guard.me Insurance

All registered international students at Centennial College are covered by a comprehensive health insurance plan offered through guard.me. This insurance is mandatory for all international students and is included in your fees. The health insurance policy provides coverage for emergency medical services that is valid all over the world, except your country of origin.

How do I get my card?

You will receive a PDF of your guard.me card in your myCentennial email 4 weeks after the beginning of your first semester. Sometimes, the email from guard.me goes to your Spam or Junk folder, so be sure to check there. You will not receive a physical card.

Even though you receive your card 4 weeks after the start of your first semester, you are covered from the first day of your first month. If you have to seek medical help before you receive your card, make sure you are familiar with what is covered. Keep all your receipts so that you may submit your claim online once you receive your card.

If you still do not find your policy information, please email sage@centennialcollege.ca from your myCentennial email or visit your International Education department with your student card.

Registering with www.guard.me

Once you have received your card, you should log in to your guard.me account. This is a good way to submit claims online, get more details of what is covered, find clinics near you and access more resources to stay healthy. Guard.me has already created an account for you, but you will need to follow these steps:

  1. Go to www.guard.me
  2. Click on My Account and login with your myCentennial email address
  3. Your temporary password was emailed to you from guard.me. If you do not know the temporary password, you can reset it by clicking on "Forget your password".
  4. Your new password will be emailed to your myCentennial email address. Use this to log in to your guard.me account.

When does my coverage begin and end?

Your coverage begins the first day of the month in which you are starting classes and ends on August 31. Keep in mind that you will not receive a card every semester.

For example, if you are beginning your program in the Fall semester, your coverage:

  • Begins September 1, 2018
  • Coverage ends August 31, 2019

*English Language Learning (ELL) students are covered only for the duration of their ELL program. Please refer to your admissions officer for further questions.

If you are arriving earlier and would like to purchase insurance for the extra days, please visit https://www.guard.me/centennial. Click on Early Arrivals and follow the on-screen instructions.

What if I lose my guard.me card?

No worries! To obtain copies of your card or, simply log on to www.guard.me, and follow the easy instructions to re-print your card.

What is covered under guard.me?

To learn more out about your guard.me health insurance plan, log in to your account at www.guard.me and download the policy information. View a summary of what is covered.

Tip: Prior to receiving expensive treatment (e.g. being admitted to the hospital) or diagnostic testing (e.g. MRI or CT scans), it is advisable to call guard.me to ensure that it will be covered.

How do I use my card?

If you are receiving treatment or a service that is covered by your guard.me policy, you can go to any healthcare provider. Some providers do "direct billing" - which will not require you to pay them an they will charge guard.me directly. Some providers who do not do direct billing will require you to pay them; in this case, you must keep the original receipts and submit a claim to guard.me to get reimbursed for the eligible charges (refer to your benefit summary to see what is eligible for reimbursement under your health plan).

At every doctor visit, make sure to bring your:

  • guard.me health card
  • Photo identification
  • Money to pay for the visit (if clinic is not “Direct Billing”)

How do I get my money back from guard.me?

If you end up going to a healthcare provider that does not do direct billing, you will need to pay them yourself. Be sure to keep all receipts. You will now need to submit a claim to guard.me in order to be reimbursed for the eligible charges.

How do I make a claim?

For claims under $2,500, you can make a claim quickly and easily by logging in to your account at www.guard.me. You may also watch this video for detailed steps.

You will need:

  • Your policy or certificate number as it appears on your guard.me card
  • Your date of birth
  • Scanned receipts
  • Scanned medical records             

How to mail in my claim?

If your claim is over $2500, you will need to mail in the claim to guard.me. Start the process by logging in to your guard.me acocunt and selecting the "mail-in" option. Follow the on-screen instructions.

How do I get in touch with guard.me?

You may email them at claims@guard.me or call the emergency assistance numbers below. Multilingual help is available 24 hours a day, 7 days a week.
From within North America: 1-888-756-8428
Around the world: 905-731-8291 (call collect)

How do I purchase guard.me insurance for my spouse and/or children?

If you are a current Centennial student and would like to purchase insurance for your spouse and/or children, you can do so through the guard. me website.

Be sure to familiarize yourself with what is covered under the policy before purchasing.

Why do I need health insurance anyway?

Healthcare costs in Canada can be quite high and it is crucial that you are covered under a comprehensive insurance plan during your time here.

Examples of medical cost in Canada without insurance:

  • Visit to a doctor or a specialist = $60 - $300
  • Ambulance service = $250 - $900
  • Emergency room visit = $500 - $1,500
  • Overnight stay in hospital per night = $2,000 - $4,000
  • Broken arm = $3,000+
  • Appendix surgery = $16,000+