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.
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.
In accordance with the outline described above, all benefits will terminate August 31st.
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).
All students may obtain coverage for their spouse and children by enrolling them in the Extended Health Plan prior to September 30th for the fall semester, and January 31st for the winter semester. 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.
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.
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.
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 Campus Ambassadors 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.
80 Allstate Parkway
Canada L3R 6H3
(905)752-6200 or Toll Free: 1-877-873-8447
General Inquiries Email:
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.
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.
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
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.
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.
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.
Doctors can diagnose and provide prescriptions as necessary during your consultation. Prescriptions can only be provided if you are in Canada. Please note only eligible prescriptions are covered.
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.
Please write to us at: