International Student Health Insurance

Frequently Asked Questions (updated October 22, 2018)

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

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.

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

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CAN I CHOOSE NOT TO PARTICIPATE IN THIS PLAN?

'I have valid Manitoba Health coverage.  How do I request not to participate in the guard.me @ manitoba plan?' 

'I have valid Manitoba Health coverage for part of my studies.  Can I request not to participate in the guard.me @ manitoba plan?' 

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

‘What if I already have insurance?'’

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Coverage Dates, Cost & Family Members

‘When does my coverage start and end?’ 

‘What is the cost for this plan?’ 

‘How can I get insurance coverage for my family members and dependents?’

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Guard.me Card

‘When will I get my insurance card?’

‘Can I get my card early?’

I lost my guard.me card. Can I get a new one?

'I haven't received my guard.me card but my classmates have.'

'The information on my guard.me card is incorrect.'

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Emergency/Urgent Medical Attention

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

Emergency Contact (guard.me)

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Care

'How do I access medical care?

'I have questions about my health, who should I talk to?'

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Claims

How do I get paid back for services I use?

How do I submit an insurance claim?

Will clinics bill guard.me directly?

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Coverage - More Information

What does this plan include/cover?

What if I arrive before this coverage begins?

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

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

What personal information is MITT providing to guard.me?

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

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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Can I choose not to participate in this plan? 

What if I already have insurance?

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?

Manitoba Health card

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 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.

If you are waiting on a letter from Manitoba Health, please submit the form and a copy of your Manitoba Health card as soon as possible. You can submit the letter separately once you receive it.

Deadlines to Request Not to Participate    
 Program  Intake Deadline 
English Language Institute  October 29, 2018   November 13, 2018
   January 7, 2019   January 22, 2019
   February 11, 2019   February 26, 2019
     
 Post-Secondary  January 7, 2019   February 5, 2019
   January 28, 2019   February 28, 2019
   February 4, 2019  March 6, 2019

ELI: 14 calendar days from the start date of your program

Post-secondary: Winter 2019 and forward: 30 calendar days from the start date of your program, as listed on your Letter of Acceptance

Post-secondary: Fall 2017, Winter 2018, Spring 2018 & Fall 2018: October 1, 2018

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.

Students attending 2-year programs must request not to participate each year.

I have valid Manitoba Health coverage for part of my studies. Can I request not to participate in the guard.me @ manitoba plan?

Some students may have Manitoba Health coverage through a working spouse or family member now, but it will end before their program ends. Students with valid Manitoba Health coverage may request delayed enrolment 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.

If you are waiting on a letter from Manitoba Health, please submit the form and a copy of your Manitoba Health card as soon as possible. You can submit the letter separately once you receive it.

If students are approved for delayed enrolment, their insurance fees will be re-calculated.

Deadlines to Request Not to Participate    
 Program  Intake Deadline 
English Language Institute  October 29, 2018   November 13, 2018
   January 7, 2019   January 22, 2019
   February 11, 2019   February 26, 2019
     
 Post-Secondary  January 7, 2019   February 5, 2019
   January 28, 2019   February 28, 2019
   February 4, 2019  March 6, 2019

 

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.

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Coverage

When does my coverage start and end?

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

Your insurance card will include your policy number, the start date and the end date of your coverage.

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

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: maybe longer for some students, depending on session start and end dates)

For example:

    Level 2 in September 2018 ELI term 
 Program start date  Insurance start date  Program end date  Insurance end date
 September 24, 2018  September 17, 2018  November 20, 2018  December 7, 2018
   Level 3 in January 2019 ELI term    
 Program start date  Insurance start date  Program end date  Insurance end date
 January 7, 2019  December 31, 2018  March 15, 2019  March 25, 2019

 

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.

The exact cost is on the Payment Schedule you receive with your Letter of Admission.

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Guard.me Card

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.

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

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.

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.

Post-secondary students who start in Winter 2019 will receive their cards in early February.

October 2018 ELI students will receive their cards by November 19, 2018.

Can I get my card early?

Students 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.

I lost my guard.me card. Can I get a new one?

In order to get your ID card, simply log in to My Account.

If you have not yet created your account, you can create an account using your contact information and policy number at https://desa02.guard.me/register.php.

I haven't received my guard.me card but my classmates have.

Check to make sure your email is correct in the Student Portal.

Check your junk mail and trash folders in case the guard.me email is there.

Email international.health@mitt.ca and provide your student #, first and last name, program and your correct email address.

The information on my guard.me card is incorrect.

Email international.health@mitt.ca and provide your student #, first and last name, program and details.

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Emergency/Urgent Medical Attention

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/emergency 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 the hospital gives you 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 international.health@mitt.ca with your name and student number.  We will work to ensure you receive your health insurance card as soon as possible.

Emergency Contact (guard.me)

Please use the following guard.me Emergency Assistance contact information

1-888-756-8428 (Toll-Free North America)

1-905 731-8291 (Collect)

Contact the 24 Hour Toll-Free or collect number within 24 hours of admission to Hospital,

or if incapacitated, as soon as reasonably possible

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Care

How do I access medical care? 

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

mobileDOCTOR (a guard.me service)

Students with guard.me have access to mobileDOCTOR to talk to a doctor/or nurse, 24-hours a day, 7-days a week. The doctor or nurse has the knowledge to provide answers over the phone to health questions, guide students to the care they need, and if needed write prescriptions.

  • Fast – nurses and doctors are available day and night
  • Flexible – the right advice and care at the right time
  • Friendly – our health care team ensures students feel at ease by providing expert advice and support
  • Unsure about whether you should go to a clinic or Emergency?

How to use moblieDOCTOR

  • Contact Assistance Line (number on back of guard.me card)
  • Provide your policy ID & a brief description of issue
  • Our Assistance professionals will determine if Mobile Doctor is right for you and how to direct your concern
  • If necessary, a licensed Nurse or Doctor will call you back 20 min later

Winnipeg Regional Health Authority websites:

www.wrha.mb.ca/myrightcare/
Use this website to determine and find the right care, depending on your needs.

www.wrha.mb.ca/healthinfo/healthlinks/
Use this website and contact information to speak to a nurse, find service, view Emergency Department and Urgent Care wait times, and to find a doctor

guard.me website:

https://www.guard.me/mitt

Use this website to help you find a clinic based on your location. Some clinics bill directly to guard.me

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Claims

 

How do I get paid back for services I use?

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.

How do I submit an insurance claim? 

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

Will clinics bill guard.me directly?

The guard.me website provides a list of clinics and service providers that will bill them directly.  Look for this information under FIND A CLINIC, type Winnipeg and click Submit.

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Coverage - More Information

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!

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.

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:

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.

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

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

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.

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.

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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