International Student Health Insurance

Frequently Asked Questions (updated August 7, 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?

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 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:

What does this plan include/cover?

The guard.me @ manitoba plan is a comprehensive health insurance plan that will meet most of your regular basic medical needs while in Manitoba.

Just like Manitoba residents, you should purchase additional coverage when travelling outside of Canada. You m ay want to purchase additional coverage when travelling outside of Manitoba. This plan does not provide you coverage in your home country.

Coverage includes* items such as:

  • Doctor visits
  • Hospital visits
  • X-rays and lab tests
  • Chiropractor visits (maximum 7)
  • Pregnancy related health care
  • Transportation of family to bedside
  • Return home (situation specific)

*This list is meant for a general understanding of this plan and does not indicate exact coverage benefits.  A full description of the plan will soon be made available on the guard.me website.  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!  A link will soon be made available to do this.
 

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
    • You will receive an email from enrolment@mitt.cawith these details, including the specific amount owing and due date in September 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

Note:  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.

For ELI students:

  • Start date: 7 days before your start date
  • 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. A link will soon be made available to do this. 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. A link will soon be made available to do this. This will be a different insurance plan than the one offered through MITT.
 

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.  A link will soon be made available to do this.

This purchase must be made within 30 days of the start of your program.  Your guard.me insurance card is required to do this.

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 question: ‘When will I get my insurance card?’ 
 

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

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

When will I get my insurance card?

MITT will normally provide your information to guard.me within the first week of classes.  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.

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.
 

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, middle and last names
  • Date of birth
  • Sex (male, female or other)
  • Country or 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.
     

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 begin submitting claims once they have received their insurance cards.

In most cases, students will have to pay for their service up front, and submit a claim to guard.me to be paid back.

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).
 

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.
 

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.

A request form will soon be made available to do this – please check back for updates.  You will be required to submit a copy of your Manitoba Health Card.

Requests must be made within 30 calendar days of the start 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.
 

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

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

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