apply for insurance | Students with MSP
Why should I purchase guard.me’s Top-up coverage?
In the Province of British Columbia, international students attending NU with study permits are eligible to apply for BC-MSP
(government health insurance) and will receive this coverage after a 90-day wait-period.
Government health insurance provides comprehensive coverage but, it does not cover everything.
Most people in BC supplement and enhance their provincial coverage by purchasing additional private coverage. The guard.me BC Plus
Top-Up plan that NU has identified for its students provides benefits that have been carefully designed and selected, with the unique
needs of international students in mind. The benefits in the policy will complement and supplement the coverage available through the
provincial plan.
For example, most outpatient prescriptions for new and emergent conditions will not be covered by BC-MSP. The government health
insurance plan will also not cover expenses related to emergency dental claims, physiotherapy, or if you leave Canada for a vacation or
conference.
NU strongly recommends that its students in BC purchase the additional coverage when they have successfully transitioned to BC-MSP.
Dependents are also eligible if the primary policy holder has active coverage. The cost of the guard.me BC Plus Top-Up plan is $36.60 CND
per month with a minimum purchase of six-months ($219.60 CDN). Ongoing coverage is available, provided the policies are purchased
consecutively and there is no gap in coverage.
The following list provides some important examples of how the guard.me Top-Up plan will cover you when BC-MSP does not:
- Prescription Medication: 100% of eligible charges to a maximum 30-day supply; unlimited when hospitalized. MSP – no coverage for
prescriptions.
- Outpatient psychological care: 100% of eligible charges up to $1,000 for outpatient psychiatrist or psychologist care. MSP – no
coverage.
- Physiotherapy and Speech Therapy: eligible charges up to $1,000; unlimited if provided as inpatient service; MSP – no coverage.
- Accessibility: 100% of eligible charges up to $1,000 for disabled students' Corrective Device Defects, Malfunction and Theft
Protection. MSP – no coverage.
- Eye-exam: Up to $100 for one non-emergency eye exam. MSP – no coverage for routine eye-exams for ages 19-64.
- Emergency Dental: 100% of eligible charges up to $4,000 for emergency dental treatment as the result of an injury caused by an
accidental blow to the mouth. 100% of eligible charges up to $600 for relief of pain and suffering. MSP – no coverage.
- Emergency Transportation: Taxi fare to or from a hospital or medical clinic up-to $100. MSP – no coverage.
- Medical Equipment and Supplies: 100% of eligible charges for crutches, canes, wheelchairs, walkers, casts, etc. Not to exceed
the purchase price. Limits apply. MSP – no coverage.
- Paramedical: BC-MSP first, thereafter only those eligible charges up to $500 for Chiropractor, Acupuncturist, Naturopath,
Chiropodist /Podiatrist.
- Accidental Death and Dismemberment: eligible for up to a maximum of $50,000 (Common Carrier, $100,000). MSP – no coverage.
- Out-of-Country: All eligible expenses anywhere in the world. Coverage in USA limited to 30 days. No coverage in home country
(exclusion applies) unless part of school or training program. MSP – offers limited coverage and recommends private insurance.
- Family Transportation: 100% of eligible charges for a family member to join you at your bedside if hospitalized for more than
7 days. Limits apply. Prior approval from the Claim Administrator required. MSP – no coverage.
- Air Evacuation and emergency return to your home country: 100% of eligible charges to a maximum of $300,000 to transport you to
the nearest hospital in your Home Country.
- Repatriation of deceased: Up to $15,000 toward the cost of preparation and return to your Home. MSP – no coverage.
Please refer directly to the extended policy wording for the detailed description of the benefits in this policy and the exclusions,
limits, and maximums that may apply.
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