Types of Medical Insurance in Canada
Basic medical insurance
BC Medical Services Plan (MSP)
British Columbia has a public health care program called BC MSP that provides basic medical insurance coverage to residents of BC.
All residents of BC who stay over six months – including international students – are legally required to apply for MSP when they arrive and to maintain coverage throughout their period of residence in BC.
It is important to note that new arrivals to BC have a waiting period of 2-3 months before becoming eligible MSP coverage.
Incoming Exchange and Study Abroad students staying for only one term are not eligible for BC MSP.
See BC Medical Services Plan (MSP) for more detailed information and useful links.
Private medical insurance (Guard.me)
Basic medical insurance provided by a private insurance company is necessary to cover international students temporarily whenever they are not covered by BC MSP.
BCIT students are eligible for discounted medical insurance rates from Guard.me International Insurance – one of the world’s largest insurance providers in international education.
The process for purchasing or opting out of private medical insurance coverage varies depending on in which type of program you are studying.
See Private Medical Insurance for more detailed information.
Extended medical insurance
BCIT Student Association Health & Dental Plan
Other types of extended medical insurance
Various types of extended medical insurance may also be provided by an employer, through a parent or spouse, or can be purchased independently through an insurance company such as BCAA.