It is important to always keep your guard.me Healthcare Access Card with you.
Direct billing: Healthcare providers in our network will not require you to pay upfront, and will bill guard.me directly for eligible medical expenses when a valid guard.me Healthcare Access Card is presented. This is called “direct billing”. All Sheridan Health Centres offer direct billing. To search for direct-billing clinics, please go here.
Non-direct billing: Some healthcare providers will require you to pay upfront. In this case, you must keep the receipts and submit a claim online to guard.me to get reimbursed for eligible expenses.
To ensure international students have access to healthcare while studying at Sheridan, health insurance coverage is mandatory, and students cannot opt out of or cancel this coverage.
If you officially withdraw from the college or transfer to another institution after the last day to withdraw from a Sheridan program with a partial refund, your health insurance coverage will not be cancelled, and fees will not be refunded. Your health insurance will remain valid until the expiry date indicated on the guard.me Healthcare Access Card.
To obtain copies of your Healthcare Access Card, policy wording or policy summary, you can log in to ‘My Account’ by going to My Account - Sheridan College | guard.me or by emailing email@example.com and including your student ID number in the email.
guard.me is designed specifically to meet the needs of the international education sector. Eligible applicants include:
If you applied through Sheridan College, you will receive an email confirmation on your school’s email account. This will include information on how to log in to your guard.me ‘My Account’ to access your Healthcare Access Card and policy details.
If you applied online through custom site, you will receive an automatic email after you complete the online application. The email will include information on how to log in to your guard.me ‘My Account’ to access your Healthcare Access Card and policy details.
The guard.me plan provides coverage for medically necessary eligible medical expenses incurred during your coverage period. Please review the general plan summary and wording if you have not received your policy yet.
Your policy is extended to cover Emergency medical expenses you incur during any excursions outside of Canada during Your Coverage Period. Certain limitations and exclusions may apply. Please refer to your policy wording for details.
If you purchased a guard.me policy online, you will receive an email confirmation with instructions on how to log in to your guard.me ‘My Account’ to access your policy details and download your Healthcare Access Card.
If your institution or agent has arranged guard.me insurance on your behalf, you may need to contact them for details about your policy and how/when you will receive your Healthcare Access Card and policy documents.
Yes, you can apply for your dependants at Dependents - Sheridan College | guard.me. Certain restrictions apply. Please refer to the policy wording for eligibility requirements.
Yes, as a recent graduate you are eligible to apply for guard.me Canada coverage.
You must apply within 30 days of your guard.me policy expiry date. If you miss the deadline, you will not be eligible to apply for graduate coverage. Before you apply, review the plan available to you, as it may not the same plan that you have had throughout school. There is a minimum purchase requirement, and the maximum you can purchase as a recent graduate is one (1) year.
This is the piece of paper showing the charges for your treatment and any payments made that the doctor or hospital gives you at the time of your visit.
IMPORTANT: For prescription medications (the kind that you get from the pharmacist at the back counter in a pharmacy or drugstore), you must submit the official prescription receipt that has the following information:
If you have paid for the medical services yourself, you are responsible for submitting your claim. Please refer to “How do I submit a claim”.
Submit your claim as soon as possible or within 30 days of the first medical expense.
For Direct Billing clinics: Upfront payment for seeing a physician will be required if you fail to provide a valid guard.me Healthcare Access Card or you present for an excluded condition and/or service.
For Non-Direct Billing clinics: Certain clinics/doctors/hospitals will ask you to pay for the services you receive. Hospitals will generally ask you to pay. The average cost for going to an emergency department starts at approx. $1,000. If you are asked to pay, you can either pay for the services or ask the hospital to mail you the invoice. You can then submit a claim, including the invoice and/or payment receipts to guard.me to get reimbursed for eligible expenses. Please make copies of all documentation submitted to us for your own personal file.
Please refer to “How do I submit a claim” for more information.
You can log in to your guard.me ‘My Account’ to find your policy number. It’s also printed on your guard.me Healthcare Access Card.
Your guard.me Healthcare Access Card functions as a prescription drug card. When filling a prescription medication, you can present your guard.me Healthcare Access Card at any drugstore or pharmacy. Upfront payment for prescription medications will be required if you fail to provide a valid guard.me Healthcare Access Card or the prescription is not a covered medication.
Yes. During a hospital visit, staff will ask for OHIP (Ontario Health Insurance Plan) or insurance coverage. You should present your guard.me Healthcare Access Card when you register at the hospital. You may be asked by the hospital to pay for the services provided, in which case, you can either pay for the services or ask the hospital to mail you the invoice. You can then submit a claim, including the invoice and/or payment receipts to guard.me to get reimbursed for eligible expenses. Please make copies of all documentation submitted to us for your own personal file.
You can submit claims by mail (post) or online through My Account. If you wish to submit your claim by mail, you will need to print your Healthcare Access Card, the bottom portion of which is a claim form, which you need to download from My Account, and include all original receipts or bills for your expenses. You may want to keep a photocopy for your records. You can submit claims online with digital copies of your receipts/invoices and track the status of your claims.
For claims inquiry and/or pre-approval, please email firstname.lastname@example.org. Prior authorization is required for any surgical procedure and all major diagnostic tests such as CAT scan, MRI, scopes, etc.
You need to call when you are:
guard.me offers 24/7 customer service available at email@example.com or 1-888-756-8428
You can speak to a doctor in minutes from the comfort of your home by going to mobileDOCTOR by guard.me. You may also go to a local pharmacy, walk-in clinic or doctor's office. If your condition requires a visit to the emergency department at the hospital, the doctor at the clinic or online will tell you. For major medical emergencies, such as broken arms/legs, accidents, or when you need to be taken to the hospital by ambulance, please go to your nearest hospital.
Ontario has a 24-hour provincial information line, staffed by registered nurses who can offer advice and help regarding your medical inquiry. You may call Telehealth Ontario for free at 1-866-797-0000.
You need to contact us as soon as possible to advise us of your claim.
guard.me is a leading provider of international student health insurance and, we’re so much more. That’s why, as a trusted partner for private and public universities, colleges, language schools and schoolboards, we created guard.meCARES, our innovative platform of health and wellness programs and services designed to mitigate risk, manage crisis events and improve health and wellness day-in and day-out.
guard.meCARES is more than a name; caring is at the heart of everything we do. It’s who we are and it’s why we are here. The philosophy of caring for students and our partners and giving back to the communities in which we do business is our guiding principle and what sets us apart from our competitors.
Our team of Real People delivers the personalized attention and culturally-sensitive Real Solutions clients need for Real Life. We offer expert assistance during times of crisis, innovative programs and digital resources that improve wellness, ongoing education and training for staff and educators through our Wellness and Learning Initiatives, with unparalleled customer support.
It’s a commitment to caring that every guard.me team member holds at their core and strives to deliver on each and every day. We do it not because we have to, but because guard.meCARES
keep.meSAFE’s innovative Student Support Program (SSP) helps students by promoting early intervention and 24/7 access to mental health support. We help students manage their mental health so they can fully participate in academic life and complete their studies. keep.meSAFE is the first support program to use linguistically and culturally matched licensed clinicians, providing your students a welcoming place where they are comfortable to seek help.
Studying at college or university whether in another country or another city can be a wonderful and exciting life experience. But it can also be a time of tremendous stress and isolation as you learn to navigate a new landscape and begin campus life.
The keep.meSAFE Mental Wellness Student Support Program is a support service available to eligible students that can help them with challenges faced when studying or living abroad. You can contact keep.meSAFE anytime – day or night – to speak with a Counsellor who has experience supporting the unique challenges students face.
Outside North America 001.416.380.6578
Chat directly with a Counsellor through the app.
Need more help: See Video
Visit www.keepmesafe.org to learn more!
keep.meSAFE is completely confidential within the limits of the law, so no one – including your family, friends, or professors – will ever know you used the program unless you choose to tell them
mobileDOCTOR by guard.me allows you to connect with Canadian doctors on Maple, a telemedicine company, as a part of your health benefits. Maple provides access to doctors, Canada wide, on your phone, tablet or computer anytime, anywhere.
Seeing a doctor on Maple is safe and reliable, and can help prevent the need to go to a walk-in clinic or Emergency Room.
When outside of Canada the mobileDOCTOR service connecting you to a Canadian doctor in real time remains available 24/7 for advice purposes only.
Click the “See The Doctor” button and a Maple doctor will respond to you in minutes. You can have your consultation by text, video, or audio chat.
Doctors can diagnose injuries and illnesses, write prescriptions, and provide lab requisitions, all within your consultation. Please note that only eligible prescriptions and lab requisitions are covered by guard.me and can only be provided if you are in Canada.
The Insurer, the Plan Administrator and/or the Claim Administrator are not responsible for the availability, quality or results of any Medical Treatment, or Your failure to obtain Medical Treatment or transportation and shall not be held liable for any negligence, wrongful acts or omissions of any service providers.
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