Private Medical Insurance: Full-time

International students starting regular full-time programs should submit a Medical Insurance Assessment Form 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.

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 always arranged for three entire calendar months, which should align with your waiting period for MSP coverage. Which three calendar months it will be 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 25th, then you would be automatically enrolled in coverage from March 1st - May 31st.

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 3rd, then you would be automatically enrolled in coverage from August 1st - October 31st.

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 & March
 February 11 - March 10  February, March & April
 March 11 - April 10  March, April & May
 April 11 - May 10  April, May & June
 May 11 - June 10  May, June & July
 June 11 – July 10  June, July & August
 July 11 – August 10  July, August & September
 August 11 – September 10  August, September & October
 September 11 – October 10  September, October & November
 October 11 – November 10  October, November & December
 November 11 – December 10  November, December & January
 December 11 – January 10  December, January & 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 5th and you will begin your program on January 7th 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 though 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 1st.

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 are not permitted.