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- MSH Canuck Voyage Travel Insurance provides up to $7 million in emergency medical coverage for eligible travellers outside their home province or territory
- Eligible stable pre-existing medical conditions may be covered, provided they meet the required stability period of 30 to 180 days
- The policy includes 24/7 Intrepid 24/7™ emergency assistance, along with benefits such as hospitalization, medical evacuation, emergency dental care, and prescription drugs
MSH International’s Canuck Voyage travel insurance provides up to $7 million in emergency medical coverage for eligible expenses, including hospitalization, physician services, emergency transportation, and any other medical emergencies. MSH travel insurance premiums typically range from approximately $111 to $898.50, depending on the traveller’s age, selected plan, trip duration, and coverage options. It provides coverage for stable pre-existing medical conditions, typically 30-180 days, depending on the age.
Quick review: MSH travel insurance:
- PolicyAdvisor rating: 4/5
- Best for: Frequent travellers who want high emergency medical coverage without paying for bundled travel benefits they may not need
- Skip if: You need trip cancellation, trip interruption, baggage, or travel delay coverage, as MSH focuses primarily on emergency medical insurance
What is MSH International travel insurance?
MSH International travel insurance is an emergency medical insurance offered by MSH International Canada that protects eligible Canadian residents against unexpected medical emergencies while travelling outside their home province, including international travel. It offers travel insurance for Canadians through its Canuck Voyage policy, which includes both single-trip and annual multi-trip plans, allowing travellers to choose coverage based on how often and how long they travel. The coverage is designed for emergency treatment only and is subject to policy terms, eligibility requirements, exclusions, and pre-existing condition stability rules.
Key features of MSH travel insurance
| Plan type | Single-trip or annual multi-trip |
| Minimum eligibility age | 15 days |
| Maximum eligibility age | Under 80 years of age |
| Trip duration |
|
| Pre-existing coverage (stability period) |
|
| Deductibles | $250, $500, $1,000, $5,000, $10,000 |
| Maximum coverage in emergency medical | Up to $7,000,000 |
| Optional coverage | Top-up coverage for trips that exceed the number of days covered under an MSH annual multi-trip plan or another eligible travel insurance policy |
| Waiting period |
|
| Policy extensions |
|
| Claims administered by | Intrepid 24/7™ |
Who is eligible for MSH International travel insurance?
To get an MSH travel insurance policy, you must:
- Be a Canadian resident covered by your government health insurance plan for the entire duration of your trip
- Purchase coverage for the entire duration of your trip
- Be at least 15 days of age and under 80 years of age
- Be travelling for no more than 35 days if you are between 60 and 79 years of age
Who is not eligible for MSH travel insurance?
You are not eligible to buy MSH International travel insurance if you are:
- Travelling against the advice of a physician
- Diagnosed with a terminal illness
- If you are between 60 and 79 years of age, have been diagnosed with congestive heart failure or have an unrepaired aneurysm measuring 4.5 cm or more
- Experiencing new or undiagnosed symptoms or know of any reason to seek medical attention
- Travelling to obtain medical treatment outside your province or territory of residence, whether or not your attending physician recommends it
- Using or having been prescribed home oxygen during the 12 months before the effective date
- Require assistance with the activities of daily living
Types of MSH International travel insurance plans
MSH Travel Insurance offers flexible travel medical coverage through the Canuck Voyage plan, allowing Canadian travellers to choose between single-trip and multi-trip annual coverage based on their travel frequency.
- Single-trip plan: Covers one trip outside your home province or territory of residence for the duration selected at the time of purchase. Depending on age, travellers can purchase coverage for trips of up to 365 days (up to age 59) or 35 days (ages 60-79)
- Annual Multi-trip plan: Designed for frequent travellers, this plan covers multiple trips within a 12-month policy period without requiring a new policy for every journey. Travellers can choose trip duration limits of 5, 10, 20, 35, 50, 65, or 100 days per trip, while receiving the same emergency medical benefits available under the single-trip plan
- Top-up plan: MSH also offers a top-up coverage for travellers whose trip extends beyond the coverage period of an existing MSH multi-trip annual plan or another eligible travel insurance policy. The top-up policy provides additional travel medical coverage for the remaining days of the trip, provided it is purchased before the existing coverage expires and all eligibility requirements are met
What is covered under the MSH International travel insurance policy?
Here are the key benefits included under the Canuck Voyage policy:
- Emergency medical treatment: Covers eligible emergency medical expenses if you become unexpectedly sick or injured while travelling, with coverage of up to $7 million per insured person, per trip
- Hospitalization and physician services: Hospital stays, emergency room visits, physician care, nursing, and other eligible medical services
- Emergency medical transportation: Ambulance, hospital transfers, medical evacuation, and repatriation to Canada
- Prescription medications: Covers eligible prescription drugs required for emergency treatment, generally up to a 30-day supply, with exceptions while hospitalized
- Emergency dental treatment: Includes up to $5,000 for accidental dental injuries and up to $500 for emergency dental pain requiring immediate treatment
- Paramedical services: Eligible physiotherapy, chiropractic care, acupuncture, and other licensed treatments
- Meals and accommodation: Eligible expenses if your return is delayed due to a covered medical emergency
- Transportation to bedside: Economy airfare and accommodation for a family member or companion
- Repatriation of remains: Covers eligible costs to return your remains to Canada or provides a benefit for cremation or burial at the place of death
- Additional travel assistance benefits: Pet return, vehicle return, return of dependent children, travel companion, and excess baggage return
- Identity fraud recovery: Provides financial assistance for eligible legal and administrative expenses related to identity fraud during your trip
MSH travel insurance coverage at a glance
| Emergency medical expenses | $7,000,000 |
| Prescription drugs | 30-day supply (limit does not apply while
hospitalized) |
| Paramedical services | Up to $500 per insured person, per
profession |
| Dental accident | Up to $5,000 |
| Dental pain | Up to $500 |
| Transportation to the bedside | Round-trip economy airfare plus up
to $150 per day to a maximum of $1,500 each for the cost of meals and commercial accommodation |
| Meals and accommodation | $150 per day up to $3,000 |
| Emergency air transportation | Up to $250,000 |
| Repatriation of remains | Up to $15,000 |
| Cremation or burial | Up to $5,000 |
| Vehicle return | Up to $4,000 |
| Pet return | Up to $500 |
| Excess baggage return | Up to $500 |
| Hospital allowance | Up to $50 per day to a maximum of $500 |
| Return to the original trip destination | Up to $5,000 |
| Identity fraud recovery | Up to $5,000 |
What is not covered under MSH International travel insurance?
Here is a list of the common exclusions of the MSH International travel insurance policy:
- Unstable pre-existing medical conditions that do not meet the required stability period before your policy starts
- Non-emergency medical treatment, including routine care, elective procedures, cosmetic treatments, and ongoing treatment for chronic conditions
- Travelling against a physician’s advice or travelling after being diagnosed with a terminal illness
- Medical treatment that can reasonably be delayed until you return to your home province or territory
- Symptoms or medical conditions that you ignored or did not seek timely medical treatment for when a reasonable person would have
- Claims related to alcohol, illegal drugs, or other intoxicants that contributed to the illness, injury, or loss
- Routine pregnancy care, childbirth, and related complications occurring within nine weeks before or after the expected delivery date
- High-risk or extreme sports, such as mountaineering, skydiving, hang gliding, bungee jumping, professional sports, motorized racing, and certain scuba diving activities
- Travel to destinations with a Government of Canada ‘Avoid All Travel or Avoid Non-Essential Travel advisory’
- Losses resulting from illegal acts, self-inflicted injuries, war, terrorism, or nuclear, chemical, or biological events
Pros and cons of MSH International travel insurance
| Pros | Cons |
| High emergency medical coverage of up to $7 million | No coverage for trip cancellation or interruption |
| Travel assistance benefits include pet return, vehicle return, transportation to bedside, return of children or travel companion, and repatriation benefits | Certain treatments, diagnostic tests, and medical transportation require advance approval from Intrepid 24/7™ |
| Additional discounts available through family rates and 5% companion savings | No coverage for baggage loss, baggage delay, or travel delay expenses |
| Multi-trip plan coverage extends to a maximum of 100 days | |
| Automatic policy extensions for eligible travel delays, hospitalization, or medical emergencies |
How much does MSH International travel insurance policy cost?
MSH travel insurance premiums typically range from $111 to $898.50, depending on your age, trip duration, and whether you choose a single-trip or multi-trip annual plan with coverage for eligible pre-existing medical conditions.
The table below shows sample premium estimates for a Single-Trip plan and an Annual Multi-Trip plan with a 20-day per-trip limit.
| Age | Single-trip | Annual Multi-trip(20 days per trip) |
| 25 | $ 117.00 | $111.00 |
| 35 | $ 117.00 | $111.00 |
| 45 | $ 117.00 | $111.00 |
| 55 | $ 180.60 | $140.00 |
| 65 | $ 360.60 | $893.00 |
| 75 | $ 898.50 | – |
Disclaimer: Premiums shown are sample estimates and may change based on the traveller’s age, trip details, coverage options, destination, deductible selected, and underwriting criteria
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How to make a claim with MSH International travel insurance?
You need to follow these steps to file a claim against your MSH International travel insurance policy:
- Notify Intrepid 24/7™ and submit your claim within 30 days of the first medical expense
- Complete and submit the claim form. Please note that you will have to fill out for each illness or injury
- Submit all the original documents from the approved medical providers, along with prescription drug receipts and proof of departure and return date
- Sign and return the authorization form for MSH to coordinate payments with your provincial health insurance plan, if applicable
- Once all the pending documents and claim forms have been submitted, track the claim status on the MSH website
Can you cancel or get a refund on MSH travel insurance?
Yes, MSH Travel Insurance offers both full and partial refunds, provided you meet the policy conditions.
- Full refund (10-day free-look period): Cancel within 10 days of receiving your policy, before your trip starts, and provided no claim has been or will be made
- Full refund before coverage begins: You can receive a full premium refund if you submit a written cancellation request before the policy’s effective date. Refund requests must be submitted in writing within 60 days of the policy’s expiry date
- Partial refund: If you return home earlier than planned, you may receive a prorated refund, less a $25 administration fee, provided no claims were made during the coverage period
- Family policies: Refunds are available only if all insured travellers under the policy qualify for a refund.
- Annual Multi-Trip plans: Refunds are available only if the request is made before the effective date or if no travel has taken place
Does MSH travel insurance allow automatic extensions?
Yes, MSH allows you to extend your Canuck Voyage travel insurance automatically in specific situations if your return is unexpectedly delayed.
Automatic extensions are available if:
- Your flight or other common carrier is delayed due to circumstances beyond your control
- You are medically unfit to travel because of a covered sickness or injury before your policy expires
- You, your immediate family member, or your travel companion is hospitalized at the end of the trip. In this case, coverage continues throughout the hospitalization, plus up to 5 days after discharge
How does MSH International compare to other travel insurance providers?
MSH International Travel Insurance stands out for its up to $7 million in emergency medical coverage, flexible Single-Trip and Annual Multi-Trip plans, and travel assistance benefits that are not commonly included with many travel medical insurance plans, such as identity fraud recovery, vehicle return, pet return, and automatic policy extensions.
Eligible travellers may also qualify for family rates and 5% companion savings. However, if you are comparing travel insurance companies based on pricing, trip cancellation benefits, baggage coverage, or coverage for seniors, it is worth reviewing multiple insurers before choosing a policy. Read our guide to the best travel insurance companies in Canada to compare top providers side by side.
Our advisor’s take on MSH International travel insurance
One of our advisors recently assisted a 55-year-old Canadian traveller planning multiple business and leisure trips throughout the year who wanted high emergency medical coverage with the flexibility of an annual plan.
Client profile:
- Age: 55-year-old Canadian resident
- Trip duration and type: Multiple international trips throughout the year for both work and personal travel
- Primary concern: Finding flexible annual travel medical coverage with high coverage that would cover multiple trips throughout the year
- Our comparison: We compared travel medical insurance plans from several Canadian providers and recommended MSH’s Canuck Voyage Travel Insurance. While many insurers offer bundled travel insurance with trip cancellation and baggage coverage, MSH stood out for its up to $7 million in emergency medical coverage, multi-trip options ranging from 5to 100 days per trip, and additional travel assistance benefits that go beyond standard emergency medical coverage
Why we recommended MSH Travel Insurance:
- Offers a top-up coverage option for multi-trip plans
- Includes automatic policy extensions for eligible travel delays and 24/7 Intrepid 24/7™ emergency assistance with medical coordination and direct billing where available
- Provides an additional 5% companion savings and family rates to help you save on premiums
- Includes additional travel assistance benefits such as identity fraud recovery, vehicle return, pet return, and return to your original trip destination
If you are considering MSH Travel Insurance, our licensed PolicyAdvisor experts can compare it with other leading Canadian insurers and recommend the best option based on your destination, trip length, and budget. Schedule a call today!
Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.
Frequently asked questions
Is MSH Travel Insurance good?
Yes, MSH Travel Insurance is a good option for Canadians looking for emergency medical coverage while travelling. It offers up to $7 million in emergency medical coverage, flexible Single-Trip and Annual Multi-Trip plans, 24/7 emergency assistance, and coverage for eligible stable pre-existing medical conditions.
Does MSH Travel Insurance cover pre-existing medical conditions?
Yes, MSH Travel Insurance covers eligible stable pre-existing medical conditions. The required stability period ranges from 30 to 180 days, depending on the traveller’s age and, in some cases, trip duration. Any condition that does not meet the stability requirements is generally excluded.
Does MSH Travel Insurance offer annual multi-trip coverage?
Yes, MSH offers an annual multi-trip plan that covers multiple trips during a 12-month policy period. You can choose trip duration limits of 5, 10, 20, 35, 50, 65, or 100 days per trip.
Can I extend my MSH Travel Insurance policy?
Yes, MSH automatically extends coverage for up to 5 days if your return is delayed due to a covered travel delay, a covered sickness or injury that makes you unfit to travel, or hospitalization. Longer trips may also be covered through an eligible top-up coverage if purchased before your existing coverage expires.
Does MSH Travel Insurance cover trip cancellation?
No, MSH’s Canuck Voyage policy is primarily an emergency medical travel insurance plan. It does not include trip cancellation or trip interruption benefits, so travellers who need those coverages should compare other travel insurance plans before purchasing.
MSH’s Canuck Voyage travel insurance plan helps protect Canadians against unexpected medical emergencies while travelling. It includes up to $7 million in emergency medical coverage, flexible plan options, 24/7 emergency assistance, automatic extensions, and coverage for eligible stable pre-existing medical conditions.
