Secure Travel Super Visa Insurance for Parents and Grandparents Visiting Canada

Compare Secure Travel Super Visa Insurance for parents and grandparents visiting Canada. Review cost, monthly payment options, deductibles, refunds, and pre-existing condition coverage.

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Cost, deductible, and payment options
Pre-existing condition wording reminders
Refund and claim-process considerations

Why Families Compare Secure Travel Super Visa Insurance

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.

Introduction

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.

Secure Travel at a Glance

Underwriter: Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group)
Administrator: RIMI Insurance Solutions
Coverage: $100,000 and up — sum insured chosen at purchase
Plan options: Plan 1 (no pre-existing) · Plan 2 (stability-based)
Province note: Not available in Quebec
Waiting period: 48 hours (within 30 days of arrival) or 8 days

Secure Travel: Plan 1 vs. Plan 2

Plan 1

No pre-existing condition coverage.

Zero pre-existing coverage regardless of stability
AD&D benefit included — confirm amount with your advisor
Typically lower cost than Plan 2

Plan 2

Age-based stability review for pre-existing conditions.

Pre-existing conditions may be covered: 90-day stability window (age 69 and under) or 180-day window (age 70 to 84)
Medical declaration is all-or-nothing — one unfavorable answer can affect all conditions
AD&D benefit included — confirm amount with your advisor

Plan details reflect the Secure Travel (RIMI) Visitors to Canada policy (effective February 2024). Confirm current terms with a qualified advisor before purchasing.

Secure Travel Super Visa Insurance and IRCC Requirements

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 Super Visa Insurance Coverage

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.

For families comparing Secure Travel for a Super Visa, the key questions are

Does the family live outside Quebec, where Secure Travel products are available?
Which sum insured meets the Super Visa requirement and fits the family's budget?
Plan 1 or Plan 2 — does your parent's medical history make Plan 2's stability test relevant?
What waiting period applies based on when the policy is purchased relative to arrival?
What happens if the Super Visa is refused?

Secure Travel Super Visa Insurance Cost

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 cost may depend on

Sum insured selected (families typically choose $100,000 or more to meet the Super Visa minimum)
Plan 1 (no pre-existing coverage) vs. Plan 2 (stability-based pre-existing review)
Age of the parent or grandparent
Travel start date relative to arrival (this affects the waiting period)
Monthly payment option vs. paying upfront

Is Secure Travel Cheap Super Visa Insurance?

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 Super Visa Insurance and Pre-Existing Conditions

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

Pre-existing coverage by plan and age

Plan 1: zero pre-existing condition coverage — no pre-existing conditions are covered, regardless of stability.
Plan 2, applicants age 69 and under: a pre-existing condition may be covered if it was stable in the 90 days before the effective date.
Plan 2, applicants age 70 to 84: a pre-existing condition may be covered if it was stable in the 180 days before the effective date.

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 Super Visa Insurance Deductible Options

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.

Compare Secure Travel Super Visa insurance before you buy

Send the parent or grandparent age, travel dates, deductible preference, and medical-history notes. We can help compare Secure Travel with other Super Visa insurance providers.

Get a Free Quote Call +1 416 887 0700 Message on WhatsApp

Secure Travel Super Visa Insurance Monthly Payment Options

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.

Secure Travel Super Visa Insurance Waiting Period

48 hours if the policy is purchased within 30 days of arrival in Canada.
8 days if the policy is purchased 31 or more days after arrival.

Secure Travel Super Visa Insurance Notification Requirements

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 Super Visa Insurance Refund Policy

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.

AD&D (Accidental Death and Dismemberment)

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 Super Visa Insurance for Parents Visiting Canada

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 vs. Other Super Visa Insurance Providers

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.

Families commonly compare Secure Travel with

Manulife Super Visa Insurance
TuGo Super Visa Insurance
TruStone Super Visa Insurance
GMS Super Visa Insurance
Destination Canada Super Visa Insurance
Travelance Super Visa Insurance
21st Century Super Visa Insurance
AwayCare Super Visa Insurance

Why Compare Secure Travel Through Super Visa Quote?

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.

Who should consider Secure Travel Super Visa insurance?

Parents or grandparents applying for or holding a Super Visa, living outside Quebec
Families wanting a monthly payment option with lower upfront cost
Applicants without pre-existing conditions (Plan 1), or whose medical history meets Plan 2's age-based stability window (90 days under 70; 180 days for 70 to 84)
Families comparing Canadian Super Visa insurance companies before choosing

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.

Provider FAQs

Does Secure Travel offer Super Visa insurance?

Yes. Secure Travel, operated by RIMI Insurance Solutions and underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group), offers Visitors to Canada coverage across Plan 1 and Plan 2, with the sum insured selected at purchase.

Is Secure Travel available in Quebec?

No. Secure Travel products are not available to residents of Quebec. Ask your advisor about other providers if your family is in Quebec.

What is the difference between Plan 1 and Plan 2?

Plan 1 has zero pre-existing condition coverage. Plan 2 may cover a pre-existing condition if it was stable for 90 days (applicants 69 and under) or 180 days (applicants 70 to 84) before the effective date, subject to an all-or-nothing medical declaration. Confirm which plan fits your parent's history with your advisor.

Is there a waiting period with Secure Travel?

Yes — 48 hours if purchased within 30 days of arrival in Canada, or 8 days if purchased 31 or more days after arrival.

Does Secure Travel include AD&D coverage?

Yes — up to $50,000, payable at 100% for death or loss of both eyes or two limbs, or 50% for loss of one eye or one limb, subject to the policy's terms.

Can I get a refund if my Super Visa is refused?

Secure Travel offers a 10-day free look. Cancelling before the effective date generally allows a refund, and an early return with proof of departure may qualify for a partial refund. Confirm your specific situation, including a visa refusal, with your advisor.

Should I choose Secure Travel or compare first?

Comparing first lets you see how Secure Travel's Plan 1 / Plan 2 structure, coverage amounts, and fees stack up against other providers for your parent's specific situation — at no extra cost to you.

Continue Comparing Super Visa Insurance Providers

Information Accurate as of February 2024

Insurance providers update their plan wordings, coverage limits, and pricing periodically. The details on this page reflect the Secure Travel (RIMI) plan documents available to us as of February 2024 and are provided for general guidance only. Our advisor can confirm the current policy wording, exact pricing, and whether a specific condition or scenario applies to your situation before you buy.

Related Insights and Guides

Compare Secure Travel Super Visa insurance before you buy

Send the parent or grandparent age, travel dates, deductible preference, and medical-history notes. We can help compare Secure Travel with other Super Visa insurance providers.

Get a Free Quote Call +1 416 887 0700 Message on WhatsApp