Do I really need Health Insurance? I've always been healthy.
Health Insurance is one of the most important things you will arrange with regards to your education. Health care
costs in Canada are continuing to rise. Some sample Canadian costs:
- One visit to the doctor and the antibiotic prescription you are given could cost you $150 Canadian dollars.
- Costs for visiting a Hospital ER begin at approx. $500 Canadian dollars
- If you are hospitalized, it could cost you up to $3200 Canadian dollars per day
- If you need to stay in the hospital for 10 days, it could cost more than $35,000 Canadian 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.
What does 'Inbound' mean?
Inbound refers to anyone coming to Canada.
What does 'Outbound' mean?
Outbound refers to Canadians who are studying or working or going on an exchange in another country.
How do I apply for StudentGuard™ Insurance?
There are two options; one is by filling out the online form and the second is by downloading the form, in PDF
format, and mailing or faxing the completed form to 1-866-329-8447 (Toll Free in North America) or 905-731-6676
if you are in Toronto, Ontario, Canada.
If your school is in our list of schools; please contact the school's administration department.
How do I pay for my insurance?
You may pay by credit card, cheque or money order. To pay by credit card, include your credit card type, number
and expiry date on your application. If you choose to pay by cheque or money order, please make payable to
'StudentGuard™ Health Insurance' and mail to:
StudentGuard™ Applications
300 John Street, Suite 610,
Thornhill, Ontario
Canada L3T 5W4
Please include your Application with your cheque or Money Order.
How do I know that I have coverage?
Sending an application does not mean you have coverage. Applications may be misdirected or may not
reach us. Proof of coverage is when you receive confirmation from us that your application has been processed and approved.
This can be by email, or by the receipt of your ID Card and Policy.
How long does it take to receive an ID Card?
Your ID Card will be mailed out the day after we process your application. You should receive your ID Card within 2-5 business
days, depending on the mail.
I have graduated but I want to stay insured; can I extend my coverage?
Yes, you can extend your coverage. Please review the extensions page for full
details
Can I apply for a family member?
Yes, you can purchase StudentGuard™ for your family members as
well. Please contact your school or organization for enrollment
information, or apply using our online application forms.
I am not a student, can I apply for insurance?
StudentGuard™ is designed to meet the needs of the education marketplace. Eligible applicants include:
- International Students
- Canadians Studying Abroad
- Teachers
- School Faculty and Staff
- Exchange Programs and Camps
- Co-ops, Internships and Work Projects
- Trainees
- Dependants and Immediate Family Members
If you are unsure, please contact our sales department
I want to stay longer, can I extend my policy?
Yes, you can extend your coverage. Please review the extensions page for full
details
How do I cancel my insurance?
For full details please refer to our cancellations page
How do I apply for a refund?
For full details please refer to our cancellations page
I lost my ID Card, can I get a new one?
Yes. We can issue a new card for you. You can ask your school to request a new ID Card or you can
contact our sales department.
Am I covered anywhere in Canada? What if I want to travel outside the province I am studying in?
Your policy provides coverage throughout Canada regardless of your location.
Can I travel to another country?
Yes, you can travel to another country but you are not covered in your home country. If you are an inbound student,
you must spend more than 50% of your coverage in Canada. Travel to US is limited to 30 days.
What is covered under my StudentGuard™ insurance policy?
StudentGuard™ 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.
WHAT IS COVERED
(certain limitations apply) |
If you, your insured partner or your insured child
has a new sickness or injury that first occurs AFTER
the start date of your policy, your policy will cover these
expenses: |
| DOCTOR/PHYSICIAN |
We will pay for doctor's visits to treat a new urgent
condition in a doctor's office or clinic. We will pay the doctor
when you need to go to the Emergency Room. |
| EMERGENCY ROOM |
When the doctor says you need to go to the hospital, or you
need urgent medical care outside regular clinic or office hours,
we will pay for treatment at an Emergency Room (ER) at the
Hospital. |
| AMBULANCE |
When you are unable to get to a hospital for an urgent
condition, we will pay for an ambulance to take you there. |
| TESTS AND X-RAYS |
When the doctor says you need tests (such as blood or urine
tests) or X-rays to diagnose your new condition, we will pay for
these tests. FOR OTHER TESTS CALLED 'CAT' OR 'CT SCANS' AND
'MRI'S' YOU MUST CALL STUDENTGUARD FIRST
BEFORE YOU HAVE THE TESTS DONE. |
| HOSPITAL |
If you need to stay in the hospital, We will pay for all
hospital costs. |
| DENTAL |
When you have purchased 6 or more months of consecutive
coverage, We will pay up to $600 Canadian dollars for dental work
for the relief of acute pain and suffering. |
| ACCIDENTAL DENTAL |
If you are hit in the mouth or are in an accident and your own
teeth are damaged, we will pay up to $4000 Canadian dollars to
repair or replace those teeth. |
| PRESCRIPTION MEDICINES |
If you go to a doctor who gives you a prescription to go to
the drug store to buy medicine from the pharmacist, we will pay
for the medicine up to a maximum 30-day supply. We will NOT pay
for refills of medications. |
IMPORTANT NOTICE: THIS IS A BRIEF SUMMARY OF
BENEFITS ONLY. FULL DETAILS ON BENEFITS, EXCLUSIONS AND LIMITATIONS
ARE FOUND IN THE STUDENTGUARD POLICY BOOKLET AVAILABLE FROM THE
INTERNATIONAL STUDENT ADVISOR OR STUDENTGUARD. POLICIES MAY ALSO BE
DOWNLOADED FROM THE
POLICY INFORMATION PAGE. THE ACTUAL POLICY WORDING GOVERNS.
What is not covered?
The website information provides a summary of exclusions ONLY,
please read your policy carefully for complete details.
- Contact lenses
- Glasses
- Treatment to maintain an ongoing condition (such as high blood
pressure)
- Medication to treat or maintain an ongoing condition (such as
high blood pressure)
- 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)
- Medications to maintain a chronic or ongoing condition.
- Any treatment required due to alcohol or drug abuse.
- Normal pregnancy-If your policy ends with an 'S' or an 'L' you
are covered by the Standard policy and there is no maternity
benefit. (Please refer to the Standard policy, page 8, Exclusion
#7). PLEASE NOTE: If your policy ends with 'UC' or 'CU' you are
covered by the College & University policy and have Maternity
coverage. (Please refer to pregnancy coverage, page #2 under this
policy).
