guard.me specializes in meeting the needs of the international education sector. If you are under the age of 65 and departing from Canada as a student, faculty member, teacher, chaperone, or participant in an educational, business, or cultural exchange, guard.me Global Travel Insurance is for you. We even offer travel coverage for your spouse, parents, and children who are over the age of 15 days and under 19 years.

Did you purchase a guard.me policy online? If so, you’ll 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.

Did your institution arrange guard.me insurance on your behalf? If so, you should contact them directly for details about your policy and receiving your Healthcare Access Card and policy documents.

Does your plan include CAP membership (Crisis Response Program)? If so, you’ll receive a separate email from FocusPoint International with your account login. Details about your CAP membership will be available in your guard.me My Account.

Your coverage dates are available in your guard.me My Account and included on your Healthcare Access Card.

Absolutely! Coverage is effective everywhere in the world* except your home country. If you apply for insurance online, make sure to select the country where you will stay the longest.

*There is no coverage in countries or regions that are rated Avoid All Travel by the Government of Canada at the time of departure. Refer to your policy wording for details.

Yes. We offer coverage for your spouse, parents, and children who are over the age of 15 days and under 19 years.

If the option to add a dependent is not available on your institution’s guard.me  website, contact them directly to inquire about dependent coverage.

On the payment page, by selecting Credit Card, you can pay with VISA or Mastercard. By selecting PayPal, you can also select to pay with VISA debit cards or AMEX. To pay by PayPal, you do not need to have or create a PayPal account, you can always pay as a guest. If you have a PayPal account, you can also login and pay using this method.

The reason your card was declined is indicated in red on the decline message you receive when paying for your insurance. Please check your payment card status and number again and re-try. If the error message has nothing to do with the credit card itself, please click here to report this incident to us.

If you purchased a guard.me policy online, you can renew your policy through the same website. We recommend that you complete your purchase before your current policy expires, to avoid a gap in coverage that could affect your benefits.

If your institution has arranged guard.me insurance on your behalf, contact them directly for details about extensions.

If your institution arranged your policy, contact them directly to request a cancellation.

If you purchased your policy directly through a guard.me  website, you may only cancel your policy within 10 days of purchase. If you have not yet departed on your covered trip and there are no claims in process, you will receive a full refund. To cancel within the 10-day Right to Examine period, contact us at admin@guard.me.

If you purchased your policy through a guard.me website and your trip hasn’t yet started, contact us at admin@guard.me. Include your policy number and the new dates of your trip.

If your policy was arranged through your institution, contact them directly.

The summary below is a high-level overview. For a complete list of benefits, exclusions and important information, login to your guard.me My Account and download your policy summary and policy wording.

Benefit	Global Plan A	Global Plan B	Maximum
Hospital & medical			$2,000,000
Emergency dental			$300
Medical evacuation / return home			$2,000,000
Baggage / personal effects			$800
Lost or stolen passport or visa document			$300
Bedside visit			1 round trip flight + $500 for hotel
Third party liability			$1,000,000
Trip cancellation & Trip interruption		N/A	$5,000
Trip delay		N/A	$1,500

You can easily submit your claim online through guard.me  My Account. However, if you prefer to print your claim, make sure to mail the originals of all medical records and receipts, together with the signed claim form, to the address shown on the form (we recommend keeping a copy of all documentation for your own records):

guard.me Claims

Old Republic Insurance Company of Canada

P.O. Box 557, Hamilton, Ontario L8N 3K9

Old Republic Insurance Company of Canada

Direct dial (collect): 1-905-667-2540

Toll-free (Canada & USA): 1-877-640-9877

Email: guardmeclaims@oldrepublicgroup.com

Call the Canassistance 24-hour emergency hotline. Remember to provide your name, your policy number, your location and the nature of the emergency. You will be referred to the most appropriate service provider for your situation. Tell them you have a guard.me policy issued by Old Republic Insurance.

• Direct dial (collect) 1-905-667-0587
• Canada & USA 1-800-334-7787

Your CAP membership (Crises Response Program) entitles you to on-demand 24/7 access to international travel security specialists who can provide expert advice and, if necessary, coordinate in-country emergency response and assistance services, including security evacuation.

In any emergency, the CAP Advantage app provides remote alarm capabilities designed to secure your safety. Simply open the CAP Advantage app by FocusPoint International and press the Assist button. You can also contact the CAP 24-hour hotline at 1-619-717-8549 or send a text to 1-954-727-1916.

Your CAP membership (Crises Response Program) covers numerous events and situations, including:

• Political instability
• Natural hazards and disasters
• Terrorism and disappearance of persons
• New pandemics
• Extortion, violent crime, hijacking, and kidnapping
• Wrongful detention