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Due to COVID-19, KPU International has transitioned to providing all our services remotely.

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Health Insurance

COVID 19 UPDATE from Guard.me

There are important updates students on the Guardme websites.

For up to date information please visit www.guard.me or guard.me/kpu and read the headers with updated information highlighted in red at the top of the page. 

 

ANY INTERNATIONAL STUDENT WHO ARE STUDYING IN CANADA MUST HAVE HEALTH INSURANCE.

Guard.me will automatically enroll these students. 

Already opted-out of guard.me?

If yes, your refund will only be processed two weeks after the opt-out deadline (May 31). It is important that you pay ALL your KPU fees, even if you have opted-out, before the fee payment deadline to avoid being charged late fees. Please visit the fee payment deadline website for more information about late penalty fees.

 

 

Insurance

PDF icon KPU International Health Insurance Booklet

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International Students and Incoming Exchange/Visiting Students

Having medical insurance is critical to avoid unnecessary financial burdens. Without insurance, medical and emergency care in Canada and abroad can be extremely expensive.There are three different health insurances you should familiarize yourself: Temporary insurance (Guard.me), Provincial health insurance (BCMSP) and Extended Medical and Dental Coverage. Below are more details about these: 

I. Temporary Insurance Plan (Guard.me)

I. Temporary Insurance Plan: New international students coming to KPU will automatically be enrolled in KPU's Temporary Medical Insurance Plan upon registration in classes for their first semester. Coverage begins on the first day of the month before the start date of a semester. Students will be enrolled in the plan for each semester until they can provide proof of coverage in the province's health care plan. Review the details of  the Temporary Insurance Plan coverage here:  guard.me Benefits Coverage Summary 2019.pdf 

Note: International students in the Continuing & Professional Studies Program (CPS) are not automatically enrolled in KPU's Temporary Medical Insurance Plan. International students in these programs have to purchase guard.me medical insurance while they wait for their BC Medical Services Plan coverage to start. Please email internationalstudents@kpu.ca for instructions on how to purchase guard.me medical insurance

Semester

Coverage Start Date*

Coverage End Date

Opt-Out Period†

Fee‡

Fall 2021 (September)

September 1, 2021

December 31, 2021

September 9- September 30, 2021

$ 201.30

Spring 2021 (January)

January 1, 2021

April 30, 2021

January 13- January 31, 2021

$ 201.30

Summer 2021 (May)

May 1, 2021

August 31, 2021

May 18 - May 31, 2021

$ 201.30

New international students beginning studies at KPU during Session Two will be assessed the Temporary Insurance Plan at a flat rate of $100.  The coverage period begins on the first day of Session Two and ends on the Semester Coverage End Date.  Opting out will be handled solely by the carrier.

Notes:
† Between these dates students are able to opt out of their temporary health insurance. The portal may open early if students wish to check before these dates, however, the deadlines are set and cannot be moved. For more details on opting out please visit https://www.guard.me/kpu/optout/opt-out

For more information about the Temporary Insurance Plan, please contact KPU International (internationalevents@kpu.ca).

For claims assistance, please contact guard.me at claims@guard.me

Please use the following emergency contact information:
1-888-756-8428 (Toll-Free North America)   
1-905-731-8291 (Collect call)    info@guard.me  

mobileDOCTOR by guard.me

mobile1

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For more information, please review the Frequently Asked Questions here: PDF icon mobileDOCTOR FAQs

 

Opting Out from Guard.me

You are able to opt-out of the temporary medical insurance and receive a 100% refund for the current semester provided you submit proof of your British Columbia Medical Services Plan (BC MSP) coverage during the opt-out period for each semester. To opt-out of Guard.me, please visit www.guard.me/kpu, click on Current Students and then click on Opt Out

Until you opt-out you will continue to be enrolled in the KPU Temporary Medical Insurance Plan as long as you are a student at KPU and related fees will be assessed on your student account.

Proof of BC Medical Services Plan coverage can be demonstrated by submitting one (1) of the following options:

For option two, both the BC Services Letter and the BC Services Card have to be submitted. If only one of the documents is submitted, the opt-out application will be denied. To obtain the BC Services Letter (also known as a Confirmation of Coverage letter) phone BC MSP at 1-800-663-7867. The letter takes about two weeks to arrive by mail.

II. BC MSP Coverage

II. BC MSP Coverage: It is mandatory that international students who are planning to stay in the province of British Columbia for more than 6 months enroll in the British Columbia Medical Services Plan (BC MSP).  You must apply within the first 10 days of your arrival in BC. The waiting period to receive this coverage is up to 3 months. As soon as you receive proof of your coverage under BC MSP, please opt-out of the KPU Temporary Medical Insurance Plan(above).

 For more information on how to apply online, please visit the BC MSP website. You will receive your BC Service Card and confirmation of coverage letter in the mail with a bill for payment of the BC MSP monthly fees. BC MSP is a provincial government program. Application and payment of monthly fees are separate from your KPU university fees

Your BC MSP coverage expires the same day your Study Permit expires. So, it is extremely important that you update your status in Canada with BC MSP after you renew Study Permit. You can update your status with BC MSP online by clicking here.

You will need the following to update your status online:

  • A written explaining your status and your request for continuing coverage from the date your BC MSP may have stopped or expired.. Please remember to include your full name, the date, your personal health number, mailing address, email, phone number,
  • A copy of the IRCC PDF submission confirmation stating that they received your application to renew your study permit. 

If there is a gap between your BC MSP coverage, you need to find temporary private insurance. If you have any questions or need support regarding this process, please make an appointment with an advisor through AdvisorConnect.

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III. Extended Medical and Dental Coverage

III. Extended Medical and Dental Coverage: All international students (excluding incoming exchange students) at KPU are automatically enrolled in the KPU Student Association (KSA) Benefits Plan. This is a mandatory extended health and dental plan that supplements one of the two basic medical insurances above. It provides 12 months of coverage starting on the first day of the month the program of study begins. Please see www.kusa.ca for opting out procedures and for further information, or visit the Benefits Office in the KSA office on any campus

Important Information for Incoming Exchange/Visiting Students

Students staying for one semester

Students staying for one semester or less than six months do not need to apply for or show proof of coverage through BCMSP as the duration of stay is not long enough for the student to be eligible for BCMSP. Students should simply review their coverage under the KPU Temporary Medical Insurance Plan.

All incoming exchange students are required to enroll with Guard.me International Insurance.

Students staying for more than 6 months

For visiting and exchange students who are planning to stay in the Province of British Columbia for more than 6 months, it is mandatory that you enroll in the British Columbia Medical Services Plan (BCMSP). You must apply within the first 10 days of your arrival in BC. For more information on how to apply online, please visit the BCMSP website.

Outgoing Students (Exchange/Field Schools/Other)

All outgoing students are required to have insurance coverage for the duration of their time abroad. If you are part of the KSA extended health and dental plan, travel medical insurance is included as part of this plan. Please contact the KSA benefits office to determine whether or not this coverage meets your needs. If you are not a part of the KSA extended health and dental plan, you can purchase insurance through the KPU Insurance Plan guard.me or other insurance providers.

Faculty and Staff

For more information, please visit the SharePoint site for emergency travel assistance.