MSH International Visitors Insurance Review

MSH International's Discover Canada Visitors Insurance

MSH International (Canada) Ltd. is part of MSH International (Americas) which merged with Ontario-based Ingle International in 2017. Ingle, a pioneer in Canadian travel insurance, founded the Discover Canada Visitors to Canada insurance policy. This policy is now underwritten by Lloyd's Underwriters, with MSH International (Canada) Ltd. issuing the policy as a Coverholder. The claims administrator for Discover Canada is noted as 'Intrepid24/7', which was originally founded by Ingle International and rebranded as MSH ASSISTANCE in 2018.  

MSH Standout Features

MSH Advantages & Disadvantages

   Advantages

• For Super Visa holders or other visitors to Canada purchasing coverage for one year, the Discover Canada plan offers some unique (non-emergency) benefits which are not subject to a deductible: after 9 months the insured person is allowed to spend up to $250 for a regular doctor's appointment and submit receipts for reimbursement; after 6 months a $100 amount can be spent on vaccinations and $100 on an eye exam.
• Stable pre-existing medical conditions are covered with a 90-day stability period for travellers under age 71,
• Competitive rates for travellers aged 60-70 with full unrestricted (this is important) pre-ex coverage for travellers aged 71-80 (180-day stability), 
  
• Multiple deductible options are available to lower costs,
• Only plan with $1M coverage option available,
• The MSH Gold Student Plan and MSH Silver Student Plan have some good secondary benefits, such as: 
  • Stable Period for Pre-existing Conditions
  • Mental Health Practitioner 
  • Emergency Air Return Home
  • Air Flight Accident

   Disadvantages

• The Discover Canada policy has a high cancellation fee,
  
• Pre-existing medical conditions coverage is not available past age 80 on the Discover Canada plan. Ages 71-80 have a minimum deductible of $500,
• The Discover Canada plan's premium is less competitive below age 40.

Frequently Asked Questions

how  Age Availability

Q: What are MSH's visitor policy age limits?

A:

MSH Discover Canada Plan	Up to 90 years old
MSH Gold Student Plan	Up to 65 years old
MSH Silver Student Plan	Up to 65 years old

Show Stable Pre-existing Medical Conditions

Q: Do MSH's Visitors to Canada plans cover stable pre-existing medical conditions?

A: Yes! The MSH Discover Canada and MSH Student Plans cover stable pre-existing medical conditions. Generate a quote on the left side of this page to check stability requirements.

Show Cost

Q: How does MSH's Visitors to Canada Plan cost compare to other BestQuote visitor policies?  

A: We created a bar chart to show you how MSH's Visitors to Canada Plan cost compares to other BestQuote visitor to Canada policies in 4 age categories: 25, 40, 55, and 75.

We compared each policy on December 06, 2023, with the following fixed criteria:

• Visitors to Canada category
• $100,000 coverage
• $0 deductible
• 1-year policy

The bar chart below compares MSH's Discover Canada plan against the average cost of all policies available to visitors to Canada in 4 age categories. Each visitor to Canada policy has a rank assigned based on cost. The lowest cost policy is number 1, and 25 is the highest.