MSH Reviews 

I need to sign up for insurance so I can be contacted in case of any emergency.

MSH International is constantly refusing to reimburse me for approved drugs from 2023. I had to contact them 3 times last year about this and each time it was finally approved with the last correspondence in Nov/25 stating there was a permanent note on my file. Well in March I put the same drug claim and again it was denied. I spoke with Katherine Jasper by phone and she said it would be escalated. It is now over 2 months since I placed my claim that should have been processed with the 'permanent note' and I have been ghosted. This is the worse company I have ever dealt with. I am thoroughly disappointed that PSHCP/Canada Life gave us this horrible provider.

Worst health insurance I ever experienced :
- great to promise quick answer but never comes back to you
- best at rejecting legitimate medical bill
- champion at stopping and or rejecting direct billing

I wish my company will change to real health insurance not a phony one like MSH that is just a big joke.

Edit from 03 June 2026:
So... I contacted the reclamation email as they proposed two weeks ago to explain further in details all my issues, naively hoping some improvements, and guess what... never got any answer from them.
That says it all, even the reclamation center is rotten.

Edit from 04 June 2026:
Oh yeah, forgot to mention that they suffer a cybersecurity breach, our sensitive personal data is now compromised.
Grand slam !

C'est ma première fois et je suis encore entrain de m'enrôuler, aucune expérience

Bonjour,
Mise en place rapide avec un conseiller.
Tout c'est bien passé,
Merci,

Great service from MSH . Claim settlement is very fast and without any hidden charges. Appreciated much than exception.

On me propose un test de satisfaction alors que ma requête n'a même pas été adressée...

I rated 1 star because 0 is not an available option. Three months and counting trying to get re-imbursed for less than 1000$ of pre-approved out of pocket emergency medical expenses.
Their Portal and communication system is garbage and outdated.
I do admit that the frontline people I have spoken with (on way to many occasions) are friendly.

Site internet incompréhensible.
Suivi des mensualités 🤷

Malheureusement l'intégralité du process. Sachant qu'en plus j'étais client (collectif).

Calling their service feels like a gamble—sometimes you reach someone who struggles with the language, other times an agent who seems disengaged or even rude, and occasionally someone genuinely helpful who goes out of their way to assist.

The inconsistency is the real issue; while some agents are excellent, others transfer calls due to lack of understanding or handle interactions poorly.

Overall, MSH would benefit from tighter quality control, ensuring strong agents are retained and others receive proper training.

Je rencontre depuis plusieurs semaines des problèmes récurrents avec MSH concernant mes remboursements de soins.

Malgré des demandes très claires de ma part et une note explicitement ajoutée dans mon dossier indiquant que les remboursements doivent être effectués en euros, MSH continue d’émettre les paiements en livres sterling, simplement parce que mon IBAN commence par “GB”.

Résultat : les paiements sont rejetés par la banque et les remboursements prennent des semaines de retard.

Aujourd’hui, cela fait plus de deux semaines que j’attends un remboursement d’environ 220 €, et l’on m’explique maintenant que je dois attendre que le paiement incorrect en GBP soit rejeté avant qu’un nouveau paiement en Euros puisse être émis.

Le plus inquiétant est que lors d’un appel avec leurs services, il m’a été clairement expliqué que les agents qui traitent les remboursements ne consultent pas les notes présentes dans les dossiers clients et se contentent de regarder le pays de l’IBAN pour décider de la devise du paiement.

On m’a même suggéré d’ouvrir un compte dans la zone euro pour éviter ce problème, ce qui est totalement inacceptable : un client ne devrait pas avoir à modifier son organisation bancaire pour compenser un dysfonctionnement interne.

J’ai déjà contacté leur service réclamations, donc inutile de me répondre avec un message automatique me demandant de faire cette démarche.

Cette situation est extrêmement chronophage, stressante et totalement évitable si les instructions présentes dans les dossiers clients étaient simplement respectées.

Our claim has been unrightfully declined, even though the situation is literally what we are insured for. We provided all required documentation, yet the claim was rejected without a clear and fair explanation. It feels extremely frustrating to pay for coverage and then be denied when you actually need it. Based on this experience, I would not recommend taking this insurance.

We are very satisfied with the medical insurance services provided by MSH International. Truly appreciate the professionalism, prompt support, and efficient cooperation we have experienced since becoming members.

Both my wife and child, who are co-insured under my policy, have also benefited from the high-quality services and responsiveness offered by MSH.

Since joining the company and enrolling in this insurance plan, we have consistently received reliable assistance and clear communication, which gives us confidence and peace of mind.

Overall, we are very pleased with the collaboration and the level of care provided, and we value the positive experience we have had so far.

This company is run by human garbage. Emergency rooms refuse to deal with them as much as possible. My wife go left in a hallway with homeless addicts when they found out we had MSH. Based on my experience, they are harvesting chromosomes and installing an extra one in every employee. They exemplify greed and incompetence. You'd be better off being insured by a bloated roadkill. If I had to dal with thm again I'd consider shooting myself - except I'd have to pay out of pocket for care and never get reimbursed.

MSH m’accompagne dans la prise en charge de mon cancer. A chaque fois l’assurance réagit rapidement même dans l’urgence, vraiment on ressent le soutient de MSH. Merci beaucoup .
Je recommande vivement MSH

تجربتي مع هذهِ الشركة كانت ممتازة لديهم كادر وممثلين أكثر من رائعين صدقاً أقولها ومن كل قلبي ووجداني إنها شركة إنسانية بالدرجة الأساس ولديهم حرص عالِ على متابعة الشخص ومتفهمين جداً لجميع الحالات الطبيعية والعاجلة... أُقدم محبتي واحترامي شركة أكثر من رائعة وبامتياز

Very good Company
.Thanks for all your services.