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

Like wearing a helmet when you ride a bike or putting a lock on your locker, insurance is a form of risk management that you may never need but you'll be glad you have if something bad happens.

In the case of health insurance, the insurer covers the cost of eligible unexpected medical treatments, x - rays, and medicines.Like any contract, it is important to read your guard.me policy and understand specifically what is covered and what is not.

Whether it's a sprained ankle or life-threatening injury or illness, one in 10 students will suffer a "serious safety or health incident" while studying abroad, according to a 2009 study at one major North American university.

No one ever expects to get sick or experience a serious health hazard. That’s why insurance is important to have in place before you head off to study or work at an international educational institution. It’s one less thing to worry about.

You may have medical or other health coverage at home, but most plans do not include coverage outside of your home country. That’s important to know because health care can get very expensive, very quickly, when you are abroad. For example:

  • One visit to the doctor and a prescription can cost $150 dollars.
  • Visiting a hospital emergency room can result in a $1000 charge .
  • Being hospitalized can cost you up to $3,200 per day.
  • Staying in a hospital for 10 days can easily cost $35,000. So, paying a little now can save you a lot of money and stress if something goes wrong later.

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

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

Once you apply and pay online, you will receive confirmation from us that your application has been processed and approved when we email you your paid invoice and 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.

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

While some plans may be cancelled, others may have some restrictions. Please contact your school and/or agent or refer to the policy wording for more details.


You can log in to your account to find your policy number or you can check your guard.me ID card.

In the event of an emergency, we are ready to assist you 24-hours-a-day. Please click here for emergency Assistance numbers.

You must submit a fully completed Claim Form in order for us to pay for your expenses. The Claim Form must clearly state why you went to the doctor. If there is no indication of why you saw the doctor, your claim cannot be processed. You must also include all original receipts or bills for your expenses. You may want to keep a photocopy for your records, but we must receive the originals. Please click here to submit your claim online.

Please complete the Claim Form and submit as soon as possible.

No, for minor emergencies you do not need to call. Just complete the Claim Form including your policy number and date of birth, making sure to tell us why you saw the doctor, and either submit online or send it in with the original bills or receipts.

If you have paid for the medical services yourself then you are responsible for submitting your claim. Please click here for online claims submission.

The piece of paper showing the charges for your treatment and any payments made that the doctor or hospital gives you at the time of your visit is your original.

IMPORTANT: for prescription medications (the kind that you get from the Pharmacist at the back counter in a pharmacy or drug store) we must have the receipt that has the following information:

  • Your name
  • The name of the doctor who prescribed the medicine
  • The name and 'DIN number' of the drug

If you have paid for medical services, then the doctor does not need to sign the form. You can complete and sign the Claim Form yourself. The doctor only needs to sign the Claim Form when they are directly billing guard.me.


You can speak to a doctor in minutes from the comfort of your home by going to mobileDOCTOR by guard.me. You may also go to a local pharmacy, walk-in clinic or doctor's office.If your condition requires a visit to the emergency room at the hospital, the doctor at the clinic will tell you.For major medical emergencies, such as broken arms / legs, accidents, or when you need to be taken to the hospital by ambulance, please go to the nearest hospital.You need to call us as soon as possible to advise us of your claim.Please click here for emergency Assistance numbers.

Certain clinics/doctors/hospitals will ask you to pay for the services you receive. Hospitals will generally ask you to pay. (Average costs for going to an Emergency Room begin at approx. $1000 dollars.) If you are asked to pay, please ask for a receipt. Original receipts must be submitted with a completed Claim Form in order to receive your refund. Please make copies of all documentation submitted to us for your own personal file.

You do not need to call before going to the emergency room, but you may wish to call us so we can speak to the hospital regarding payment. If you are admitted to the hospital (staying overnight or longer) please call us.

You need to call:

  • When you are being admitted to the hospital to stay
  • When you are having major tests called 'CAT scans' or 'MRI's'
  • When you are at the dentist
  • When you need to have surgery


Yes. You can ask your school to request a new ID Card or you can log in to your account and print a new ID Card.

If you can't find the answer you're looking for, contact us by filling in the form below.

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