guard.me International Insurance
GuardMe Canada
Canada's most-used student health plan — partner of 300+ universities, mobile doctor included
✓ Visa Compliant
no upper age limit Age Limit
Last updated: April 27, 2026
What's Covered
Benefits and coverage details.
Included
Partner of 300+ Canadian universities — often pre-selected by your institution
Mobile Doctor (Maple) telemedicine included — talk to a Canadian-licensed doctor anytime
CAD $0 deductible on the standard plan
Covers the 3-month waiting period before provincial coverage (OHIP, MSP) begins
Strong claims track record — 90% of claims paid
Not Covered
Pre-existing conditions only partly covered — review the policy carefully
Lifetime cap of CAD 50,000 on psychiatric hospitalization
Annual eye exam and physical only included with 6+ month policies
Plan is sold via your university — direct individual purchase requires you to know your school's GuardMe portal URL
FAQ
Frequently Asked Questions about GuardMe Canada
GuardMe Canada costs CAD $1.93 per day for one person, which works out to roughly CAD $58 per month or CAD $704 for a full 365-day year. Family rates apply per person. Most universities pre-bundle the cost into their international student fee.
Over 300 Canadian colleges and universities have partnership agreements with GuardMe. The plan is comprehensive, integrates with school IT systems for instant enrollment, and covers the 3-month waiting period before provincial plans (OHIP in Ontario, MSP in BC) become effective. For these reasons, many institutions make GuardMe mandatory.
Yes. International students in Ontario are not eligible for OHIP at all, so GuardMe (or UHIP) is the primary coverage. In BC, there is a 3-month waiting period for MSP — GuardMe covers this gap. Most BC universities automatically enrol new students in GuardMe for the first 90 days for around CAD $170-190.
Yes. Outpatient psychotherapy is covered up to CAD 1,000 and inpatient psychiatrist fees up to CAD 10,000. Six trauma counselling sessions are included. Telemedicine via Mobile Doctor (powered by Maple) lets you talk to a Canadian doctor anytime — included free with every plan.
Most students buy through their university's customised GuardMe portal (e.g., guard.me/yourschool). If you do not have a school code, contact GuardMe customer care at +1-877-873-8447 or via guard.me/en/apply-for-insurance.html. Coverage is activated within minutes of payment.
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