International students receive mandatory 12-month health insurance while registered at Loyalist College. It is highly recommended that you purchase your own travel insurance while travelling and for time spent in Canada before the effective coverage dates listed below.
Your tuition payment as an international student includes the mandatory annual health insurance through Guard.me which is arranged automatically for registered students. Students who do not confirm with the International Centre that they are planning to arrive and begin classes will not be automatically registered for this insurance and therefore will not be covered. Medical attention can be extremely expensive in Canada, so it is very important to have this coverage.
Effective Coverage Dates:
September Intake September 1 – August 31
January Intake January 1 – December 31
May Intake April 29 – April 28
What is NOT covered?
The Guard.me policy is considered accidental/emergency healthcare coverage in Canada and does not cover every medical expense. It is very important as an international student that you read all the information related to your policy to understand what is and is not covered. Chronic conditions, pre-existing conditions, pregnancy along with others expenses are NOT covered as outlined on page 3 of the Guard.me Policy under ‘Exclusions’. We encourage students to review the Guard.me Benefit Summary and Orientation for more information.
As part of your Guard.me policy you can access the services of mobileDOCTOR which is a healthcare app for fast, convenient 24/7 access to a Canadian Doctor online. The mobileDOCTOR service is available for FREE for students who have an active Guard.me policy, you can download the app here: mobileDOCTOR App
Be sure to enter your correct policy number and date of birth.
MobileDOCTOR regularly treats common medical conditions such as:
- Eye/Ear Infections
- Allergic Reactions/Rashes
- Minor Injuries (such as sprains and burns)
- Sore Throats
- and many other medical conditions
COVID-19– Important Information For Insured Students In Canada:
It is very important for you to know that if your policy is valid, you are covered for all new and emergent conditions and medically necessary treatment, including COVID-19. You can check the dates of your coverage on your Guard.me ID card.
Coverage for COVID-19 does not include costs associated with self-isolation or a mandated quarantine. Private accommodation and day-to-day expenses (food and non-emergency transportation) are not eligible for reimbursement. Only new and emergent conditions and medically necessary treatments are eligible. This includes private-duty care by a qualified nurse if it is medically necessary and prescribed by a certified health professional.
Frequently Asked Questions
- Is health insurance expensive in Canada?
Medical insurance in Canada is very different and can be very expensive in Canada then in other countries around the world. The policy purchase is an investment in your health and can save you money should you need unexpected medical care. Your annual Guard.me policy is considered accidental and emergency care only.
- As a new student, how do I get my health insurance once I arrive in Canada?
Loyalist College will organize your health insurance policy on your behalf with an agency called Guard.me. An insurance card and policy number will be provided to you by email to your Loyalist College email account.
- How can I access my information about my Guard.me health insurance?
Once you have your Guard.me card, you can log-in and create your account at: guard.me/loyalist college. The Guard.me website allows you access to your health card and policy information independently.
- How do I know what my Guard.me health insurance policy covers?
Your health insurance policy information will be in your online Guard.me account once you register your health card along with information on the Loyalist College website. Be sure to also register for the Guard.me workshops as these are very important to understand how to access medical care and what your policy covers.
- Does Guard.me health insurance cover me for all of my health issues?
Guard.me policies do NOT cover all medical expenses. It is designed as accidental/emergency coverage only. It is important that you read all information provided regarding your health insurance policy, so you know what your coverage is and what is not. Pre-existing conditions are NOT covered.
- When can I start using my new health insurance?
Your policy will be effective on the first day of the month that you start classes at Loyalist College.
- What happens if my medical issue is not covered by Guard.me?
If a medical service you have accessed is not covered, you as the student are responsible for the cost. If something is not covered by the policy, you will receive an invoice and be required to make payment.
- What if I have a minor medical issue like a slight headache or a bug bite?
Drugstores in the community can help you find solutions for minor health issues. Pharmacists are trained to recognize and help you treat minor conditions. Non-prescription medications are available at the pharmacy for various health conditions and can be purchased depending on what you require. For minor medical issues, students are also encouraged to use mobileDOCTOR.
- Is there a way I can get an online appointment with a Doctor?
Guard.me provides the service mobileDOCTOR that allows you to access a doctor online 24/7 from your home. You can connect online with Canadian doctors on your phone or computer. This can help you save time by avoiding clinics or emergency services.
- I am arriving early to Canada before the month my classes start. Will I be covered for health insurance?
You will not be covered before the date your coverage is effective which is the first day of the month that your program is scheduled to begin eg: September 1, January 1 or May 1. We highly recommended that you purchase your own travel health insurance if arriving in Canada before your coverage date is effective.
- I have a medical condition that I had before traveling to Canada. Will I be covered by Guard.me health insurance?
Guard.me does not cover pre-existing conditions. We recommended that you have additional health insurance coverage and bring a one year supply of any medications required for your condition.
Loyalist’s Health Centre is staffed by a full-time registered nurse, support specialist and part-time attending physician. It provides comprehensive, high-quality and responsive health care services and coordinates the immunization clearance for students attending placements. If you need to see a nurse or doctor, you should go to the College’s Health Centre located in Room 1H7, or call 613-969-1913, ext. 2374.
For medical treatment, you can also visit one of the following Belleville medical clinics:
|Belleville Medical Clinics|
|Loyalist Health Centre
1st Floor, 376 Wallbridge-Loyalist Road
Belleville, ON K8N 4Z2
613-969-1913, ext. 2374
|Bayview Medical Clinic
274 Dundas Street East
Belleville, ON K8N 1E6
|Great Lakes Walk-In Clinic & Belleville Pharmacy
690 Sidney Street
Belleville, ON K8P 4A8
|Hastings and Prince Edward Counties Health Unit
179 North Park Street
Belleville, ON K8P 4P1
|Belleville General Hospital (Quinte Health Care)
265 Dundas Street East
Belleville, ON K8N 5A9