FAQ's

Health Insurance is one of the most important things you will arrange with regards to your education. Health care costs around the world are continuing to rise. Some sample costs:

• One visit to the doctor and the antibiotic prescription you are given could cost you $150 dollars.
• Costs for visiting a Hospital ER begin at approx. $700 dollars
• If you are hospitalized, it could cost you up to $3200 dollars per day
• If you need to stay in the hospital for 10 days, it could cost more than $35,000 dollars including doctor's fees etc.

Health care costs around the world are an issue. You should always have health insurance when travelling outside your home country.

There are two options; one is by applying online, and the second is by applying through your school.

Once you apply and pay online you have coverage. You will receive confirmation from us that your application has been processed and approved when we email you your paid invoice and ID Card.

If you applied online, your ID Card will automatically be sent to your email address. If you applied through your school, you will need to check with your school to receive your ID Card.

Yes, you can extend your coverage. Apply using the online application form.

Yes, you can purchase coverage for your family members as well when their coverage period is the same as yours. Apply using our online application form.

Guard.me is designed to meet the needs of the education marketplace. Eligible applicants include:

• International Students
• Study Abroad
• Teachers
• School Faculty and Staff
• Exchange Programs and Camps
• Co-ops, Internships and Work Projects, Work and Study
• Trainees
• Dependants and Immediate Family Members when the student is also insured

If you are unsure, please contact us for more details.

While some plans may be cancelled, others may have some restrictions. Please contact us for more details.

While some plans may be cancelled, others may have some restrictions. Please contact us for more details.

Yes. You can ask your school to request a new ID Card or you can contact us.

Yes, you can travel to another country but you are not covered in your Home Country.

• For StudentGuard insureds, you must spend more than 50% of your time in Canada. Travel to the US is limited to 30 days. 
• For Guard.me insureds, travel is covered within the EEA and the USA. 
• GlobalGuard insureds are covered worldwide, but not in your Home Country.

Guard.me covers emergency health conditions that first start after you buy your insurance coverage.

IMPORTANT: WE WILL NOT PAY FOR YOUR DOCTOR'S VISITS OR ANY OTHER MEDICAL EXPENSES IF YOU ARE SICK, HURT OR KNOW THAT YOU WILL NEED TO SEE THE DOCTOR WHEN YOU BUY YOUR INSURANCE.

This Insurance covers you in case you become sick or injured, NOT when you are already sick or hurt. We do not pay for expenses for an illness or sickness that you already had before the start date of your policy, or for routine doctor's visits or treatments.

IMPORTANT NOTICE: THIS IS A BRIEF SUMMARY OF BENEFITS ONLY. FULL DETAILS ON BENEFITS, EXCLUSIONS AND LIMITATIONS ARE FOUND IN YOUR GUARD.ME POLICY. THE ACTUAL POLICY WORDING GOVERNS

This is a summary of exclusions ONLY, please read your policy carefully for complete details.    

• Treatment or medication to maintain a chronic, ongoing condition (such as high blood pressure)
• Unstable Pre-existing conditions (please refer to the policy for details)
• Plastic or cosmetic surgery or procedures
• Any expenses before coverage starts or after coverage has expired
• Medical services provided in your home country
  
• Extreme activities such as bungee jumping, skydiving etc.
• Medications available without prescriptions (over-the-counter or OTC medicines)
• Any treatment required due to alcohol or drug abuse.

In the event of an emergency, we are ready to assist you 24 hours a day. Please click here for emergency Assistance numbers.

No, for minor emergencies you do not need to call. Just complete the Claim Form including your Policy number and your date of birth, making sure to tell us WHY you saw the doctor and either submit online or send it in with the original bills or receipts.

You do not need to call before going to the Emergency Room, but you may wish to call us so we can speak to the hospital regarding payment. If you are admitted to the hospital (staying overnight or longer), please call us.

You need to call:

• When you are being admitted to the hospital to stay
• When you are having major tests called 'CAT scans' or 'MRI's'
• When you are at the dentist
• When you need to have surgery

Please go to a local walk-in clinic or doctor's office. If your condition requires a visit to the Emergency Room at the Hospital, the doctor at the clinic will tell you. For major medical emergencies such as broken arms/legs, accidents, or when you need to be taken to the hospital by ambulance, please go to the nearest hospital. You need to call us as soon as possible to advise us of your claim. Please click here for emergency Assistance numbers.

Please check our online directory or call us for assistance. Please click here for Assistance numbers.

You may visit any medical clinic or doctor's office. In the event of a serious injury please go to the nearest hospital and seek medical attention immediately.

Certain clinics/doctors/hospitals will ask you to pay for services you receive. Hospitals will generally ask you to pay. (Average costs for going to an Emergency Room begin at approx. $700 dollars.) If you are asked to pay, please ask for a receipt. Original receipts must be submitted with a completed Claim Form in order to receive your refund. Please make copies of all documentation submitted to us for your own personal file.

You must submit a fully completed Claim Form in order for us to pay for your expenses. The Claim Form must clearly state WHY you went to the doctor. If there is no indication of WHY you saw the doctor, your claim cannot be processed. You must also include all original receipts or bills for your expenses. You may want to keep a photocopy for your records, but we MUST receive the originals. Please click here to submit your claim online.

The piece of paper showing the charges for your treatment and any payments made that the doctor or hospital gives you at the time of your visit is your original.

IMPORTANT: for prescription medications (the kind that you get from the Pharmacist at the back counter in a pharmacy or drug store) we must have the receipt that has the following information:

• Your name
• The name of the doctor who prescribed the medicine
• The name and 'DIN number' of the drug

If you have paid for medical services, then the doctor does not need to sign the form. You can complete and sign the Claim Form yourself.

If you have paid for the medical services yourself then you are responsible for submitting your claim. Please click here for online claim submission.

Please complete the Claim Form and submit as soon as possible.

When your claim is submitted with ALL the information required to process your request (Including WHY you went to the doctor, and WHO we should pay plus original bills or receipts), your claim will be processed within 7 working days. For eligible claims, we will mail a refund cheque to the address provided on the Claim Form. In some circumstances, we may refund your claim payment directly to your bank account.

Please use your current policy number when submitting claims.