MSH International Travel Insurance: 2025 Review

Our expert’s opinion on MSH International

Last update: July 18, 2025

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In partnership with our provider

2.8

Score

2.8

Score

A. FruchardInsurance expert

MSHInternational offers a broad portfolio of travel insurance solutions in Canada, including comprehensive emergency medical coverage up to $7,000,000 and special risk policies suitable for complex itineraries and high-risk activities.
The available plans feature generous coverage ceilings, some with low or no deductibles, and modular components for medical and non-medical risks, placing MSH International among the most versatile options compared to local competitors; however, its pricing strategy and guarantees may not always offset administrative constraints.
MSH International is best suited to expats, travellers needing high-risk or adventure sports coverage, and visitors to Canada (including Super Visa applicants).
With substantial resources as part of the Siaci Saint Honoré group and operations spanning 60 countries, MSH International demonstrates international financial stability but publicly available ratings (S&P, Moody’s) specific to this division are not disclosed.
Service is available 24/7 and members have access to digital portals, yet public customer satisfaction is low, at 1.5/5 on Trustpilot from 186 reviews, citing slow claims and inconsistent support; average claim times are unreported, but complaints mention waits lasting months or more.

Pros

• ✅Coverage up to $7,000,000 for medical emergencies
• ✅Special risk insurance for high-risk activities and destinations
• ✅No age limit for visitor plans (Super Visa eligibility)
• ✅Modular coverage options including non-medical protections
• ✅24/7 global specialist assistance in multiple languages
• ✅Dedicated digital portals for claims and plan management
• ✅Accessible by phone and email for support across time zones

Cons

• ❌Very low Trustpilot score (1.5/5 from 186 reviews)
• ❌Long claims processing, sometimes several months or more
• ❌Frequent reports of lost documents and administrative errors
• ❌Requirement to pay medical expenses upfront in many cases
• ❌No disclosed S&P or Moody’s rating for the Canadian division

Discover the offer

In partnership with our provider

2.8

Score

2.8

Score

ProsCons

• ✅Coverage up to $7,000,000 for medical emergencies
• ✅Special risk insurance for high-risk activities and destinations
• ✅No age limit for visitor plans (Super Visa eligibility)
• ✅Modular coverage options including non-medical protections
• ✅24/7 global specialist assistance in multiple languages
• ✅Dedicated digital portals for claims and plan management
• ✅Accessible by phone and email for support across time zones

Our expert’s opinion on MSH International

Last update: July 18, 2025

A. FruchardInsurance expert

Pros

• ✅Coverage up to $7,000,000 for medical emergencies
• ✅Special risk insurance for high-risk activities and destinations
• ✅No age limit for visitor plans (Super Visa eligibility)
• ✅Modular coverage options including non-medical protections
• ✅24/7 global specialist assistance in multiple languages
• ✅Dedicated digital portals for claims and plan management
• ✅Accessible by phone and email for support across time zones

Cons

• ❌Very low Trustpilot score (1.5/5 from 186 reviews)
• ❌Long claims processing, sometimes several months or more
• ❌Frequent reports of lost documents and administrative errors
• ❌Requirement to pay medical expenses upfront in many cases
• ❌No disclosed S&P or Moody’s rating for the Canadian division

Discover the offer

In partnership with our provider

2.8

Score

2.8

Score

ProsCons

• ✅Coverage up to $7,000,000 for medical emergencies
• ✅Special risk insurance for high-risk activities and destinations
• ✅No age limit for visitor plans (Super Visa eligibility)
• ✅Modular coverage options including non-medical protections
• ✅24/7 global specialist assistance in multiple languages
• ✅Dedicated digital portals for claims and plan management
• ✅Accessible by phone and email for support across time zones

MSHInternational offers a broad portfolio of travel insurance solutions in Canada, including comprehensive emergency medical coverage up to $7,000,000 and special risk policies suitable for complex itineraries and high-risk activities.
The available plans feature generous coverage ceilings, some with low or no deductibles, and modular components for medical and non-medical risks, placing MSH International among the most versatile options compared to local competitors; however, its pricing strategy and guarantees may not always offset administrative constraints.
MSH International is best suited to expats, travellers needing high-risk or adventure sports coverage, and visitors to Canada (including Super Visa applicants).
With substantial resources as part of the Siaci Saint Honoré group and operations spanning 60 countries, MSH International demonstrates international financial stability but publicly available ratings (S&P, Moody’s) specific to this division are not disclosed.
Service is available 24/7 and members have access to digital portals, yet public customer satisfaction is low, at 1.5/5 on Trustpilot from 186 reviews, citing slow claims and inconsistent support; average claim times are unreported, but complaints mention waits lasting months or more.

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Why trust HelloSafe?

At HelloSafe, a travel insurance expert reviews each year the general terms and pricing of 42 travel insurance providers operating in Canada, to deliver an analysis that is both reliable and impartial. Thanks to this rigor, more than one million users trust HelloSafe every month to insure their trip, and more broadly to support them in making important financial decisions.

MSH International Coverages

MSH International offers several key insurance products for travelers: the Travel Insurance, Non-medical Travel Insurance, Special risk Insurance, Visitors to Canada and Super-visa travellers, and Worldwide emergency medical coverage plans.
The Travel Insurance plan centers on medical emergencies, hospitalization, ambulance and repatriation, with very high limits. Non-medical Travel Insurance specifically targets trip cancellation, interruption, loss or theft of baggage, and accidental death. Special risk Insurance is designed for travelers facing exceptional risks or seeking coverage for extreme sports, evacuation, or trips to high-risk destinations.
The main difference among these options is their focus: health, non-medical incidents, or special risk.

MSH International distinguishes itself with industry-leading medical limits (up to $7,000,000 CAD), recognized assistance services, and the availability of risk coverage for high-exposure situations, such as extreme sports and hostile zones.

These strengths stand out for high medical ceilings, risk-specific options, and broad eligibility, but the lack of complete transparency regarding some coverage ceilings and administrative or claims-handling issues remain notable drawbacks.

There are other more specific benefits. Of particular interest is the availability of special risk coverage, which can include protection for kidnapping, ransom demands, and extortion — rare benefits for personal travelers.

In addition to these plans, MSH International also offers standalone insurance for expatriates, international students, and group solutions for organizations sending teams abroad. These cater to longer stays, specialized visas, or high-risk travel situations.

Take a few minutes to compare travel insurance plans, so you can secure either the lowest price or the most comprehensive coverage that fits your unique travel needs.

MSH International Exclusions

MSH International applies a standard set of exclusions, mainly around pre-existing conditions that are not stable, trips taken against medical advice, and certain high-risk activities.

Like many insurers, claims related to war, terrorism, drug or alcohol misuse, or administrative errors such as missing documentation are not covered.

Their approach is in line with typical market practice, though the exclusion of certain extreme sports and unstable conditions merits careful review for more adventurous or medically complex travelers.

MSH International Prices

MSH International positions itself with slightly above-average premiums, reflecting its comprehensive international coverage and robust medical reimbursements, especially on core Travel Insurance and Special Risk Insurance plans.

Coverage limits are strong, up to $7 million USD, with benefits such as emergency evacuation, ambulance, and specialized repatriation specificities that justify higher pricing than most digital-first providers.

The insurer operates via traditional distribution channels, which further explains costs slightly above some pure digital players, but caters well to travelers seeking peace of mind and specialized security options.

Overall, MSH International is best for those prioritizing breadth and depth of coverage over ultra-low premiums.

These prices are provided for information purposes based on one week of travel in Europe. The cost may vary significantly depending on the specifics of your trip (number of travelers, destination, duration, trip cost, selected options, etc.). We recommend running a simulation on HelloSafe.

MSH International Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best travel insurance providers.

Reimbursements with MSH International

MSH International reimburses eligible expenses up to your plan’s coverage limit, minus any policy deductible. Here’s how claims are handled on the highest-tier plan:

✅ Example 1: Hospitalization after sudden illness in France
Total medical bills: $6,300 (hospital stay, tests, ambulance)
Deductible amount to subtract: $100
Amount reimbursable after deductible with the Premium plan: $6,300 – $100 = $6,200
? You receive a reimbursement of $6,200.
ℹ️ The Premium plan covers eligible emergency medical care abroad up to $7,000,000 per policy year, after the deductible.

✅ Example 2: Lost luggage in transit at Heathrow
Total value of lost items: $1,250
Deductible amount to subtract: $0
Amount reimbursed at 100%: $1,250 × 100% = $1,250
? You receive a reimbursement of $1,250.
ℹ️ Pay attention to itemization—proof of purchase may be required for higher-value items.

✅ Example 3: Trip cancellation due to serious family emergency
Total non-refundable travel costs: $2,300
Deductible amount to subtract: $0
Amount reimbursed at 100%: $2,300 × 100% = $2,300
 ? You receive a reimbursement of $2,300.
ℹ️ Valid cancellation reasons and supporting documents, such as a medical certificate, are required for full reimbursement.

MSH International Support

MSH International’s assistance is available 24/7 by phone, which is key for travelers facing emergencies abroad. However, the absence of a dedicated WhatsApp number or mobile app limits flexibility and the ease of digital communication. The service supports at least two languages, English and French, which is standard but not broad. There is no mention of teleconsultation, and claims processing time can be longer than average based on user feedback. Advance payments for medical expenses are available but require approval, which may delay urgent care in specific cases.

MSH International Reviews

We analyzed the reviews from the sites mentioned above.

On the positive side, policyholders who purchased a plan from MSH International for their trip often mention:

• An exceptional level of support from certain customer service representatives during complex claims.
• A high coverage limit for medical emergencies which is reassuring for serious incidents.
• The availability of a 24/7 assistance hotline which is valued by travelers facing emergencies.

On the negative side, they mention:

• A very long processing time for claims, sometimes several months or more.
• Frequent loss or repeated request for documents during claims handling.
• A need to advance large sums for medical care before reimbursement, causing financial stress.
• A lack of responsiveness by email and delays in customer service on the phone.
• A perception of administrative disorganization which makes following a claim difficult.

Customer testimonial

I had a minor car accident in Paris and had to go to the hospital for a check-up. The bill was €500 (approx. $740 CAD). I called the 24/7 assistance line, but the wait times were incredibly long. When I finally got through, the process to start a claim felt complicated and slow. I had to pay upfront and I'm still waiting for my reimbursement weeks later. The whole experience has been very stressful and disappointing. Mark, 45 years old

MSH International Contact

FAQ

A. Fruchard

Insurance expert

Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.