Start with the details that matter
Plan structure, province eligibility, monthly-payment interest, and the age-banded stability test shape whether Secure Travel fits.
Plan fit
Plan 1 with no pre-existing cover versus Plan 2 with stability review.
Medical wording
How the 90-day or 180-day window applies by age band.
Cost and timing
Monthly payments, waiting period, and province-availability limits.
Secure Travel Pre-Existing Conditions at a Glance
- Underwriter
- Industrial Alliance (iA Financial Group)
- Operator
- RIMI Insurance Solutions
- Plan 1
- No pre-existing coverage (lower cost)
- Plan 2
- 90 days (≤69) / 180 days (70–84) stability
- Declaration
- All-or-nothing — review carefully
- Province note
- Not available in Quebec
How Secure Travel Handles Pre-Existing Conditions: Plan 1 vs Plan 2
Secure Travel (operated by RIMI Insurance Solutions, underwritten by iA Financial Group) splits pre-existing handling into two plans. Plan 1 provides no pre-existing condition coverage at all, regardless of stability — usually the lower-cost route. Plan 2 applies an age-based stability review: a condition may be covered if it was stable for 90 days before the effective date (applicants age 69 and under) or 180 days (ages 70 to 84).
One important caution on Plan 2: its 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 condition in question. Secure Travel products are also not available to residents of Quebec.
Plan 2: Stability Window by Age
| Applicant age | Plan 2 stability requirement |
|---|---|
| 69 and under | Stable in the 90 days before the effective date |
| 70 to 84 | Stable in the 180 days before the effective date |
Plan 1 has no pre-existing coverage at any age. Reflects the Secure Travel (RIMI) reviewed wording (February 2024). Not available in Quebec. Confirm current terms with your advisor.
What "Stable" Means
Most pre-existing coverage depends on a condition being "stable" for a set window before the trip — generally no new diagnosis, no medication or dosage change, no new or worsening symptoms, no pending tests, and no hospitalization. Our Pre-Existing Conditions Guide explains the full stability test; this page covers how Secure Travel specifically applies it.
What to Confirm With Secure Travel
- Whether Plan 1 (no pre-existing coverage) or Plan 2 (stability review) fits your parent's situation.
- The exact stability window for your parent's age (90 or 180 days) under Plan 2.
- That every condition on the medical declaration meets the stability rule — Plan 2 is all-or-nothing.
- Whether your family's province of residence is eligible (not available in Quebec).
FAQs
Only on Plan 2, which may cover a condition that was stable for 90 days (age 69 and under) or 180 days (ages 70 to 84). Plan 1 provides no pre-existing coverage at all.
Information accurate as of February 2024
This page reflects the Secure Travel policy wording available to us as of February 2024 and is provided for general guidance only. Pre-existing condition rules, stability windows, eligibility, and plan wording can change. Confirm current terms with our advisor and review the policy wording before you buy.
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