MSH International's Discover Canada plan - underwritten by Lloyd's and rooted in travel-insurance pioneer Ingle International - is a standout for older visitors and long stays. It's the only plan with a $1 million coverage option, offers unrestricted pre-existing coverage for ages 71–80, covers up to age 90, and adds unique long-stay perks like a routine doctor's visit, vaccinations, and an eye exam on the one-year plan. It's popular with visitors and Super Visa applicants aged 59–75.
MSH at a Glance
Provider: | MSH International (Canada) Ltd. - issues the policy as a Lloyd's Coverholder |
Underwriter: | Lloyd's Underwriters |
Products: | MSH Discover Canada Plan, MSH Gold Student Plan, MSH Silver Student Plan |
Age limit: | Discover Canada: up to 90 · Gold/Silver Student: up to 65 |
Pre-existing conditions: | Covered (stable): 90-day stability under age 71; unrestricted for ages 71–80 (180-day stability, min. $500 deductible); not available past age 80 |
About MSH International
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 policy. The policy is now underwritten by Lloyd's Underwriters, with MSH International (Canada) Ltd. issuing it as a Coverholder, and claims administered by Intrepid24/7 (founded by Ingle and rebranded as MSH ASSISTANCE in 2018). In short: a long-standing Canadian visitor-insurance product with Lloyd's financial backing behind it.
MSH Standout Features
Maternity
Cover up to $5,000 for maternity/pregnancy costs if the pregnancy begins after the policies effective date. (MSH Discover Canada Plan)
Emergency Air Return Home
Cover up to $25,000 for emergency air return home. (MSH Student Gold & Silver Plan)
Accidental Death & Dismemberment
Cover a maximum of $50,000, 50%-100% of the sum insured depending on injury. (MSH Discover Canada Plan)
MSH Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
The Discover Canada one-year 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. | The Discover Canada policy has a high cancellation fee |
Stable pre-existing medical conditions are covered with a 90-day stability period for travellers under age 71, | 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 |
Competitive rates for travellers aged 60-70 with full unrestricted (this is important) pre-ex coverage for travellers aged 71-80 (180-day stability), | The Discover Canada plan's premium is less competitive below age 40 |
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 |
MSH for Super Visa
MSH is a popular Super Visa insurance choice for applicants aged 59 to 75, and it's especially well-suited to Super Visa's one-year stays: the Discover Canada plan adds long-stay perks most policies don't (a routine doctor's visit, vaccinations, and an eye exam after several months), covers up to age 90, and offers a $1 million coverage option for families who want a high ceiling. It meets the IRCC Super Visa requirements ($100,000 minimum, one-year validity). One thing to weigh: the Discover Canada plan has a high cancellation fee, so it best suits applicants confident in their plans. Compare MSH's Super Visa pricing against other insurers on our Super Visa insurance rates page.
MSH for Pre-Existing Conditions
MSH's Discover Canada plan has one of the more older-age-friendly pre-existing structures we compare:
Under age 71: stable pre-existing conditions covered with a 90-day stability period.
Ages 71–80: full, unrestricted pre-existing coverage with a 180-day stability period and a minimum $500 deductible - notable, because many plans restrict or exclude pre-existing coverage at these ages.
Age 80+: pre-existing coverage is not available.
That makes MSH a strong candidate for visitors and Super Visa applicants in their 70s with managed conditions. See how MSH's stability rules compare with other insurers on our visitors to Canada pre-existing conditions page.
Who Is MSH Best For?
Older visitors and Super Visa applicants (60–80) - competitive 60–70 pricing and unrestricted pre-existing coverage at 71–80.
Long, one-year stays - the routine-care perks (doctor visit, vaccinations, eye exam) add real value over a full year.
Anyone who wants the highest coverage ceiling - the only $1 million option.
International students - the Gold and Silver Student plans carry strong secondary benefits.
It's a weaker fit if you're under 40 (less competitive pricing), 80+ and need pre-existing coverage (not available), or want low cancellation flexibility (the Discover Canada cancellation fee is high).
How to Get an MSH Quote
Compare MSH against every other insurer available through BestQuote in a single quote - enter your trip details in the tool on this page to see MSH's real price for your age, coverage, and deductible next to the alternatives, then buy online and get your documents by email. Insurance rates are regulated, so you pay the same price through BestQuote as buying direct, and as your broker we work for you at no extra cost. Have questions? Call 1-888-888-0510.
