International Student Health Insurance

Frequently Asked Questions (updated October 5, 2018)

These questions and answers will continue to be updated. Please check back for new information.

Note that the guard.me website is currently under review. Some of the answers below will refer you to this website, so please check it again soon.
 

Who is the insurance provider?

MITT is pleased to announce their continued partnership with guard.me as provider of the MITT International Student Health Insurance plan, called “guard.me @ manitoba”.

The guard.me @ manitoba insurance plan has been specially designed to meet the needs of MITT’s international students, and provides full coverage for basic health care.
 

Is enrolment in and payment for this plan mandatory/compulsory/required?

Access to health care is very important to your wellbeing, and to your ability to learn. MITT has made enrolment in the guard.me @ manitoba plan mandatory/compulsory for all of our international students.
 

What is the cost for this plan?

The cost is $2.50 per day, and is non-refundable.

MITT is automatically charging all international students for an individual-coverage plan.

Related questions:

*UPDATED* What does this plan include/cover?

The guard.me @ manitoba plan is a comprehensive health insurance plan.  This plan provides you with coverage that is very close to what all Manitoban's receive through Manitoba Health.

Please carefully consider the following information as you make decisions about what level of care is best for your health and wellbeing.

The guard.me @ manitoba plan provides you with access to medical services for:

  • routine health care needs (annual exam/physical, cold, flu, etc.)
  • existing, chronic or new illnesses (diabetes, pregnancy, etc.)
  • serious illness (sudden and severe sickness, food poisoning, etc.)
  • emergency incidents and accidents (broken bones, cuts needing stitches, heart attack, etc.)

You can continue your routine care and monitoring of existing and chronic conditions by making appointments at a clinic or with your family doctor.

You are also covered for new illness or injury and may visit a clinic, your family doctor, or hospital to receive care.

Please note that, just like Manitoba residents, you should purchase additional coverage when travelling outside of Canada. You may want to purchase additional coverage when travelling outside of Manitoba. This plan does not provide you coverage in your home country.

The full policy details about this plan are available on the guard.me website - look for the PDF documents titled "Policy Wording" and "Policy Summary".  Students should refer to the information available from guard.me for a complete understanding of their coverage.

Important note: MITT is automatically charging all international students for an individual-coverage plan.  You may buy the same insurance plan for your family members and dependents directly through the guard.me website.  You are strongly encouraged to do this!

Related question:

How and when do I pay for this plan?

For post-secondary and post-graduate students:

  • Students admitted in Fall 2017, Winter 2018, Spring 2018 and Fall 2018:
    • By now, you should have received an email from enrolment@mitt.ca with these cost specific to you.
    • Your payment is due September 14, 2018.
  • Students beginning studies Winter 2019 and forward:
    • The cost for this plan will be listed with your tuition and will be due at the same time as your first tuition installment payment, usually 2 months prior to your program start date.

For ELI students:

  • You will be charged for and will pay for your insurance plan each time you pay for your next enrolment period.

    For example, if you are attending Level 2 in the September 2018 ELI term you will pay for your health insurance for that study period when you pay the September 2018 tuition. If you then plan to attend Level 3 in the January 2019 ELI term, you will pay your insurance for that study period when you pay for your January 2019 tuition.
     

When does my coverage under this plan start and end?

Enrolment in the insurance plan is based on your period of attendance.  Coverage does not begin until you arrive in Canada.

For post-secondary and post-graduate students in 1-year programs:

  • Students admitted in Fall 2017, Winter 2018, Spring 2018 and Fall 2018:
    • Insurance start date: September 1, 2018
    • Insurance end date: 30 days after your program end date
  • Students beginning studies Winter 2019 and forward:
    • Insurance start date: 30 days before your program start date
    • Insurance end date: 30 days after your program end date

Notes:

  • Students attending 2-year programs will pay for their first year of insurance coverage with the first tuition payment for Year 1, and will pay for their second year of insurance coverage with the first tuition payment for Year 2.
  • These details may be different for students receiving program extensions or re-applying for admission in order to complete missing program requirements.

For ELI students:

  • Start date: 7 days before your start date (note: this plan is in effect only after September 1, 2018)
  • End date: Usually 7 days after your end date (note: may be longer for some students, depending on session start and end dates)

    For example:
    • If you are attending Level 2 in the September 2018 ELI term:
      • Program start date: September 24, 2018
      • Insurance start date: September 17, 2018
      • Program end date: November 20, 2018
      • Insurance end date: December 7, 108
    • If you then attend Level 3 in the January 2019 ELI term:
      • Program start date: January 7, 2019
      • Insurance start date: December 31, 2018
      • Program end date: March 15, 2019
      • Insurance end date: March 25, 2019

What if I arrive before this coverage begins?

You may buy additional coverage directly through the guard.me website. Use the "Early Arrivals" link to do this.

Note: This will be a different insurance plan than the one offered through MITT.
 

What if I have a break in my studies where I am not covered by this plan?

You may buy additional coverage directly through the guard.me website. Use the "GAP Students" link to do this.

Note: This will be a different insurance plan than the one offered through MITT.
 

*UPDATED* How can I get insurance coverage for my family members and dependents?

You may buy the same insurance plan for your family members and dependents directly through the guard.me website.  Use the "Add a Dependent" link to do this.

Your guard.me insurance card is required before you can do this.  You should buy coverage for your family members and dependents right away after you have received this card.

Deadline to purchase family coverage:

  • Students admitted in Fall 2017, Winter 2018, Spring 2018 and Fall 2018: October 17, 2018
  • Students beginning studies Winter 2019 and forward: within 40 calendar days of the start date of your program

If your family members or dependents are arriving in Canada at a later date, you must purchase this coverage within 30 days of their arrival. You will need to provide proof of travel dates.

Related questions:

How can I get insurance coverage for items not included in this plan?

You may buy supplemental health coverage privately through other insurance providers.
 

*UPDATED* When will I get my insurance card?

MITT students will be registered in the guard.me @ manitoba plan after the deadline has passed for students choosing not to participate.

After you have been registered in the plan, your card will be emailed to you by guard.me within 2 to 3 business days. You may print this card to keep in your wallet or purse, and/or download it and keep a copy of it on your phone or computer.

Post-secondary students who started in Fall 2017, Winter 2018, Spring 2018 and Fall 2018 will receive their cards in early October.

September 2018 ELI students will receive their cards later in September.

You are still covered by the plan before you have received your card.

Important note:  Guard.me will email you using the email address we have on record here at MITT, so it is important that this information is correct. Log in to your Student Portal to view the information we have on record and update it if needed. This should be done at the start of your classes.

Related question:  'I require urgent/emergency medical attention and have not yet received my insurance card.  What do I do?'
 

*NEW QUESTION* Can I get my card early?

Student with children attending public school may request to be registered early for the plan.

To do this, please complete the Early Registration Form (PDF).

Please follow the instructions on the form and submit the form and required documents to 7 Fultz Blvd. or international.health@mitt.ca.

Related question:  'I require urgent/emergency medical attention and have not yet received my insurance card.  What do I do?'
 

What personal information is MITT providing to guard.me?

MITT will only provide guard.me with information that is required to enrol you in and to administer the insurance plan.  This includes your:

  • Student number
  • Student status
  • First and last names
  • Date of birth
  • Gender (male, female or other)
  • Country of origin
  • Start and end date
  • Email address

Important note:  It is very important that MITT has a valid direct email address on file for you.  You may verify and update your email address using your Student Portal.  This should be done at the start of your classes.
 

Will any other information about me be shared between MITT and guard.me?

In extremely limited cases, and upon your request, MITT may ask for your consent to discuss your care with guard.me.

Guard.me will share information with MITT about overall student use of this plan; no personal service-use information will be shared.
 

How do I access medical care?  I have questions about my health, who should I talk to?

There are a few ways to find the right service provider for you.

  • Winnipeg Regional Health Authority web pages:
  • guard.me website: https://www.guard.me/mitt
    Use this website to help you find a clinic based on your location.
     

*UPDATED* How do I get paid back for services I use? How do I submit an insurance claim?  Will clinics bill guard.me directly?

Students will be able to submit claims once they have received their insurance cards.  Many services providers will bill guard.me directly.

In some cases, students will have to pay for their service up front and submit a claim to guard.me to be paid back.  Students may also request an invoice, which can be submitted to guard.me and paid at a later date.

Insurance claims can be submitted on the guard.me website. This is also where you will find instructions for how to do this.

The guard.me website provides a list of clinics and service providers that will bill them directly.  Look for this information under Frequently Asked Questions (note: the guard.me website is currently being updated).
 

*NEW QUESTION* I require urgent/emergency medical attention and have not yet received my insurance card.  What do I do?

Your health card is not required in order to receive urgent medical attention at a hospital.  You may ask the hospital for an invoiceYou are not required to pay before receiving emergency treatment.

You may be required to sign a right of responsibilities document.  By signing this document, you are agreeing to accept and pay the invoice you are provided for the cost of your services.  You can submit the invoice to guard.me once you have received your health insurance care.

If you have been invoiced for urgent/emergency medical services, email us at interntional.health@mitt.ca with your name and student number.  We will work to ensure you receive your health insurance card as soon as possible.
 

I have questions about my insurance coverage, who should I talk to?

You may visit the guard.me website for answers to frequently asked questions, and to contact guard.me directly.

Important note:  Your relationship and file with guard.me is personal and private. MITT will not advocate for your coverage or individual needs with guard.me.
 

How will I know when my coverage expires?

Your insurance card will include the expiry date of your coverage.

Guard.me will email students a reminder as the termination date for their coverage is approaching.
 

Can I choose not to participate in this plan? What if I already have an insurance provider?

The guard.me @ manitoba plan is mandatory for all international students studying at MITT.

Some students may have Manitoba Health coverage through a working spouse or family member. Students with valid Manitoba Health coverage may request not to participate in this plan.

Alternative plans will not be considered, and cannot be used to request not to participate in this plan.
 

*UPDATED* I have valid Manitoba Health coverage for the duration of my studies.  How do I request not to participate in the guard.me @ manitoba plan?

Students with valid Manitoba Health coverage may request not to participate in the guard.me@manitoba plan.

To do this, please complete the Opt-Out Form (PDF).

Please follow the instructions on the form and submit the form and required documents to 7 Fultz Blvd. or international.health@mitt.ca by the required deadline.

*UPDATED INFORMATION* Opt-out deadlines:

  • For post-secondary students who started in Fall 2017, Winter 2018, Spring 2018 and Fall 2018: October 1, 2018
  • For post-secondary students starting Winter 2019 and forward: 30 calendar days from the start date of your program, as listed on your Letter of Acceptance
  • For ELI students: 14 calendar days from the start date of your program

Students attending 2-year programs must make this request each year.

Important note:  Students choosing not to participate in the guard.me @ manitoba plan are responsible for ensuring that their Manitoba Health coverage is valid for the entire duration of their studies at MITT.  MITT is not liable is situations where a student does not have health coverage because they have chosen not to participate in this plan by using a Manitoba Health card that is or has expired.  Once you opt out of this plan, there is no option to re-enrol.

Related question: 'How can I get a letter from Manitoba Health confirming my coverage?'
 

How can I get a letter from Manitoba Health confirming my coverage?

To request a letter confirming the end date of your coverage, contact Manitoba Health:

  • In person:
    Manitoba Health
    Client Registration
    1st Floor – 300 Carlton Street
    Winnipeg, MB
    R3B 3M9
     
  • By phone:
    204-786-7101 (general inquiries line)
     
  • By Email:
    insuredben@gov.mb.ca

Please allow a minimum of 7 days to receive your letter from Manitoba Health.
 

I have questions that aren't answered on this page or on the guard.me website, who should I talk to?

Please email international.health@mitt.ca with your unanswered questions.

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