MSH レビュー 

I am deeply disappointed with the customer service I have received. Three months have passed since I filed a claim for $3000, and I have yet to receive any payment. This level of service is the worst I have encountered in Canada.

Last week, I spoke to the claim department, and they assured me that my claim was approved and the funds were ready for disbursement. They even advised me to call back if I hadn’t received the payment by Friday. However, today, after six attempts and enduring 30-minute wait times, they abruptly hung up on me.

My policy number is 7529, and my claim number is 732. This experience has been utterly frustrating, and I urge the company to address this issue promptly.

Update: they also go against privacy and randomly call your providers and medical centres you use and try to get information from them about their practice and procedures and ways of billing. They actually put this in an email to me! I never once asked them to call these people! Without even asking the customer first! I had two providers call me this week alone asking permission to speak to them as MSH was asking for written confirmation of things. And of course I feel coerced and pressured to say yes otherwise I feel MSH would not pay my claim at all if it was eligible. One place MSH called is a radiology centre I have not even been to in over a year. The person who called me was kind of shocked and it was so embarrassing for me to have to explain. I believe they do this to try to collect as much as they can to try to find ways to deny claims. Never ever go with this company. It should be shut down. Allianz is much more reputable . This place needs to be shut down. I am hiring a lawyer now due to missing payments and any payments they deposit they have employee payroll on them, as well as wrongfully denied claims. Let’s see how much they can stand a lawyer bothering them. I cannot handle this type of unprofessional behaviour . And this is just the tip of the iceberg. The amount of overwhelming information and emails I have showing all of the above issues is massive. I print and keep everything as their email system automatically deletes emails after a certain time once they are sent. They want no paper trail. Look in the news how they wrongly denied a man’s wife to life saving healthcare a month ago and she died. Of course MSH readily agree to settle quickly out of court . I also have recent deposits for things they did pay out labelled as employee payroll deposits lol despite they say this was an error and due an IT mistake. But yet it happened a second time too. They brush everything off as a minor mistake. Nothing to see here folks!

If I could put 0 stars I would. Privacy breaches include i have received other people’s EOBs with their account numbers and addresses and private information on them. Craig Law in Panama City, FL I have some of your EOBs if you read this. Other people have received other people’s EOBs too. This is the service we get as PSHCP members. I have claims that say closed and processed over a week ago in the portal and show paid yet no money on my account. I finally received a deposit of 463.44 I was awaiting and chasing them for for almost over a month. They deposited it somewhere but not in my account! Now I have to chase them for the other three missing deposits. There is no way this company is versed in ex Pat insurance. One customer service agent I spoke to asked me what time zone South Carolina was in. I would think if you work in comprehensive and overseas coverage you would know geography. Hire this company at your own risk. A bunch of us ex pats are looking into legal restitution yo get our money back and claims
Processed and have the phones answered….they could do the latter at the very least! If someone does answer the phone,
The agents get more creative with why things are not covered that Allianz used to cover and should be covered. For example o was told that an anesthesiologist can be covered but not if he administers drugs. They just makes no sense. What is he supposed to do in the OR? And then I was told drugs are covered only if not on the ER. Nor are surgeries and other health issues. Wow. Well what is covered then? Despite my plan clearly says I have comprehensive coverage and everything covered by OHip is covered outside of Canada. But no you cannot tell these people that. They just make up some other story why they should not pay. I would be better talking to a frog.
They say they cannot see anything or help. They pass you to another department and you sit on
Hold for hours. Imagine being in an ER and trying to get through to these people. They must operate out of a garage. No company can survive this way. Allianz Global is excellent. Go with them. Great service and timely reimbursements and reliable staff that will respond and call back when they promise to. Any payouts are reasonable for only a few weeks wait. And they answer the phones. Trust me run fast from MSH.

Scam company. You'll never get your money. I'm under PSHCP and it has been a year and no money and they claim they deposited it yet their online portal shows no claim history. 100s of public servants are saying the same..they need to be investigated.

Update. No on ever contacted me.
My mailing address has been "fixed". I now live in "New Hampshire, France" as opposed to "France, New Hampshire USA." Full marks to the French Post Office, 'cause I got a letter.
1 recent claim paid. Still > $3000 outstanding.
According to the improved web site, claims from 8 months ago are still "under review". Other are missing completely.
Despite claims for improved service, nothing has changed.

While on a recent vacation in the Bahamas, I fell and broke my ankle. I called MSH for assistance (March 2, 2024). I waited on the phone for over an hour for assistance with my medical emergency, but no one answered. I used the automated phone system to select the option to leave my phone number for a call back, but no one from MSH ever returned my call.

After returning home, as a member of the PSHCP retirees, I submitted my medical claim electronically. I did not receive an email acknowledgment for my claim, nor can I view my submitted claim on the MSH website. One week later (April 5) I called MSH to check the status of my claim.  I waited on hold for over an hour before the call was picked up, only to be transferred to the claims department where I waited again for over an hour at which point the call dropped (or was cancelled by MSH). I repeated the process. When I finally spoke with a person at MSH, I was told that phone agents do not have access to electronically submitted claims. Further, I was told that my claim would take a minimum of several weeks to process, and more likely several MONTHS. 

The service received to date for an out of country medical emergency clearly falls short of good service, and to say the service I have received was atrocious is an understatement.

Je suis surprise de voir tout ces commentaires concernant MSH. J'ai eu une excellente expérience avec MSH International lors de mon expatriation en Afrique du Sud. Je recommande vivement cette assurance qui m'accompagné du début jusqu'à la fin.
Un grand merci au service commercial qui m'a aiguillé dans mes recherches.

Terrible customer care.
If you are looking for a reliable INTERNATIONAL insurance stay away from MSH.

When trying to file a claim they send you around to different insurance companies which do not communicate in English, make you fill out documents in French and require you to have a French phone number. Not what you expect from an "international" insurance.

I'm still waiting for a refund. They had asked me for some clarifications after I replied, they did not answer anymore.

I've left a call back number 3 times and have yet to receive a phone call. I just received a EOB in the mail concerning a small portion of my claim and yet no money is deposited into my check. I submitted numerous claims two months ago and have yet to receive any money back. Who got paid off to get Canada from changing from a company that worked to one that doesn't?

This company has no customer support. I went to Argentina in november 2023, developed Bronchitis. Had to go to the hospital to get treatment. I tried to call from Argentina. They did not respond. On returning I went through the service portal and filed a claim, using the right forms, etc. It was never acknowledged. As if it disappeared in thin air. I tried to call, sent emails, wrote a review in another social network. I also sent the claim via paper mail. Nothing. No response.
This makes me afraid that we really do not have International travel protection. aI
I ASK THE MANY CLIENTS OF THIS COMPANY THAT ARE SO DISSATISFIED (91% IN THIS PLATFORM), DOES THIS MERIT A CLASSS ACCION LAWSUIT?
Rene Alfaro. Federal civil servant (retired)

Update - After leaving a review on trust pilot regarding my travel insurance claim through MSH International, I emailed them at the address they provided and within a week of that communication I had a deposit in my account. They also sent a written statement in the mail regarding the deposited amount, and even though it doesn’t provide a lot of detail on how they came to the amount, it was something. It took months of failed attempts to contact them via phone, but the “reclamation email address” they provided in the review did help I believe.

This is beyond ridiculous and having such an impact on our life, no answers when we call, no replies when we email and no reimbursement for months. The government needs to stop any dealing with MSH ASAP if they care at all. We are out of a lot of money and yes, we have emails the “reclamation” email and no answers ever.

Until someone brings them to court for breach of contract they will not stop offering this poor service. People pay for this service.

I am insured through the PSHCP. I have submitted several claims to MSH International. There has never been an acknowledgement and, as others here observe, it is impossible to reach them. Very very frustrating.

my husband and me try to send 4 times of the same claim by internet and 1 time by post and nothing we don't no nothing we try to call by don't return call and went we wait they cut us after 4 hours. today it been i month that we try everything event with they assistence internet but always nothing. We have sphcp msh international and Canada life. we are retired and the hospitalisation of my husband in punta cana the 8/12/23 is not pay by your insurance in Canada. it a lot of money that the company owes us.

Been trying to submit a claim since Nov 2023. Have no idea if the electronic claim went through as there are no return notifications it was received or in process. As everyone indicates phoning them is useless as nobody answers. Stayed on hold for 6 hours one day and hung up as time passed their business hours. Don't bother doing the callback thing as nobody calls back. Online emails are useless as well. I have to wonder if this company is a scam. Unbelievable.

After a week of waiting hours on the phone and requesting call backs each day I finally got a call back after my government representative and ombudsman acted on my behalf. I just had a simple question about benefits. The gentleman who called was patient and helpful but not knowledgeable.

If you have a choice do not purchase insurance from this company!

I have been trying to get a claim put through since August 6th, 2023! I tried calling while in Mexico so the doctor could direct bill but they did not pick up the phone.

I submitted the claim online 4 times and once by mail but it still doesn't show up in the online portal.

I have called numerous times but after 8 hours with no one answering the phone I gave up. I've spent about 14 hours in total on hold. Oh and the option for someone to call you back is a lie, no one ever calls you back.

The only reasoning I can think of is that they are doing this so that people give up on making claims and they get to keep the money.

I would not be surprised if this company goes bankrupt in the near future.

Been trying to contact to settle a claim since November. Telephone calls are waste of time. No one picks up the calls or returns the calls. Their web site is a disaster as it does not recognize me in their data base. After paying premiums for over 50 years and now retired this is a terrible and humiliating experience to go through. Even months after submitting claim, it remains unpaid and the hospital in the US is sending repeated reminders, not a way to treat paying members.
For this comment they asked me to provide further details on a web site, and after providing all the details with great efforts, it said sorry something went wrong at their end. TRY AGAIN!