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 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.
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: 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 available to lower costs,
- Only plan with $1M coverage option available.
Disadvantages
- Markel is not a well known underwriter in Canada, although its parent company is listed on the New York Stock Exchange,
- High cancellation fee,
- Pre-ex coverage is not available past age 80. Ages 71-80 have a minimum deductible of $500.
- Not available until age 40.