Welcome to guard.me FAQ's. Here are some valuable tips to questions we get asked most often.
Video answers to your questions
Does my guard.me cover prescription medication?
What is the difference between a Chronic-Ongoing vs. a Pre-Existing Condition?
How can I understand my policy? What does Eligibility mean and what is an Exclusion?
How do I submit a claim?
Do I need extra insurance if I am travelling to the US or out of country for the weekend, holiday or school break?
My plan is considered Emergency Medical Insurance. Does that mean I am only covered in emergencies?
What does Common Carrier mean?
How do I make a claim under the Annual Physician Visit Benefit?
What do I do if I am admitted to the Hospital?
What is a serious condition and what is a minor condition?
I need to see a specialist. How can I find one or make an Appointment?
When I should go to a clinic and when I should go to a Hospital?
How do I find a direct-billing clinic in my area?
What is the difference between the Provincial Health Insurance Plan and the guard.me policy?
What is a new Emergent Issue? What does that mean?
What is the difference between Primary Care and Secondary Care Practitioner?
guard.me insurance?Who can apply for
guard.me is designed specifically to meet the needs of the international education marketplace. Eligible applicants include:
- International Students
- Study Abroad
- School Faculty and Staff
- Exchange Programs and Camps
- Co-ops, Internships and Work Projects, Work and Study
- Dependants and Immediate Family Members when the student is also insured
If you are unsure, please contact us for more details.
How do I know when I am covered?
Once you apply and pay online, you have coverage. You will receive confirmation from us that your application has been processed and approved when we email you your paid invoice and ID Card.
Can I travel to another country?
Yes, you can travel to another country, but you are not covered in your Home Country. See your policy for details.
Does it take long to receive an ID Card?
If you applied online, your ID Card will automatically be sent to your email address within a few minutes of the application completion. 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.
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://desa02.guard.me/register.php.
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.
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 has nothing to do with the credit card itself, please click here to report this incident to us.