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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 international.medical@bcit.ca.

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.

Please note that the information on this page does not apply to students starting the ISEP program, part-time programs and exchange and study abroad students staying at BCIT for a single term.

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 international.medical@bcit.ca 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.