Opt Out
As a current International Student studying at Memorial University of Newfoundland, you will be enrolled in the Foreign Health Insurance Plan provided by Guard Me as of May 1, 2024. The foreign health insurance plan is mandatory for registered international students studying at Memorial University.
I am studying outside of Canada for the Spring 2024 term
If you are not in Canada, the Foreign Health Insurance plan is not available to you and you MUST OPT OUT by completing the Out of Canada Waiver in order to receive a credit to your Student Account. The deadline to complete this opt out waiver is May 20, 2024.
I have MCP and want to transfer to a student union managed health plan
You are eligible to opt out from the foreign health insurance plan and be automatically enrolled in your student union health plan if you are a full-time student (excludes undergraduate students on a work term and Intensive English Program Students) with valid MCP (must be valid from at least May 1 and beyond May 20, 2024). Student union health coverage is intended to supplement valid provincial health care coverage.
Note:
- Graduate students are only eligible to opt out in their first semester or Fall semester unless they could not meet opt out deadlines due to delay/ineligibility of MCP coverage dates
- Medicine students are only eligible to opt out in Fall semester
- MI students are not eligible to opt out in Spring
- If you are an undergraduate student on a work term in Spring 2024, you are not eligible to opt out online. For opt out instructions, see https://www.mun.ca/international/students-and-alumni/health-insurance/opting-out-of-the-foreign-health-insurance/#workterm
- If you are part time student, you are not eligible to opt out
- If you are an Intensive English Program Student, you are not eligible to opt out
To opt out, you must attest to holding a valid MCP and you must provide the start and end date of MCP coverage. MCP must be valid on or before May 1, 2024, valid beyond May 20, 2024 and subject to renewal. This opt out is valid for the remainder of the 2023-2024 academic year (September-August). You will need to opt out again in Fall 2024, if eligible. The deadline to complete this opt out and transfer is May 20, 2024.
I have Alternative Coverage Accepted by Memorial University
If you already have valid coverage through the Libyan Scholarship program administered by CBIE or the Interim Federal Health Plan as a refugee claimant, you may opt out of the Foreign Health Insurance. To opt out, you must attest to holding a valid acceptable alternate coverage and you must provide the start and end date of this coverage. This opt out is valid for the remainder of the 2023-2024 academic year (September-August). You will need to opt out again in Fall 2024, if eligible. The deadline to complete this opt out is May 20, 2024.
*Please note that charges for your Foreign Health Plan will not be removed from your account until the end of May provided you have successfully completed the opt out process on this site.
About Us
Real People. Real Solutions. Real Life.
guard.me is a leading provider of international student health insurance and,
we’re so much more. That’s why, as a trusted partner for private and public universities, colleges, language
schools and schoolboards, we created
guard.meCARES, our innovative
platform of health and wellness programs and services designed to mitigate risk, manage crisis events and improve health
and wellness day-in and day-out.
guard.meCARES is more than a name; caring is at the heart of everything we
do. It’s who we are and it’s why we are here. The philosophy of caring for students and our partners and giving
back to the communities in which we do business is our guiding principle and what sets us apart from our competitors.
Our team of Real People delivers the personalized attention and culturally-sensitive
Real Solutions
clients need for
Real Life. We offer expert assistance during times of crisis, innovative programs and digital
resources that improve wellness, ongoing education and training for staff and educators through our Wellness and Learning
Initiatives, with unparalleled customer support.
It’s a commitment to caring that every
guard.me team member holds at their core and
strives to deliver on each and every day. We do it not because we have to, but because
guard.meCARES
Mental Wellness Student Support Program
keep.meSAFE’s innovative Student Support Program (SSP) helps students by promoting early
intervention and 24/7 access to mental health support. We help students manage their mental
health so they can fully participate in academic life and complete their studies. keep.meSAFE
is the first support program to use linguistically and culturally matched licensed clinicians,
providing your students a welcoming place where they are comfortable to seek help.
Program Features
Full integration with on-campus resources
Master’s level counsellors experienced in supporting domestic and international students
Access to a counsellor who understands their culture in their preferred language
Immediate and fully confidential support 24/7, through chat and telephone, as well as ongoing support
Free My SSP app with direct access to counsellors and self directed multilingual resources
Outcomes based success measures to report on results
Did you know?
50%
50% of students have felt overwhelming anxiety, making it hard to succeed academically
31%
31% of post-secondary students have felt so depressed that it was difficult to function
Want more information?
Contact our keep.meSAFE sales team,
christinewach@keepmesafe.org
www.keepmesafe.org
If this is an emergency, please call 911 immediately.
Get support when you need it most
Studying at college or university whether in another country or another city can be a wonderful and exciting life experience.
But it can also be a time of tremendous stress and isolation as you learn to navigate a new landscape and begin campus life.
The keep.meSAFE Mental Wellness Student Support Program is a support service available to eligible students that can help
them with challenges faced when studying or living abroad. You can contact keep.meSAFE anytime – day or night – to speak with
a Counsellor who has experience supporting the unique challenges students face.
Provides you with confidential support
keep.meSAFE is completely confidential within the limits of the law,
so no one – including your family, friends, or professors – will ever know you
used the program unless you choose to tell them
Talk to a keep.meSAFE Counsellor who
- Is available 24/7 and at no cost to you
- Keeps your information confidential
- Understands your culture
- Speaks your language
Get help and advice about anything
- Being successful at school
- Relationships with friends and family
- Language and cultural barriers
- Anxiety and stress
- Balancing work and school
- Adapting to new cultures
mobileDOCTOR by guard.me allows you to connect with Canadian
doctors on Maple, a telemedicine company, as a part of your health
benefits. Maple provides access to doctors, Canada wide, on your
phone, tablet or computer anytime, anywhere.
Seeing a doctor on Maple is safe and reliable, and can help prevent
the need to go to a walk-in clinic or Emergency Room.
When outside of Canada the mobileDOCTOR service connecting you
to a Canadian doctor in real time remains available 24/7 for advice
purposes only.
How It Works
2. Apply account coverage for family members
To add insured family members, click on “Patient Profiles” from the dashboard.
In “Account Settings” under the “Coverage” tab, add the relevant guard.me policy numbers.
3. Chat With A Doctor
Click the “See The Doctor” button and a Maple doctor will respond to you in minutes.
You can have your consultation by text, video, or audio chat.
4. Get a diagnosis, prescription, or lab requisition
Doctors can diagnose injuries and illnesses, write prescriptions, and provide lab requisitions, all within your consultation. Please note that only eligible prescriptions and lab requisitions are covered by guard.me and can only be provided if you are in Canada.
What Can Be Treated
Sign up today at guard.me/mobiledoctorOpens a new window
mobileDOCTOR - How To Video
Limitation on Liability
The Insurer, the Plan Administrator and/or the Claim Administrator are not responsible for the availability,
quality or results of any Medical Treatment, or Your failure to obtain Medical Treatment or transportation
and shall not be held liable for any negligence, wrongful acts or omissions of any service providers.
Do you need more information?
Please write to us at:
claims@guard.me
