Opt Out

As a current International Student studying at SFU, you will be enrolled in guard.me@SFU’s Insurance plan as of January 1, 2024. This plan is mandatory for students who are studying in Canada.

  • I am studying outside of Canada for the Spring 2024 term

If you are not in Canada, the guard.me@SFU 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 January 31, 2024.

  • I am studying in Canada for the Spring 2024 term

If you already have valid coverage through BC Medical Services Plan (MSP), are studying at SFU under a government sponsored scholarship program, you may be able to opt out of the guard.me@SFU Plan

If you qualify to opt out by the deadline, we will advise SFU of your eligibility and the charge will be reversed on your SFU account. The deadline to complete this opt out waiver is January 31, 2024.

You may be eligible for a refund of the unused portion of your insurance if you have not made a claim and there is at least 1 month of coverage remaining when you apply through guard.me. Your application for a partial reimbursement must be received by guard.me before the last month of the term e.g. before April 1, August 1, and December 1.

Eligible Plans

  • BC Medical Services Plan (BC MSP)
  • Canadian Bureau for International Education Health Care Plan
  • Canadian Commonwealth Scholarship and Fellowship Plan
  • Canadian International Development Agency Health Care
  • Canadian provincial or territorial public health plan
  • Embassy of Kuwait
  • Saudi Arabian Cultural Bureau

Proof of MSP must include a photo of your MSP card plus one of the following:

  • Letter that was issued with the MSP card, showing effective date
  • Current MSP bill showing effective coverage
  • Health Insurance BC confirmation of MSP enrollment letter

No additional document is required if MSP card is issued more than 3 months prior to start of the semester.

If you are waiting for your MSP card to arrive, you can submit a letter from BC MSP. The letter must include both start and end dates of your MSP coverage. To request the letter from MSP, please visit BC MSP page

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