guard.me plans

guard.me covers emergency health conditions that first start after you buy your insurance coverage.

IMPORTANT: WE WILL NOT PAY FOR YOUR DOCTOR'S VISITS OR ANY OTHER MEDICAL EXPENSES IF YOU ARE SICK, HURT OR KNOW THAT YOU WILL NEED TO SEE THE DOCTOR WHEN YOU BUY YOUR INSURANCE.

Our Insurance covers you in case you become sick or injured, NOT when you are already sick or hurt. We do not pay for expenses for an illness or sickness that you already had before the start date of your policy, or for routine doctor's visits or treatments.

Please fill in the information below to view the generic policy wordings and summaries based on where you are and where you are travelling.

If you have a dept code or access code enter it below to view the specific documents for the given code.

If you already have a policy with us, please enter your policy number to view your specific policy wordings


WHAT IS COVERED? (certain limitations apply)

If you, your insured partner or your insured child has a new sickness or injury that first occurs AFTER the start date of your policy,
your policy will cover these expenses:

  • DOCTOR/PHYSICIAN
    We will pay for doctor's visits to treat a new urgent condition in a doctor's office or clinic. We will pay the doctor when you need to go to the Emergency Room.
  • EMERGENCY ROOM
    When the doctor says you need to go to the hospital, or you need urgent medical care outside regular clinic or office hours, we will pay for treatment at an Emergency Room (ER) at the Hospital.
  • AMBULANCE
    When you are unable to get to a hospital for an urgent condition, we will pay for an ambulance to take you there.
  • TESTS AND X-RAYS
    When the doctor says you need tests (such as blood or urine tests) or X-rays to diagnose your new condition, we will pay for these tests. FOR OTHER TESTS CALLED 'CAT' OR 'CT SCANS' AND 'MRI'S' YOU MUST CALL THE ASSISTANCE LINE FIRST BEFORE YOU HAVE THE TESTS DONE.
  • HOSPITAL
    If you need to stay in the hospital, We will pay for all hospital costs.
  • DENTAL
    Coverage for dental work for the relief of acute pain and suffering.
  • ACCIDENTAL DENTAL
    If you are hit in the mouth or are in an accident and your own teeth are damaged, we will pay to repair or replace those teeth.
  • PRESCRIPTION MEDICINES
    If you go to a doctor who gives you a prescription to go to the drug store to buy medicine from the pharmacist, we will pay for the medicine up to a maximum 30-day supply. We will NOT pay for refills of medications.
  • IMPORTANT NOTICE: THIS IS A BRIEF SUMMARY OF BENEFITS ONLY. FULL DETAILS ON BENEFITS, EXCLUSIONS AND LIMITATIONS ARE FOUND IN YOUR guard.me POLICY. THE ACTUAL POLICY WORDING GOVERNS

WHAT IS NOT COVERED? (Exclusions)

This is a summary of exclusions ONLY, please read your policy carefully for complete details.

  • Treatment or medication to maintain a chronic, ongoing condition (such as high blood pressure)
  • Unstable Pre-existing conditions (please refer to the policy for details)
  • Plastic or cosmetic surgery or procedures
  • Any expenses before coverage starts or after coverage has expired
  • Medical services provided in your home country
  • Extreme activities such as bungee jumping, skydiving etc.
  • Medications available without prescriptions (over-the-counter or OTC medicines)
  • Any treatment required due to alcohol or drug abuse.
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