TuGo vs RIMI / Secure Travel Visitors Insurance: Which Is Better?
TuGo Overview
180-day pre-existing condition stability period, Chinese-language customer service, Per Policy deductibles, and one of the largest travel insurance brands in Canada.
Strengths: Long stability period (180 days), strong Chinese-language support, online claims.
RIMI / Secure Travel Overview
180-day pre-existing condition stability period, Chinese-language customer service, competitive pricing.
Strengths: Competitive pricing and a 180-day stability period.
Policy Terms Compared
Here is a side-by-side look at the key policy terms:
| Term | TuGo | RIMI / Secure Travel |
|---|---|---|
| Pre-existing stability period | 180 days | 180 days |
| Deductible type | Per Policy | Per Policy |
| Waiting period | None if bought before arrival | None if bought before arrival |
| Direct billing | Available | Available |
Note: this is general information; the effective policy governs. For the full comparison, see the plan comparison overview.
Price Comparison
Price depends on age, coverage amount, deductible, and length of stay. Which insurer is cheaper varies by age group and coverage combination.
Enter your specific details in the comparison table to see a real price comparison.
Claims Process Comparison
Both insurers follow a similar claims flow: contact the assistance centre before treatment, keep receipts, submit the claim online, and get paid after review.
Claims deadlines are usually 30-90 days after treatment ends.
The Verdict
Choose TuGo if: Long stability period (180 days), strong Chinese-language support, online claims.
Choose RIMI / Secure Travel if: Competitive pricing and a 180-day stability period.
Final advice: enter your age and needs in the comparison table and decide based on real prices. Terms and prices vary by person — there is no absolute "best", only the best fit.
Frequently Asked Questions
Which is cheaper, TuGo or RIMI / Secure Travel?
Price depends on age, coverage amount, and length of stay. Enter your details in the comparison table to see real prices.
Can I buy insurance from both insurers?
Not recommended. Duplicate coverage requires coordination between insurers at claim time, and total payouts cannot exceed actual costs. Pick one.
Can I switch insurers after buying?
During the free-look period (usually 10-15 days) you can cancel for a full refund and buy elsewhere. After that, a cancellation fee may apply.
Next Steps
See the plan comparison overview for what this site covers, or open the full comparison table (page in Chinese) with terms and prices from all 6 insurers.