FAQs
Welcome to guard.me FAQ's. Here are some valuable
tips for questions we get asked most often.
Insurance
Q.Am I covered? What is the effective date of my coverage?
A.
Registered full-time students will be automatically enrolled in the Extended Health Plan effective September 1st, or January 1st, depending on which semester you begin your studies. If you withdraw from your classes and are no longer a student at Canadore College, you are no longer eligible to participate in the Extended Health Plan and your coverage will be cancelled. This is effective immediately upon the date of your withdrawal.
Q.What are my Plan Options?
A.
All full-time students who have paid the Health Plan Fee are automatically enrolled in the Balanced Plan. To choose a plan other than the Balanced Plan (you can select either the Enhanced Drug Plan or Enhanced EH plan) please click on “choose a plan”.
Once you have made a decision and are ready to chose the option that best suits your needs, follow the simple steps on the website to register in the option you have selected. If you do not choose a different option, you will remain enrolled in the Balanced Plan.
The window to choose a different plan is only open from September 1st to September 30th for September-start students and from, January 1st to January 31st for January-start students.
Should you choose the Enhanced Drug Plan or Enhanced EH Plan option this will remain your student Extended Health Plan for the duration of the policy year.
Q.What is the termination date of my coverage?
A.
In accordance with the outline described above, all benefits will terminate August 31st.
Q.How can I find my policy number?
A.
Your guard.me policy number is always 11 characters, composed of 9 digits followed by letters "CD".
To find your policy number, use your Canadore College student ID number in the following way:
- If it begins with A, replace the A with 0 and add "CD" at the end
- If the total characters are less than 9, then add 0 at the start to make the total number of digits 9, and add "CD" at the end
Examples:
If your student ID # is 7654321, your policy number would be 007654321CD
If your student ID # is A87654321, your policy number would be 087654321CD
Dependents
Q.Can I enroll my dependents?
A.
All students may obtain coverage for their spouse and children by enrolling them in the Extended Health Plan. The deadline to add dependents is September 30 for September-start students; January 31 for January-start students. You will be asked to pay the appropriate fee at that time. You may also apply for dependent coverage directly online by going to the “Add a Dependent” prior to the deadline dates noted above.
If you have chosen the Enhanced Drug Plan or the Enhanced EH Plan options, your family will be enrolled in the same option and will be eligible for the same benefits that you have chosen. There will be no option to purchase coverage for dependents after the deadline.
For definition of the dependent please refer to the policy wording.
Opt Outs
Q.What if I am already covered?
A.
You may opt-out (decline coverage) from the Extended Health Plan by September 30th for September-start students, and January 31st for January-start students. Please click on the opt-out page and complete the online opt-out form.
You will be asked to provide a declaration that indicates that you are covered by a different provider (i.e. as a dependent under your parent’s or spouse’s insurance) and that you understand that, once you opt-out, you will no longer be eligible for the benefits in the Extended Health Plan. When you opt-out you will be asked the provide the name of the other provider.
Please note that you will not be able to opt-out at any other point during the school year (i.e. if you are a September-start student you will not be able to opt-out from the plan during the January window).
Claims
Q.What is a co-insurance payment?
A.
The coinsurance factor is the percentage of an eligible expense that is covered by the policy holder and the percentage of the eligible expense that will be reimbursed by the plan. For example, under the Balanced Plan, the prescription drug coinsurance factor is 80%, therefore you would be responsible for 20% of the cost of the eligible prescription drug. This is called the co-pay. For example, if your prescription costs $50, your co-pay will be $10. It is important to know that your plan does outline the maximum benefits allowable in any given year. These details are available in your policy wording.
Q.How can I add a beneficiary?
A.
You can add a beneficiary by logging into your guard.me account, clicking on "add a beneficiary" and then completing the simple steps outlined on the electronic form.
About Us
Real People. Real Solutions. Real Life.
guard.me is Canada’s leading provider of health insurance to
international students who are studying in Canada, and to students, staff and faculty who travel or study
internationally. Providing international students with comprehensive, affordable coverage that is backed
by a student-friendly experience is guard.me's priority.
Providing exceptional coverage, support, and travel assistance to outbound international travelers is our
privilege.
guard.me
offers the same comprehensive, student-friendly approach to Domestic students through our Extended Healthcare
plans for Canadian students. Students with a provincial health card at participating schools will be eligible
to benefit from an Extended Health Plan that has been designed to meet your unique requirements.
As a trusted partner to colleges and universities, language schools, and school boards,
guard.me leads the
industry in our standard of customer care and the emphasis we place on innovation and compassion.
guard.me is a Canadian company that understands the unique needs of its policy holders, no
matter where you live, where you are going, or what kind of academic program you are registered in.
guard.me provides policies that are tailored to your specific needs, the duration of your study or
travel period, and the challenges that you may face.
At guard.me,
we believe that good health and wellness is a foundation for success and helps you reach your goals.
guard.me cares deeply about you, your dependents, and
your future. That is why we provide wrap-around services, like the keep.me SAFE Student Support Program,
the iCent Student App, the guard.meCARES Ambassador Program, expert
assistance at times of crisis, travel assistance and risk mitigation tools, and our 24/7 multilingual
Customer Care Centre for day-to-day support.
Mental Wellness Student Support Program
keep.meSAFE’s innovative Student Support Program (SSP) helps students by promoting early
intervention and 24/7 access to mental health support. We help students manage their mental
health so they can fully participate in academic life and complete their studies. keep.meSAFE
is the first support program to use linguistically and culturally matched licensed clinicians,
providing your students a welcoming place where they are comfortable to seek help.
Program Features
Full integration with on-campus resources
Master’s level counsellors experienced in supporting domestic and international students
Access to a counsellor who understands their culture in their preferred language
Immediate and fully confidential support 24/7, through chat and telephone, as well as ongoing support
Free My SSP app with direct access to counsellors and self directed multilingual resources
Outcomes based success measures to report on results
Did you know?
50%
50% of students have felt overwhelming anxiety, making it hard to succeed academically
31%
31% of post-secondary students have felt so depressed that it was difficult to function
Want more information?
Contact our keep.meSAFE sales team,
christinewach@keepmesafe.org
www.keepmesafe.org
If this is an emergency, please call 911 immediately.
Get support when you need it most
Studying at college or university whether in another country or another city can be a wonderful and exciting life experience.
But it can also be a time of tremendous stress and isolation as you learn to navigate a new landscape and begin campus life.
The keep.meSAFE Mental Wellness Student Support Program is a support service available to eligible students that can help
them with challenges faced when studying or living abroad. You can contact keep.meSAFE anytime – day or night – to speak with
a Counsellor who has experience supporting the unique challenges students face.
Provides you with confidential support
keep.meSAFE is completely confidential within the limits of the law,
so no one – including your family, friends, or professors – will ever know you
used the program unless you choose to tell them
Talk to a keep.meSAFE Counsellor who
- Is available 24/7 and at no cost to you
- Keeps your information confidential
- Understands your culture
- Speaks your language
Get help and advice about anything
- Being successful at school
- Relationships with friends and family
- Language and cultural barriers
- Anxiety and stress
- Balancing work and school
- Adapting to new cultures
mobileDOCTOR by guard.me allows you to connect with Canadian
doctors on Maple, a telemedicine company, as a part of your health
benefits. Maple provides access to doctors, Canada wide, on your
phone, tablet or computer anytime, anywhere.
Seeing a doctor on Maple is safe and reliable, and can help prevent
the need to go to a walk-in clinic or Emergency Room.
When outside of Canada the mobileDOCTOR service connecting you
to a Canadian doctor in real time remains available 24/7 for advice
purposes only.
How It Works
2. Apply account coverage for family members
To add insured family members, click on “Patient Profiles” from the dashboard.
In “Account Settings” under the “Coverage” tab, add the relevant guard.me policy numbers.
3. Chat With A Doctor
Click the “See The Doctor” button and a Maple doctor will respond to you in minutes.
You can have your consultation by text, video, or audio chat.
4. Get a diagnosis, prescription, or lab requisition
Doctors can diagnose injuries and illnesses, write prescriptions, and provide lab requisitions, all within your consultation. Please note that only eligible prescriptions and lab requisitions are covered by guard.me and can only be provided if you are in Canada.
What Can Be Treated
Sign up today at guard.me/mobiledoctorOpens a new window
mobileDOCTOR - How To Video
Limitation on Liability
The Insurer, the Plan Administrator and/or the Claim Administrator are not responsible for the availability,
quality or results of any Medical Treatment, or Your failure to obtain Medical Treatment or transportation
and shall not be held liable for any negligence, wrongful acts or omissions of any service providers.
Do you need more information?
Please write to us at:
claims@guard.me