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Mandatory Basic Medical Insurance

Already opted-out of the Guardme Insurance?

If yes, you will be refunded after the opt-out deadline (January 31). It can take up to 1 month after the opt-out deadline for the refund to be processed.

Insurance

PDF icon KPU International Health Insurance Booklet

Please be sure to read the insurance requirements below for international students and incoming exchange/visiting students. Having the right medical and travel insurance is critical to avoid unnecessary financial burdens. Without insurance, medical and emergency care in Canada and abroad can be extremely expensive. KPU offers insurance services administered through guard.me:

International Students and Incoming Exchange/Visiting Students

I. Temporary Insurance Plan: All 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. Each student's name, student number, email, gender, and date of birth will be released to the insurer and plan administrators. Students will be enrolled in the plan for each semester until they can provide proof of coverage in the province's health care plan. This is coverage for basic medical costs and services and in addition to the KSA Extended Health and Dental Plans. 

*Incoming Exchange/Visiting Students please see additional important information below.

Semester

Coverage Start Date*

Coverage End Date

Opt-Out Deadline†

Fee‡

Fall 2018 (September)

September 1, 2018

December 31, 2018

September 30, 2018

$ 201.30

Spring 2018 (January)

January 1, 2018

April 30, 2018

January 31, 2018

$ 201.30

Summer 2018 (May)

May 1, 2018

August 31, 2018

May 31, 2018

$ 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.  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:
* Students are covered for the period shown, regardless of the first date of study.
† See Opting Out

For the Spring 2018 semester students will be charged $227.00 and will receive $25.70 as tuition credits back into their accounts.

For more information about the Temporary Insurance Plan, please contact KPU International (internationalstudents@kpu.ca). Review the details of Temporary Insurance Plan coverage here:PDF icon Guardme More Drug Card Summary English.pdf  

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

  1. PDF icon BC Medical Services Plan Letter
  2. PDF icon BC Services Letter AND BC Services Card

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. 

Opting Out

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 prior the Opt-Out deadline 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

It is important that you pay ALL your KPU fees, even if you want to opt-out, before the fee payment deadline to avoid being charged late fees. You will be charged late penalty fees if you do not pay on time. Please visit the fee payment deadline website for more information about late penalty fees.

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. Not paying these fees will impact your registration so please keep payment up-to-date.

The waiting period to receive BCMSP coverage is up to 3 months. Remember to opt out as soon as you receive proof of your coverage under BCMSP so you are not charged for the medical insurance for the next semester.  

II. BC MSP Coverage: For international 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 (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. For more information on how to apply online, please visit the BC MSP website. You will receive your BC Service Card and a confirmation of coverage letter in the mail with a bill for payment of the BCMSP monthly fees.

Important: 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.

Note: The British Columbia Services Plan (BCMSP) is a provincial government program.  Application and payment of monthly fees are separate from your KPU university fees.

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 the BCMSP. 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 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.

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.

KPU Temporary Medical Insurance Plan Contact Information

For claims assistance, please contact guard.me.

claims@guard.me

Please use the following emergency contact information:
1-888-756-8428 (Toll-Free North America)

1-905 731-8291 (Collect)

1-877-873-8447

info@guard.me

www.guard.me/kpu