Independent insurer guide · Updated October 2026
MSH Discover Canada visitors insurance: coverage, pre-existing rules and Super Visa
Up to $1 million of emergency cover for visitors and Super Visa parents aged 15 days to 89. Buy online or compare live quotes below.
Discover Canada is a single, comprehensive emergency medical plan from MSH International for visitors, Super Visa applicants, work- and study-permit holders and new immigrants waiting for provincial coverage. Here are its benefit limits, how pre-existing conditions are handled at each age, waiting periods, monthly payments, refunds and how to claim, with tools to check eligibility and estimate payments.
The short answer
MSH Discover Canada is a Visitors to Canada and Super Visa emergency medical plan underwritten by certain underwriters at Lloyd's, administered by MSH International (Canada) Ltd., with claims and 24/7 assistance by Intrepid 24/7. It covers ages 15 days to 89, with coverage of $50,000 to $1,000,000 and deductibles from $0 to $25,000. Stable pre-existing conditions are covered after 90 days of stability up to age 70 and 180 days at 71–80; they are not covered after 80. Extras include prescriptions up to $2,000, maternity up to $5,000 and wellness benefits. For a Super Visa, choose $100,000 or more for 365 days.
What MSH Discover Canada covers and who can buy it
Discover Canada is one comprehensive plan, not a basic and premium pair. You choose the coverage amount and deductible.
Eligible travellers
- Visitors to Canada and Super Visa applicants
- Holders of a valid work or study permit
- New immigrants and Canadians waiting for provincial health coverage
- Aged at least 15 days and under 90 on the effective date
Not eligible: travelling against a doctor's advice, a terminal illness or congestive heart failure, new or undiagnosed symptoms, or needing help with daily living.
What stands out
- Coverage from $50,000 up to $1,000,000
- Stable pre-existing conditions covered up to age 80
- Prescriptions $2,000, accidental dental $4,000, maternity $5,000
- Wellness benefits: vaccines, a physical and an eye exam
- Deductibles from $0 to $25,000 to lower the premium
- Monthly option: first and last month plus a $90 setup fee
MSH Discover Canada benefit limits
Emergency hospital, physician and diagnostic costs are paid up to the coverage amount you choose. These are the separate limits for other benefits.
| Benefit | Maximum | Important condition |
|---|---|---|
| Emergency hospital and physician | Up to the coverage amount chosen | Semi-private room; medically necessary emergency care |
| Emergency transportation | Up to the coverage amount chosen | Ground, air or sea ambulance to the nearest suitable facility |
| Prescription drugs | $2,000 per policy | Usually a 30-day supply unless hospitalized |
| Paramedical practitioners | $500 per profession | Prescription and approval rules apply |
| Emergency dental: accident | $4,000 | Accidental blow to the face |
| Emergency dental: pain relief | $500 | Eligible emergency treatment |
| Maternity | $5,000 | Pregnancy must begin after the effective date |
| Psychiatric or psychological care | $500 | Acute treatment with prior approval |
| Return of remains | $10,000 | Or burial or cremation in Canada up to $5,000 |
| Wellness: vaccines / physical / eye exam | $100 / $250 / $100 | After the required period of continuous coverage |
Pre-existing conditions and waiting periods by age
A condition is "stable" only if there has been no new symptom, diagnosis, treatment or medication change, hospitalization, referral or pending test during the stability period.
| Age on the effective date | Stable pre-existing conditions | Sickness waiting period if bought after arrival |
|---|---|---|
| 15 days – 70 | Covered if stable for 90 days | 48 hours |
| 71 – 80 | Covered if stable for 180 days | 5 days |
| 81 – 89 | Not covered (all pre-existing conditions excluded) | 5 days |
Discover Canada eligibility checker, monthly payment and refund calculators
Check whether a traveller fits the plan's rules, see what the first monthly payment would be, and estimate a refund.
About the traveller
Results update as you change anything.
Your monthly quote
Enter the monthly premium from your quote.
Your policy
Enter what you paid and what happened.
Tools use the Discover Canada policy rules as reviewed October 2026. They are estimates, not a quote, an offer of insurance or a refund decision; the issued policy and MSH decide.
Claims, emergency assistance and refunds
In an emergency
- Canada and USA: 1-800-203-8508
- Collect: +1-416-646-3107 · intrepid@intrepid247.com
- Call as soon as symptoms or an emergency start, and within 24 hours of a hospital admission
- Get approval before surgery or other services that need it
- Send itemized bills, receipts, medical records and proof of travel
Important: without reasonable cause, not notifying Intrepid 24/7 can leave you paying 20% of the claim.
When you can get money back
- Before the effective date: full refund
- Super Visa refused: full refund with proof; otherwise a $250 cancellation fee
- Early return or provincial coverage: prorated refund less a $25 fee
- No refund after a claim is paid or while one is pending
- No refund of less than $20
Try the refund estimator above.
How MSH Discover Canada compares
Where it stands out: coverage up to $1 million, stable pre-existing cover up to age 80 with a short 90-day period up to age 70, a wide deductible range, and extras many visitor plans don't include, such as maternity and wellness benefits.
Where to look closely: pre-existing conditions are not covered after age 80, travellers aged 71–80 need 180 days of stability, and a 5-day sickness waiting period applies to older travellers who buy after arriving.
Main exclusions: unstable or age-excluded pre-existing conditions; non-emergency, routine, elective or cosmetic care; treatment in the country of origin; ongoing care after the emergency; specified hazardous activities; and services needing approval that wasn't obtained. The issued policy has the full list.
The best plan depends on the traveller's age and health. The live quote form compares Discover Canada with other Canadian insurers in one place.
✓Before you buy Discover Canada
- Confirm the traveller is under 90 on the effective date
- Check stability: 90 days up to 70, 180 days at 71–80
- Over 80 with medical history? Compare other insurers
- For a Super Visa: $100,000+ for 365 days
- Buying after arrival? Note the 48-hour or 5-day waiting period
- Answer the medical questions accurately and keep the policy wording
MSH Discover Canada insurance: frequently asked questions
Short answers first, details below.
Who underwrites MSH Discover Canada insurance?
Discover Canada is underwritten by certain underwriters at Lloyd's and administered by MSH International (Canada) Ltd.
Emergency assistance and claims are handled by Intrepid 24/7, which can arrange direct billing with hospitals where possible.
Is MSH Discover Canada accepted for the Super Visa?
Yes. Discover Canada is sold for visitors and Super Visa applicants; for the Super Visa, choose at least $100,000 of coverage for one year (365 days).
IRCC also needs proof the policy is paid in full or by instalments with a deposit. See Super Visa insurance requirements.
What is the age limit for MSH Discover Canada?
Travellers must be at least 15 days old and under 90 years old on the effective date.
Pre-existing conditions are only covered up to age 80, so older travellers with medical history should compare other insurers too.
What coverage amounts does Discover Canada offer?
$50,000, $100,000, $150,000, $300,000, $500,000 or $1,000,000 of emergency medical coverage.
For a Super Visa, choose $100,000 or more.
What deductibles can I choose?
Published options are $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000 and $25,000.
The $100 and $250 options are reported as unavailable over age 70. A higher deductible lowers the premium, but you pay that amount first on a claim.
Does MSH Discover Canada cover pre-existing conditions?
Yes, if stable: 90 days of stability up to age 70 and 180 days at ages 71–80. Pre-existing conditions are not covered after age 80.
A new symptom, diagnosis, medication or dose change, hospitalization, referral or pending test can mean a condition is not stable. Use the eligibility checker.
Is there a waiting period?
Only if you buy after arriving in Canada: 48 hours for sickness in the younger age band and 5 days in the older band.
The policy wording overlaps at exactly age 70, so confirm the waiting period before the policy is issued. It may be waived when replacing continuous coverage with no gap.
Can I pay for Discover Canada monthly?
The policy wording describes a monthly option: the first payment is the first and last month's premium plus a $90 setup fee.
The remaining months are collected on the issued schedule. Monthly payment changes how you pay, not the benefits. Confirm availability when you buy; use the monthly payment calculator.
Can I get a refund?
A full refund before the effective date; a full refund if the Super Visa is refused and you send proof (otherwise a $250 fee); and a prorated refund less $25 if the traveller leaves early.
No refund after a claim is paid or while one is pending, and none under $20. Estimate yours with the refund estimator.
How do I make a claim with MSH Discover Canada?
Call Intrepid 24/7 at 1-800-203-8508 (Canada and USA) or collect at +1-416-646-3107 as soon as an emergency starts, and within 24 hours of a hospital admission.
Get approval before surgery or other services that need it, then send itemized bills, receipts, medical records and proof of travel. Without reasonable cause, missing the notification can leave you paying 20% of the claim.
Does Discover Canada cover pregnancy?
It includes a maternity benefit of up to $5,000 when the pregnancy begins after the effective date.
Routine prenatal care and pregnancies that started before coverage are not covered.
How do I buy MSH Discover Canada insurance?
Use the Buy MSH Discover Canada online button on this page to go to MSH's secure purchase page, or compare it with other insurers in the live quote form.
For help with medical questions or a Super Visa policy, call or WhatsApp Pankaj Bhatia at 647-640-2222.
Is MSH Discover Canada a good choice?
It suits travellers who want high limits (up to $1 million), stable pre-existing cover up to age 80 and extras such as maternity and wellness benefits.
Look elsewhere if the traveller is over 80 with medical history, or is 71–80 with a change in the last 180 days. Compare prices in the live quote form.
About the author: Pankaj Bhatia, CHS, PFA
Licensed insurance & financial advisor · Insure In Canada Inc. · Mississauga & Cambridge, Ontario
Pankaj has 11 years of experience helping visitors, Super Visa families, workers, students and new immigrants compare emergency medical insurance. He is licensed for insurance in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia. This page is an independent guide, not published by MSH International or Lloyd's; plan access is through his licensed distribution arrangements.
More about Pankaj · Call 647-640-2222 · WhatsApp · Email · Google reviews
Buy MSH Discover Canada online or compare it first
Go straight to MSH's secure purchase page, compare Discover Canada with other insurers, or talk to Pankaj about a medical condition.
Sources and related pages
- MSH Discover Canada policy wording and benefit summary (reviewed October 25, 2026)
- PolicyAdvisor: MSH Discover Canada review (deductible options)
- IRCC: Super visa insurance requirements
Independent guide prepared by Pankaj Bhatia through Insure In Canada Inc.; not published by or on behalf of MSH International, Intrepid 24/7 or Lloyd's. Plan details reflect the Discover Canada policy wording reviewed October 25, 2026; the issued policy governs, and benefits, rules and fees can change. Product names and marks belong to their owners.