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Health Insurance FAQ

Frequently Asked Questions (FAQs) about health insurance for international students follows below.

Frequently Asked Questions

What health insurance will I receive?
  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.
How do I pay for the insurance?

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. View payment methods.

EXCEPTION: English for Academic Purposes students pay $240, for guard.me only, for 4 months only. Some cohort programs will require 13 or 14 months of insurance, at an additional cost of $60 for each month.

Is the insurance required?

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.

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

Generally, no.

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

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

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”.
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When does my coverage start?

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

How do I know my policy number?

guard.me: Each student will receive his or her own individual policy number. Each student will have a different policy number. Assiniboine will send guard.me a list of registered students approximately 30 days after the program start date. Guard.me will then email policy information to each student at the student’s Assiniboine Outlook email address.

Student VIP: All Assiniboine students will have the same group policy number. See “Group Policy” near the top of the website

Will I get a card?

You will not receive a hard copy card.

guard.me: The email you receive from guard.me will guide you about a “card” for printing.

Student VIP: See “benefits card” on the website here.

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

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.

For both guard.me and Student VIP: even after you have your policy number, some doctors/clinics will require you to pay them directly. You would then use the receipt to claim back to the insurance company.

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

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.