through Super Visa Quote. Secure Travel is operated by RIMI Insurance Solutions, with policies underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group) — the same underwriter behind TuGo's Visitors to Canada plans. Important: Secure Travel products are not available to residents of Quebec.

For a Parent and Grandparent Super Visa, IRCC requires private health insurance valid for at least one year from the date of entry, with a minimum coverage amount (currently $100,000 — confirm the current minimum with your advisor). Secure Travel lets you choose a sum insured at the time of purchase; families typically select $100,000 or more to meet the Super Visa minimum, then choose between Plan 1 and Plan 2, which differ in how pre-existing conditions are handled (see below).

Secure Travel's coverage is built around the sum insured you select at purchase, with a total aggregate limit of $20 million per incident across all policies the insurer underwrites. The plan structure splits into Plan 1 and Plan 2, which differ primarily in how pre-existing conditions are handled.

Secure Travel's pricing depends on the sum insured selected, the plan (Plan 1 vs. Plan 2), the applicant's age, and whether monthly payments are used. The most accurate way to compare is to request a personalized quote using your parent's real age, travel dates, coverage amount, and medical history.

Secure Travel is often compared by families looking for a monthly payment option with lower upfront cost. Whether it is the cheapest choice depends on the sum insured and plan selected. Families should still review whether Plan 1 or Plan 2 fits your parent's medical history, whether the waiting period works with travel plans, and whether the family's province of residence allows Secure Travel (it is not available in Quebec). The cheapest option is not always the most suitable one.

Secure Travel's two plans handle pre-existing conditions very differently.

Plan 2's medical declaration is effectively all-or-nothing: if any answer does not meet the stability requirement, it can affect the entire pre-existing assessment, not just the specific condition in question. Confirm with your advisor which plan and stability window applies to your parent's specific medical history before purchasing. Our Pre-Existing Conditions Guide explains what "stable" means in more detail.

Secure Travel's plan structure is based on Plan 1 vs. Plan 2 and the sum insured selected, rather than a separate deductible ladder in the wording we reviewed. Your advisor can confirm whether deductible choices are available for your selected plan and coverage amount.

Secure Travel is one of the providers that promotes a monthly payment option for Super Visa insurance, which can reduce the upfront cost compared with paying the full premium at once. Ask your advisor to confirm the current monthly payment terms for your parent's quote.

If a medical emergency or hospitalization occurs, contact MSH Assistance at 1-800-203-8508 within 24 hours. Failing to notify MSH Assistance before treatment can limit your benefits to 80% of otherwise-eligible expenses (an 80/20 cost-sharing reduction). The safest approach is the same for every provider: call MSH Assistance as soon as possible in any emergency, and confirm the notification window with your advisor.

Secure Travel offers a 10-day free look — you may cancel within 10 days of purchase for a full refund, provided it is before the effective date. Other refunds are governed by the policy's refund section: cancelling before the effective date generally allows a refund, and an early return home with proof of departure may qualify for a partial refund of the unused portion. Confirm your specific refund scenario — including a visa refusal — with your advisor before cancelling.

Secure Travel includes an Accidental Death and Dismemberment (AD&D) benefit of up to $50,000, payable at 100% for death, loss of both eyes, or loss of two limbs, and 50% for loss of one eye or one limb, subject to the policy's terms.

Secure Travel may be considered by families searching for visitor visa insurance for parents, monthly Super Visa insurance plans, or medical insurance for a Super Visa — particularly families outside Quebec who want a monthly payment option and a choice between Plan 1 (no pre-existing coverage, lower cost) and Plan 2 (age-based stability review for pre-existing conditions). As with any provider, the selected coverage amount and plan should meet the current Super Visa insurance requirement.

Secure Travel's Plan 1 / Plan 2 structure, monthly payment option, and underwriting by iA Financial Group (the same underwriter behind TuGo) make it a useful comparison point. The Quebec exclusion and the age-banded Plan 2 stability windows (90 vs. 180 days) mean it is worth comparing carefully against other providers.

Comparing Secure Travel alongside other providers lets you review provincial availability (not Quebec), Plan 1 vs. Plan 2 pre-existing rules (age-banded 90/180-day stability windows on Plan 2 vs. zero coverage on Plan 1), AD&D, the waiting period, the notification penalty, and the monthly payment option — all at no extra cost to you. Because Secure Travel and TuGo share iA Financial Group as their underwriter, comparing the two side by side can be especially useful.

The best plan and provider depend on the applicant's age, health history, province of residence, and budget. Your advisor can help compare Secure Travel's Plan 1 and Plan 2 against other providers for your specific situation.