Plan Comparison - The Canadore College

Compare Plans

All full-time students who have paid the Extended Health Plan fee are automatically enrolled in the Balanced Plan unless you decide to choose the Enhanced Drug Plan or Enhanced Extended Health plan. Each option costs the same, so there is no cost to switch your plan.

Compare the plans below by clicking on a heading. Please refer to the policy wording for the full details on coverage, limitations, and exclusions.

Plan Overview

	Balanced Plan	Enhanced Drug Plan	Enhanced EH Plan
Policy Summary	Policy Summary	Policy Summary Policy Summary EnglishOpens a new window	Policy Summary Policy Summary EnglishOpens a new window
Prescription Drugs	Prescription Drugs 80% coverage, 20% co-pay. Maximum: $2,000 $10.50 dispensing fee	Prescription Drugs 90% coverage, 10% co-pay Maximum: $2,500 $10.50 dispensing fee	Prescription Drugs 65% coverage, 35% co-pay. Maximum: $1,000 $10.50 dispensing fee
Dental	Dental Only as a result of an accident Maximum $2,000	Dental Only as a result of an accident Maximum $2,000	Dental Only as a result of an accident Maximum $2,000
Extended Health	Extended Health Paramedical Practitioners: 80% coverage, 20% co-pay. $20 per treatment Maximum: $300	Extended Health Paramedical Practitioners: 80% coverage, 20% co-pay. $15 per treatment Maximum: $200	Extended Health Paramedical Practitioners: 100%, 0% co-pay. Unlimited per treatment Maximum: $400

Prescription Drug

Balanced Plan	Enhanced Drug Plan	Enhanced EH Plan
$2,000 maximum Coverage Details: 80% coverage, 20% co-pay. $10.50 dispensing fee. Drugs Covered: Most prescription drugs or medicines. Insulin injectables. Insulin supplies under pseudo din #910333. Oral contraceptives, the contraceptive patch, Nuva Ring and Mirena IUD (subject to a maximum of $150). Gardasil vaccine (subject to a maximum of $150 only when purchased at the Campus Health Centre).	$2,500 maximum Coverage Details: 90% coverage, 10% co-pay. $10.50 dispensing fee. Drugs Covered: Most prescription drugs or medicines. Insulin injectables. Insulin supplies under pseudo din #910333. Oral contraceptives, the contraceptive patch, Nuva Ring and Mirena IUD (subject to a maximum of $200). Gardasil vaccine (subject to a maximum of $150 only when purchased at the Campus Health Centre).	$1,000 maximum Coverage Details: 65% coverage, 35% co-pay. $10.50 dispensing fee. Drugs Covered: Most prescription drugs or medicines. Insulin injectables. Insulin supplies under pseudo din #910333. Oral contraceptives, the contraceptive patch, Nuva Ring and Mirena IUD (subject to a maximum of $100).

Dental

Balanced Plan	Enhanced Drug Plan	Enhanced EH Plan
Dental coverage is available, but only as a result of an accident (external force or blow to the mouth). $2,000 is the maximum coverage as a result of any one accident. For more details on how accidental dental coverage works, please refer to your policy wording.	Dental coverage is available, but only as a result of an accident (external force or blow to the mouth). $2,000 is the maximum coverage as a result of any one accident. For more details on how accidental dental coverage works, please refer to your policy wording.	Dental coverage is available, but only as a result of an accident (external force or blow to the mouth). $2,000 is the maximum coverage as a result of any one accident. For more details on how accidental dental coverage works, please refer to your policy wording.

Extended Health

Balanced Plan	Enhanced Drug Plan	Enhanced EH Plan
All benefits are covered at 80% unless otherwise indicated. Paramedical Practitioners Coverage is $20 per treatment to a maximum of $300 each policy year for the providers listed below: Combined services of a clinical psychologist or speech therapist, if recommended by a physician; Combined services of a naturopath or a chiropractor; Combined services of a registered massage therapist or podiatrist; if recommended by a physician; Services of a physiotherapist, if recommended by a physician. Orthopedic Supplies Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $200, if recommended by a physician, podiatrist or chiropodist. Orthopedic supplies as noted above must be dispensed by one of the following providers: orthotist, pedorthist, podiatrist or chiropodist. Orthopedic supplies must be dispensed by a different provider than the prescriber. Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible. When submitting your claim, be sure to include the following: your medical expense claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic. Ambulance Air or land ambulance service to the nearest hospital when an emergency requires immediate attention. Equipment Rental Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250. Medical Supplies Compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. Prosthetic Appliances Artificial limbs - loss, repair & replacement. Artificial eyes - one polishing or one re-making each year. Casts, splints, trusses, braces or crutches, including replacements when medically necessary. External breast prosthesis to a maximum of $200. Other Oxygen, blood or blood products and the equipment required for its administration. Treatment of a sickness by the use of radiotherapy or coagulotherapy. Laboratory tests done in a commercial laboratory for diagnosis of a sickness (excludes any tests performed in a physician’s office or pharmacy).	All benefits are covered at 80% unless otherwise indicated. Paramedical Practitioners Coverage is $15 per treatment to a maximum of $200 each policy year for the providers listed below: Combined services of a clinical psychologist or speech therapist, if recommended by a physician; Combined services of a naturopath or a chiropractor; Combined services of a registered massage therapist or podiatrist; if recommended by a physician; Services of a physiotherapist, if recommended by a physician. Orthopedic Supplies Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $200, if recommended by a physician, podiatrist or chiropodist. Orthopedic supplies as noted above must be dispensed by one of the following providers: orthotist, pedorthist, podiatrist or chiropodist. Orthopedic supplies must be dispensed by a different provider than the prescriber. Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible. When submitting your claim, be sure to include the following: your medical expense claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic. Ambulance Air or land ambulance service to the nearest hospital when an emergency requires immediate attention. Equipment Rental Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250. Medical Supplies Compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. Prosthetic Appliances Artificial limbs - loss, repair & replacement. Artificial eyes - one polishing or one re-making each year. Casts, splints, trusses, braces or crutches, including replacements when medically necessary. External breast prosthesis to a maximum of $200. Other Oxygen, blood or blood products and the equipment required for its administration. Treatment of a sickness by the use of radiotherapy or coagulotherapy. Laboratory tests done in a commercial laboratory for diagnosis of a sickness (excludes any tests performed in a physician’s office or a pharmacy).	All benefits are covered at 100% unless otherwise indicated. Paramedical Practitioners Maximum of $400 each policy year for the providers listed below: Combined services of a clinical psychologist or speech therapist, if recommended by a physician; Combined services of a naturopath or a chiropractor; Combined services of a registered massage therapist or podiatrist; if recommended by a physician; Services of a physiotherapist, if recommended by a physician. Orthopedic Supplies Charges for molded arch supports, orthopedic supplies and custom made orthopedic shoes are covered at 80% to a maximum of $200, if recommended by a physician, podiatrist or chiropodist. Orthopedic supplies as noted above must be dispensed by one of the following providers: orthotist, pedorthist, podiatrist or chiropodist. Orthopedic supplies must be dispensed by a different provider than the prescriber. Orthopedic supplies prescribed or dispensed by a chiropractor are not eligible. When submitting your claim, be sure to include the following: your medical expense claim form, referral pre-dating treatment, original paid-in-full invoice, gait analysis or bio-mechanical exam, and a description of the raw materials used in the construction of the orthotic. Ambulance Air or land ambulance service to the nearest hospital when an emergency requires immediate attention. Equipment Rental Charges for wheelchairs, walkers, hospital beds, traction kits which are rented for temporary therapeutic use. Repair to a wheelchair will be included up to a lifetime maximum of $250. Medical Supplies Compound serums, colostomy supplies, injectable drugs and varicose vein injections, if medically necessary. Prosthetic Appliances Artificial limbs - loss, repair & replacement. Artificial eyes - one polishing or one re-making each year. Casts, splints, trusses, braces or crutches, including replacements when medically necessary. External breast prosthesis to a maximum of $200. Other Oxygen, blood or blood products and the equipment required for its administration. Treatment of a sickness by the use of radiotherapy or coagulotherapy. Laboratory tests done in a commercial laboratory for diagnosis of a sickness (excluding tests performed in a physician’s office or a pharmacy).

Accident Benefits

Accident Benefits for All Plans

Life Insurance

In the event of death occurring as a result of an accident, the maximum benefit payable is $7,500.

Accidental Medical Expense

Up to a maximum of $15,000 for the services listed below:

Hospital charges.
Services of a nurse.
Services of a physiotherapist* or chiropractor* when recommended by a physician.
Services of a chiropodist, podiatrist, osteopath or speech therapist.
Medical equipment.
X-rays.

*Limits apply.

Accidental Dental Expense

Injury coverage to a maximum of $2,000.

Emergency Taxi

Licensed taxi covered to a maximum of $50.

Rehabilitation

Training for special occupation covered to a maximum of $5,000.

Repatriation

Transportation of the body of the deceased to the city of residence, covered to a maximum of $2,000.

Tutorial

Tutorial services at $20/hour up to $2,000.

Eyeglasses & Contact Lenses

Eyeglasses and contact lenses repair, replacement and purchase to a maximum of $100.

Home Modification & Vehicle Modification

Alterations and modifications to your home and vehicle are covered to a maximum of $10,000.

Hearing Aids

Covered to a maximum of $3,000.

Students must have received treatment from a qualified physician/dentist within 30 days from the date of an accident.

A completed accident benefits claim form must be filed directly to guard.me International Insurance within 90 days from the date of the accident, and no later than 1 year.

Out of province medical

If you are injured due to an accident outside your normal province of residence, we will pay the reasonable and customary charges for the following:

Services and supplies used by a hospital while you are confined as an in-patient in a standard ward or semi-private accommodation;
Services of a physician or anaesthetist;
Services of a nurse;
Diagnostic x-ray examination by a Physician;
Transportation by a licensed ambulance;
Rental of crutches, splints, trusses or braces. A splint, brace or truss used for sports or non-therapeutic purposes is not covered.

The maximum amount payable under this benefit is $10,000 for any one accident.
Reimbursement under this benefit shall not duplicate payment provided by any other part of the policy.

Coverage under this benefit starts on the date you leave your normal province of residence and terminates on the date you return to your normal province of residence.

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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.

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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.

Access support from anywhere and anytime

Download the TELUS Student Support App from either the Apple App Store or Google Play

Call 1.844.451.9700

Outside North America 001.416.380.6578

Chat directly with a Counsellor through the app.

Need more help: See Video

Visit www.keepmesafe.org to learn more!

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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

1. Sign Up At guard.me/mobiledoctorOpens a new window

You will need your policy number and date of birth.

Click here to SIGN UPOpens a new window

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

Cold & Flu

Coughs

Earaches

Hives

Infections

Pink Eye

Sinus Infections

Sore Throat

Urinary Tract Infections

Vomiting / Diarrhea

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

Submit a claim