¶¡ÏãÔ°AV

is a short term primary medical insurance coverage. The goal of is to help transition you to Canada while you are waiting for your BC MSP. Since you are living in BC for more than 6 months, under the , you must apply for  upon arrival.

Your MSP will take effect after a 3 month waiting period (this includes the balance of the first month when you arrive in BC plus 2 additional months – for example, March 1, if you arrived sometime in December). ¶¡ÏãÔ°AV will not re-enroll you in the guard.me@¶¡ÏãÔ°AV plan in any subsequent terms.

You will receive a welcome email from guard.me@¶¡ÏãÔ°AV at the beginning of semester. This email will include a link to log into your account to view your policy details. You can view and download your Healthcare Access Card (HAC) which is your proof of insurance and will have your name, student number, policy number, and policy start and end date. You can also log in via Guard.me@¶¡ÏãÔ°AV .

This card can be used for direct billing at some pharmacies, medical clinics, and dental offices. Make sure to keep this for future reference as you will need it for direct billing or to submit a claim.  If you have not received an email from guard.me@¶¡ÏãÔ°AV, please contact them at customercare@guard.me.

To , visit their website. Click the appropriate category and follow the opt-out instructions. To see the opt out deadlines for guard.me@¶¡ÏãÔ°AV click here. Most exchange students are not eligible to opt out.

Note: changes may not be reflected right away.

When visiting any of the ¶¡ÏãÔ°AV Health Clinics, print out a copy of your Healthcare Access Card (HAC) from guard.me@¶¡ÏãÔ°AV website. The HAC is your proof of insurance containing your coverage information. They will collect a copy for each visit and will directly bill guard.me@¶¡ÏãÔ°AV on your behalf. No additional claim is required. You can search Guard.me preferred clinics near your location . These clinics will allow direct billing.

For clinics that do not allow direct billing, you will need to pay upfront for the visit. Keep copies of all your payment receipts. To submit a claim, please visit guard.me@¶¡ÏãÔ°AV to create an online account and upload copies of your receipts.

You may be eligible for a refund of the unused portion of your insurance if you have not made a claim and there is more than 1 month of coverage remaining when you apply through . Your application for a partial reimbursement must be received by guard.me@¶¡ÏãÔ°AV before the last month of the term (that is, before April 1, August 1 and December 1). If approved, your partial refund will be applied to your ¶¡ÏãÔ°AV account.

If you are a TSSU member, in addition to the above, ¶¡ÏãÔ°AV HR will reimburse you a portion of the Guard.me@¶¡ÏãÔ°AV fees you paid for the months while you waited for your MSP to become effective. For example, if your BC MSP becomes effective on November 1, ¶¡ÏãÔ°AV HR will reimburse you for September and October. This is a separate process from the cancellation of your Guard.me@¶¡ÏãÔ°AV coverage. Please contact tssubens@sfu.ca for further questions.

Students staying in BC for 6 months or longer are required to enrol in the British Columbia Medical Services Plan. There is a wait period of 2-3 months for newcomers, during which time the guard.me@¶¡ÏãÔ°AV plan will provide you with short-term coverage. 

BC MSP provides primary medical coverage such as:

• services provided by a doctor
• X-rays, lab tests (as required by a doctor) 
• emergency dental and oral surgery in hospital

To apply for BC MSP, complete the MSP Application online at .

You may also complete the  by mail and mail it directly to BC MSP.

If you are eligible, you can apply as soon as you arrive in BC. Please note there is a wait period of 2-3 months for new residents before your coverage begins. If you are a new international student at ¶¡ÏãÔ°AV, you will be automatically enrolled in guard.me@sfu plan for your first term while you wait for your BC MSP. 

If you are a returning student travelling back to BC, in order to be covered during the wait period you may purchase a private medical insurance plan. Please contact International Services for Students about temporary medical insurance options to cover the MSP waiting period. 

Once enrolled, BC MSP will mail you a BC Services Card along with an invoice to pay. Payments may be made monthly or in advance. Payments are made directly to BC MSP, not through ¶¡ÏãÔ°AV.

When visiting a health clinic or hospital, you will be asked to show your BC Services Card as proof of enrolment. You will not be required to pay for the visit, they will bill BC MSP directly.