Health Insurance FAQ | Assiniboine Community College
Health Insurance FAQ

Q: What health insurance will I receive?

A: 1) guard.me for "primary care": doctor/clinic visits, hospital care, emergency treatment. Click here for coverage and claims information. AND

2) Student VIP for "extended care", services not covered by guard.me. Click here for coverage and claims information.  This is a service of your Students’ Association.

Q: How do I pay for the insurance? 

A: The college will add the fees to your account: $712.50 for guard.me and $240 for Student VIP.  The college collects these fees and sends the money to the two insurance companies on students' behalf.  These fees are for 12 months and will be valid even if you stop being a student during this time.  See payment methods here.

EXCEPTION: English for Academic Purposes students will pay $240, for guard.me only, for 4 months only.

Q: Is the insurance required?

A: Yes. ALL international students must purchase health insurance. If you are hurt or become ill, healthcare in Canada is very, very expensive, so you must have insurance.

Q: Can I get insurance from another company, and not pay these fees?

A: Generally, no. 

guard.me: The ONLY exception is if you can prove you have 1) Manitoba Health (MHSC) coverage (usually based on a spouse’s independent work permit). Provide written proof to Assiniboine International within 30 days after your program start date.

Student VIP: You will need to prove equivalent coverage within the "opt-out" period.  Contact the Assiniboine Community College Students' Association for more information.

Q: I already attended a school in Manitoba, so I have guard.me insurance.  Do I still need to pay at Assiniboine?

A: Yes, Assiniboine will add the fee to the Assiniboine account and will send your name and fee to guard.me. The insurance is not necessarily the same at another school, so the insurance does NOT transfer.

Q: When does my coverage start?

A: This will vary by program start date, but generally will start when your program starts.

Q: Will I get a card? 

A: Yes. Guard.me: Assiniboine will send guard.me a list of registered students.  guard.me will then email each student their card and information about coverage and claims. You will receive your card about 5 weeks after your program start date, BUT you have the insurance immediately.

Student VIP: You can receive a card from the Students' Association office.

Q: I haven't received my guard.me card yet.  I need to go to the doctor.  What should I do?

A: Go to the doctor. You may need to pay the doctor, but keep the receipt (proof of payment). When you receive your guard.me card, use that receipt to claim money back from guard.me using their website.

Q: Will every doctor and clinic accept the insurance?

A: No, not every doctor and clinic has agreed to "direct bill" to guard.me or Student VIP.  If it is NOT an emergency, you can check with the doctor/clinic first. 

But, you can pay the doctor/clinic, and use the receipt (proof of payment) to claim back to the insurance company for refund.

Also, guard.me offers the Mobile Doctor service; click here for information.

If your need is an emergency, DON'T WAIT!  Phone 911 for an ambulance.

Q: What happens if I don't pay the insurance fee?

A: You will still have the health coverage. However, the college will need to use your tuition payments to pay the insurance companies, so you will then owe the unpaid amount to the college as tuition. 

If you have any unpaid tuition as a result, you cannot register for new courses, apply to a new program, receive a letter of enrollment or completion, receive a transcript, or graduate from your program.

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