Notice: temporary changes to our private medical insurance for international students starting full-time programs
Until further notice, Guard.me private medical insurance coverage dates for newly admitted international students will be determined by the arrival date indicated in your mandatory BCIT Travel & Self-Isolation Plan. Once you submit your plan, an International Student Centre staff member will email you with more information about medical insurance.
If you have any questions about this, please contact firstname.lastname@example.org.
Medical Insurance Assessment Forms & Opting Out
International students starting regular full-time programs should submit a Medical Insurance Assessment Form [PDF] by the deadline stated on their conditional letter of acceptance. This form will help to determine if a student already has adequate medical insurance or not.
If an international student does not already have adequate medical insurance, then they will be charged a non-refundable $180 fee and enrolled in three months of private basic medical insurance through Guard.me International Insurance.
See Opt Out for more information.
Regular months of enrolment for Guard.me temporary private medical insurance
Guard.me coverage is generally for three entire calendar months, which should align with your waiting period for MSP coverage. When your coverage will start depends on your program start date.
If your program start date falls within the 11th to 31st day of a month, then you will be automatically enrolled in coverage starting from the beginning of that month. For example, if your program starts on March 29, then you would be automatically enrolled in coverage from March 1 – May 31.
If your program start date falls within the 1st to 10th day of a month, then you will be automatically enrolled in coverage starting at the beginning of the previous month. For example, if you your program starts on September 7, then you would be automatically enrolled in coverage from August 1 – October 31.
Please see the table below for the “default” formula that we use to determine which three months you would be automatically enrolled in.
|Program starting date range||Months of Guard.me coverage|
|January 11 – February 10||January, February and March|
|February 11 – March 10||February, March and April|
|March 11 – April 10||March, April and May|
|April 11 – May 10||April, May and June|
|May 11 – June 10||May, June and July|
|June 11 – July 10||June, July and August|
|July 11 – August 10||July, August and September|
|August 11 – September 10||August, September and October|
|September 11 – October 10||September, October and November|
|October 11 – November 10||October, November and December|
|November 11 – December 10||November, December and January|
|December 11 – January 10||December, January and February|
Option to change your months of coverage
If you will arrive in the month that your program starts AND your program start date falls within the 1st to 10th of a month, then you should notify us so that we can change your Guard.me coverage months to align with the months of your actual MSP waiting period.
For example, if you will arrive in BC on January 5 and you will begin your program on January 7 then you must notify us so that we can arrange Guard.me coverage for the months of January through March. If you do not notify us then you would be charged and enrolled automatically for the months of December through February, and then you would still have to pay extra for coverage during the month of March since you wouldn’t be eligible for MSP benefits until April 1.
You can notify us to change your months of coverage by sending an email to email@example.com with all of the following information:
- Your full name
- Your BCIT student number
- Your program and starting date at BCIT
- Your planned date of arrival in BC
The deadline for changing you coverage months is 45 days before your program start date. After that, changes may not be permitted.