Health Insurance for International Students

The cost of health care in Canada is very high for those who do not have health insurance. Without coverage, you could be denied treatment or pay thousands of dollars each day for medical services.  In order to ensure medical issues do not cause financial difficulty or compromise academic progress, all Justice Institute of BC (JIBC) students are required to have comprehensive coverage for the entire duration of their studies.

New international students coming to JIBC will be automatically enrolled in JIBC's temporary medical insurance plan through guard.me upon registration in classes of their first semester.  guard.me gives you the peace of mind that you are in good hands, in case an unforeseen event happens while you are away from home.

Coverage begins on the first day of the month before the start date of a semester.  Note: Students will be enrolled in the plan for each semester until they provide proof of coverage in the province's health care plan.

International students enrolled in part-time, online or continuous intakes are not automatically enrolled in JIBC's temporary medical insurance plan.

We also strongly recommend that family members residing with you in Canada also have comprehensive coverage that can be purchased at an additional cost through this plan.

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The Temporary Medical Insurance Plan

The temporary medical insurance plan, guard.me, provides emergency medical insurance coverage for international students and covers the required medical services to address new and unexpected illnesses or injuries.

Coverage

If you, your insured partner or your insured child has a new sickness or injury that first occurs AFTER the start date of your policy, your policy will cover these expenses:

  • mobileDOCTOR 
    We pay for virtual medical care through mobileDOCTOR. Click HERE to register.
  • DOCTOR/PHYSICIAN 
    We will pay for doctor's visits to treat a new emergent condition in a doctor's office or clinic. We will pay the doctor when you need to go to the Emergency Room.
  • EMERGENCY ROOM 
    When the doctor says you need to go to the hospital, or you need emergent medical care outside the regular clinic or office hours, we will pay for treatment at an Emergency Room (ER) at the Hospital.
  • EMERGENCY TRANSPORTATION 
    Ambulance - When you are unable to get to a hospital for an emergent condition, we will pay for an ambulance to take you to and from a hospital or medical clinic.
    Taxi - When you are unable to get to a hospital for an emergent condition, we will pay for a taxi fare to take you to and from a hospital or medical clinic.
  • DIAGNOSTIC TESTS 
    When the doctor says you need minor tests (such as lab work, x-rays, or ultrasounds) to diagnose your new condition, we will pay for these tests. For major tests such as "cat" or "CT scans" and "MRI's," you must call the assistance line first before you have the tests done.

  • HOSPITAL
    If you need to stay in the hospital, we will pay for all associated inpatient costs.
  • DENTAL 
    Coverage for dental work for the relief of acute pain and suffering.
  • ACCIDENTAL DENTAL 
    If you are hit in the mouth or are in an accident and your own teeth are damaged, we will pay to repair or replace those teeth.
  • WHEN ELIGIBLE 
    Please refer to the full policy wording for terms and conditions.
  • PRESCRIPTION MEDICINES 
    If you go to a doctor who gives you a prescription to go to the drug store to buy medicine from the pharmacist, we will pay for the medicine up to a maximum 30-day supply. We will NOT pay for refills of medication visits.

Please note: This is only a brief summary of benefits. Full details on benefits, exclusions and limitations are found in your guard.me policy. The actual policy wording governs. Refer to the Travel Medical Insurance Policy - Summary and the Travel Medical Insurance Policy for more detailed information about the benefits of the plan.

What is NOT Covered (Exclusions)

This is a summary of exclusions ONLY, please read your policy carefully for complete details.

  • Treatment or medication to maintain a chronic, ongoing condition (such as high blood pressure)
  • Unstable Pre-existing conditions (please refer to the policy for details)
  • Plastic or cosmetic surgery or procedures
  • Any expenses before coverage starts or after coverage has expired
  • Medical services provided in your home country
  • Extreme activities such as bungee jumping, skydiving etc.
  • Medications available without prescriptions (over-the-counter or OTC medicines)
  • Any treatment required due to use or misuse of alcohol or drugs.

For more information, please review the Frequently Asked Questions here: mobileDOCTOR FAQs

Enrolment

All full-time international students are automatically enrolled in the temporary medical insurance plan upon registration at the JIBC.  Once enrolled, you will receive an ID Card and policy information from guard.me by email.

Payment

All international students are automatically enrolled in the temporary medical insurance plan and will be charged a fee of  $203 that will be added to your JIBC student account upon registration.

Instructions for how to pay tuition and student fees are available on the Registration page of the JIBC website.

You can make a payment in person or through wire transfer through the Registration Office, as noted below:

Registration Office
New Westminster Campus
715 McBride Boulevard
New Westminster, BC  V3L 5T4

Hours: Monday, Tuesday, Wednesday and Friday: 8:00 a.m. - 4:00 p.m.
             Thursdays - 9:30 a.m. - 4:00 p.m.

Email:  register@jibc.ca

Phone: Monday, Tuesday, Wednesday and Friday  - 8:15 a.m. - 3:45 p.m.
             Thursdays - 9:30 a.m. - 3:45p.m.

             604.528.5590 Greater Vancouver

             1.877.528.5591 Toll-Free (North America only)

Add A Dependent

International students who have been automatically enrolled in the guard.me JIBC plan and have received their ID Card and policy information from guard.me, can purchase additional coverage for their dependents.

Visit the guard.me/JIBC website, click “Dependents” and follow the instructions to purchase emergency medical insurance coverage for family members who will accompany you to Canada.

You can only submit the form to purchase additional coverage for your family members after you receive an ID Card and policy information for your own coverage.

Arriving Early

If you will arrive in Canada before your coverage is effective, visit the guard.me/JIBC website, click “Arrive Early” and follow the instructions to purchase additional emergency medical insurance coverage.

 

Opting Out

Required Documents

You are able to opt-out of the temporary medical insurance and receive a 100% refund provided you submit proof of one of the following:

1. MSP Enrolment Letter showing proof of medical coverage AND BC Services Cardor

2. BC Services Card issued more than 90-days before the start of the semester.

For option one, both the BC Services Letter and the BC Services Card have to be submitted. If only one of the documents is submitted, the opt-out application will be denied. To obtain the BC Services Letter (also known as a Confirmation of Coverage letter) phone BC MSP at 1-800-663-7867. The letter takes about two weeks to arrive by mail.

If you are covered by one of these plans, follow the “OPT OUT” link below and have the associated fee removed from your student account.  You can only opt out once you have received your ID Card and policy information from guard.me and before the opt out deadline as noted below for that semester.  

Opt Out Deadlines/Fees

Semester

Coverage 
Start Date

Coverage 
End Date

Opt-Out 
Deadline

Fee

Fall

September 1

December 31

September 20

$203

Spring

January 1

April 30

January 20

$203

Summer

May 1

August 31

May 20

$203

Disclaimer: Each student's name, student number, email, gender, and date of birth will be released to the insurer and plan administrators.

It is important that you pay ALL your JIBC fees, even if you want to opt-out, before the fee payment deadline to avoid being charged late fees. You will be charged late penalty fees, if you do not pay on time. Please visit the fee payment deadline webpage for more information about late penalty fees.

Until you opt out, you will continue to be enrolled in the JIBC temporary medical insurance plan as long as you are a student at JIBC and related fees will be assessed on your student account. Not paying these fees will impact your registration, so please keep payment up-to-date.

The waiting period to receive BC MSP coverage is up to three months. Remember to opt out as soon as you receive proof of your coverage under BC MSP so you are not charged for the medical insurance for the next semester.  

British Columbia Medical Services Plan (BC MSP) Coverage

For international students who are planning to stay in the province of British Columbia for more than six months, it is mandatory that you enroll in the BC MSPYou must apply within the first ten days of your arrival in BC. The waiting period to receive this coverage is up to three months. As soon as you receive proof of your coverage under BC MSP, please opt-out of the JIBC temporary medical insurance plan. For more information on how to apply online, please visit the BC MSP website. You will receive your BC Service Card and a confirmation of coverage letter in the mail with a bill for payment of the BC MSP monthly fees.

Important: Your BC MSP coverage expires the same day your Study Permit expires. So, it is extremely important that you update your status in Canada with BC MSP after you renew Study Permit. You can update your status with BC MSP online by clicking here.  The British Columbia Services Plan (BC MSP) is a provincial government program.  Application and payment of monthly fees are separate from any JIBC fees.

 

Medical Insurance Requirements for Exchange/Visiting Students

All incoming exchange students will be required to enroll w/ Guard.me International Insurance.

Students staying for more than 6 months

For visiting and exchange students who are planning to stay in the Province of British Columbia for more than six months, it is mandatory that you enroll in the British Columbia Medical Services Plan (BCMSP). You must apply within the first ten days of your arrival in BC. For more information on how to apply online, please visit the BC MSP website.

Students staying for one semester

Students staying for one semester will be enrolled in the temporary medical insurance plan and will receive all the benefits listed.  They do not need to apply for or show proof of coverage through BC MSP as the duration of stay is not long enough to be eligible for BC MSP. Students should simply review their coverage under the JIBC temporary medical insurance plan.

Outgoing Students (Exchange/Field Schools/Other)

All outgoing students are required to have insurance coverage for the duration of their time abroad. If you do not have international travel insurance coverage, you can purchase insurance through the JIBC Insurance Plan guard.me or other insurance providers.             


JIBC Temporary Medical Insurance Plan Contact Information

For information on the temporary medical insurance plan, please contact JIBC Office of International Affairs at international@jibc.ca

For claims assistance, please contact guard.me.

General Information: info@guard.me

Claim Information: claims@guard.me 
 

Phone: 1-888-756-8428 (Toll-Free North America)
1-905 731-8291 (Collect)                                                                                                                                                       
1-877-873-8447

JIBC guard.me page: www.guard.me/JIBC

Last updated March 25, 2020