FAQs

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

Insurance

Q.Who can apply for guard.me insurance?

A.

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?

A.

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?

A.

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.Does it take long to receive my ID Card?

A.

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 documents.

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 have questions about my insurance coverage, who should I contact?

A.

If you have questions about your coverage, you can contact us for assistance. You can find our contact information here.

Dependents

Q.Can I apply for a family member?

A.

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

Graduates

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

A.

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.

Claims

Q.What do I do if I have an emergency?

A.

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

Other

Q.What if I already have insurance?

A.

Alternative plans will not be considered and cannot be used to request not to participate in this plan.

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

A.

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?

A.

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/louisriel/register.

Q.How can I pay for Insurance?

A.

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?

A.

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.

Opt Outs

Q.I have valid Manitoba Health coverage for the duration of my studies. How do I request not to participate in guard.me?

A.

Some students may have Manitoba Health coverage through a working spouse or family member. Students with valid Manitoba Health coverage may request not to participate in the guard.me plan.

You can view a sample here.

 

 

 

Important note:  Students choosing not to participate in the guard.me plan are responsible for ensuring that their Manitoba Health coverage is valid for the entire duration of their studies. The school and guard.me are not liable in situations where a student does not have health coverage because they have chosen not to participate in this plan by using a Manitoba Health card that is or has expired.

Q.I have valid Manitoba Health coverage for part of my studies. Can I request not to participate in the guard.me plan?

A.

Some students may have Manitoba Health coverage through a working spouse or family member now, but it will end before their program ends. Students with valid Manitoba Health coverage may request delayed enrolment in the guard.me plan.

If you are waiting on a letter from Manitoba Health, please submit the form and a copy of your Manitoba Health card as soon as possible to your school. You can submit the letter separately once you receive it.