Welcome to guard.me FAQ's. Here are some valuable tips for questions we get asked most often.


Q.Who can apply for guard.me insurance?


guard.me is designed specifically to meet the needs of the international education marketplace. Eligible applicants may include:

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

For more information on eligible applicants, please refer to the policy wording.

Q.How do I know when I am covered?


For students that apply and pay online, you will receive email confirmation with the details of your policy coverage. For students that are directly enrolled by the school; in some cases you will receive an email from us with your Policy ID Card; in others, the school will inform you of your enrollment being active.

Q.Can I travel to another country?


Your policy may have an excursion benefit that covers you outside of Canada. For complete details on the excursion benefit included in your policy, refer to the policy wording.


Q.Can I apply for a family member?


Yes, you can apply for your dependents using the online application form. Certain restrictions apply, please refer to the policy wording for eligibility requirements.


Q.I am graduating soon. Can I renew my guard.me Insurance?


Yes, as a recent graduate you are eligible to apply for guard.me Canada coverage.

You must apply within 30 days of your guard.me policy expiry date. If you miss the deadline, you will not be eligible to apply for graduate coverage. Before you apply, review the plan available to you, as it may not the same plan that you have had throughout school. There is a minimum purchase requirement, and the maximum you can purchase as a recent graduate is one (1) year.


Q.Does it take long to receive an ID Card?


If you applied online, you will receive an automatic email after you complete the online application. The email will include information on how to login to your guard.me account to access your ID card and policy details.

If you applied through your school, you will need to check with your school to receive your ID Card, or check your school's email account.

Q.I lost my ID Card, can I get a new one?


In order to retrieve your lost ID card, simply log in to My Account.
If you have not yet created your account, you can create an account using your contact information and policy number at https://www.guard.me/capilanou/register.

Q.How can I pay for Insurance?


On the payment page, by selecting Credit Card, you can pay with VISA or Mastercard. By selecting PayPal, you can also select to pay with VISA debit cards or AMEX. To pay by PayPal, you do not need to have or create a PayPal account, you can always pay as a guest. If you have a PayPal account, you can also login and pay using this method.

Q.My Credit Card was declined. What should I do?


The reason your card was declined is indicated in red on the decline message you receive when paying for your insurance. Please check your payment card status and number again and re-try. If the error message has nothing to do with the credit card itself, please click here to report this incident to us.

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