International Student Health Insurance

MITT, in partnership with guard.me insurance, offers specially designed health insurance plans for our international students.

These plans provide full coverage for basic and emergency health care needs that is very close to what Manitobans receive through Manitoba Health.

PLAN AND COVERAGE INFORMATION

There are currently two health insurance plans. Students are assigned a plan based on their start date.

Students Starting at MITT in July 2023 or Later

guard.me@MITT Plan

Students Who Started at MITT Before July 2023

guard.me@Manitoba Plan

Your guard.me healthcare access card will indicate your specific coverage start and end dates. The following information is to be used as a general guideline only.

Coverage Start Date

Generally, coverage starts one month before your program start date, however you must have arrived in Canada for coverage to take effect.

If you arrive in Canada before coverage begins, you may buy additional coverage for you and your family members by emailing partnerservices@guard.me or by accessing your online guard.me account, click on ‘Early Arrivals.’ This will be a different insurance plan than the one offered through MITT. Please indicate when your MITT coverage will start when purchasing this coverage. You will need your MITT policy number to help guard.me set up the right coverage period. To get early access to your policy number, please submit a completed International Student Health Insurance Plan Early Enrolment Request Form [pdf].

Coverage End Date

Your coverage end date will be indicated on your healthcare access card.  guard.me will send you an email approximately 30 days before your coverage end date notifying you of the upcoming end date. For your consideration, they will also provide information and instructions related to purchasing insurance directly from them. Click here to see the guard.me Recent Graduates webpage.

To help ensure you receive this important communication, please ensure your email address is updated in your Student Portal Account.

Break In Studies – Gap Students

If you receive a program extension, are applying for re-admission to complete program requirements, or are taking one term off (i.e. fall or winter or spring) and returning to school after the break, you may be eligible to buy coverage online for the gap period between terms. This will be a different insurance plan than the one offered through MITT.

You have only 30 days from the expiry date of your latest guard.me policy to apply for coverage for the gap period. If you miss the deadline, you will not be eligible to apply for coverage for the gap period.

Please be aware that breaks in studies may render some coverage invalid. Contact customercare@guard.me to ask specific questions about coverage.

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Post-Secondary Program Length Estimated Coverage Period
(exact dates listed on healthcare access card)
8 months 10 months
10 months 12 months
12 months 14 months
16 months 18 months
20 months 22 months

If you are attending a 2-year program your coverage is extended to include the break period between years 1 and 2. In year 1, you will be assessed for 13 months of coverage, and in year 2, you will be assessed for the remaining coverage period.

Your length of coverage will depend on the number of levels you are taking. The number of levels you are taking can be found in your Letter of Acceptance (LOA).

Coverage dates and periods will vary due to:

  • scheduled breaks (i.e. winter break, spring break)
  • gaps between an ELI program and a MITT post-secondary program.

Although we strive to provide continuous coverage during your enrolment with MITT, it is your responsibility to pay attention to coverage dates and, if required, purchase additional coverage for breaks in coverage. You may purchase additional coverage directly from guard.me. For more information, contact guard.me.

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Number of ELI Levels Estimated Months of Coverage
One 3 to 6 months
Two 7 months
Three 10 months
Four 13 months
Five 17 months

The information on this website highlights some coverage benefits, but it is not a comprehensive list.

Important coverage details are found in the policy document available through your online guard.me account.

It is your responsibility to review and refer to the policy document for a complete understanding of your coverage. You may also request a copy of the policy document by emailing international.health@mitt.ca.

Prior approval is required for certain benefits, and limitations and exclusions may apply. For example, pregnancy coverage is limited to students who became pregnant 60 days or less prior to the program start date or while attending classes.

This plan does not provide coverage in your home country. You may want to purchase additional coverage when travelling outside of Manitoba or Canada.

Coverage

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

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.

Your plan provides access to medical services for:

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

For students beginning July 2023 and later, the plan also provides for:

  • vaccination coverage (for vaccines required by MITT for student programs only)
  • non-emergency dental care (minimum 6 months enrolment required)
  • non-emergency vision care
  • additional non-emergency paramedical services
  • prescription medication coverage (including contraception)

Vaccines including Flu Shots

Flu shots (preventative vaccine) are not covered by the guard.me health insurance plan.

However, as per the Government of Manitoba Seasonal Flu webpage, international students and out-of-province visitors are eligible to receive the flu vaccine free-of-charge regardless of third-party insurance and/or Manitoba Health coverage (an administration fee may be charged).

Supplemental Health Insurance Coverage

You may purchase supplemental health insurance coverage privately through other insurance providers for items not included in the guard.me plan.

  • Students up to 64 years of age is $2.75 per day
  • Students 65 to 69 years of age is $5.75 per day
  • Students 70 years of age or older are not eligible for this plan and should purchase individual insurance on their own

We will automatically charge all international students who are up to and including 69 years of age for an individual-coverage plan. This cost is non-refundable.

Health insurance costs by program are available on our Tuition & Fees webpage.

Your Individual cost can be viewed your Student Portal Account.

Once you are enrolled in the health insurance plan and have access to your online guard.me account, you may purchase the same health insurance plan for your family members and dependants. We strongly encourage you to do this.

If you choose to purchase this optional coverage, you must do so within 30 days of your family member or dependant’s arrival in Canada. Proof of travel dates is required.

To purchase, sign in to your online guard.me account and choose ‘Dependant’ or email partnerservices@guard.me

If you do not yet have access to your online guard.me account, please complete the International Student Health Insurance Plan Early Enrolment Request Form [PDF].

Enrolment And Accessing Your Online Account

Enrolment

Although your coverage starts one month prior to your program start date, you will be enrolled in the health insurance plan approximately 3 weeks after your program start date. You will have access to your online guard.me account once you are enrolled.

Once enrolled, guard.me will send you an email containing:

  • a link and a temporary password to access your online guard.me account
  • your policy number
  • healthcare access card (pdf)
    • You may print the pdf version of your healthcare access card and/or download it as an electronic version to your phone or computer.
    • If your information on your card is incorrect, email international.health@mitt.ca. Be sure to provide your student number, first and last name, program, start date and correct email address.

guard.me will email you using the email address recorded in your Student Portal Account, so it is important to ensure your email address is correct and kept up-to-date. To view or update your email address, log-in to your Student Portal Account and choose ‘Edit Profile.’

Early Enrolment

If you would like to request early enrolment to allow for early access to your online account, please complete an International Student Health Insurance Plan Early Enrolment Request Form [PDF].

Healthcare Access Card Not Yet Received

If your classmates have received the guard.me email containing the pdf of their healthcare access card but you haven’t:

  • Check that your email address is correct in your Student Portal Account. If your email address is not correct, please update it in your Student Portal Account and send us an email to international.health@mitt.ca so we can reach out to guard.me with the correction.
  • Check your email junk and trash folders
  • Try searching your email for "guard.me".
  • Inform us you have not received your letter by emailing international.health@mitt.ca Be sure to provide your student number, first and last name, program, start date and correct email address.

If you have not yet received your healthcare access card and need to seek urgent or emergent medical attention, see our Urgent/Emergency Medical Attention section.

Issues Accessing Your Online guard.me Account

Go to your online guard.me account and enter your personal email address (as listed in your Student Portal Account), then enter the password provided in an email by guard.me.

OPTING OUT OF THE PLAN

You may only request to opt-out of the guard.me health insurance plan if you can provide proof of valid Manitoba Health coverage (provided by the government of Manitoba).

Manitoba Health card

Alternate plans will not be considered, and cannot be used to opt out of the plan.

If you have Manitoba Health coverage, and choose to opt-out of the guard.me health insurance plan, it is important to note:

  • You are responsible for ensuring your Manitoba Health coverage is valid for the entire duration of your studies at MITT
  • MITT is not liable in situations where a student does not have health coverage because they chose to opt-out using a Manitoba Health card that is or becomes expired
  • Once you choose to not participate in the guard.me health insurance plan, you may not be eligible for re-enrollment in the plan until the next program year (if applicable).

Submission of a second opt-out request form is required:

  • Before starting Year 2 of a two-year post-secondary program
  • If your English for Academic Purposes (EAP) studies are extended
  • When starting a post-secondary program after completing an EAP program

2023-2024 (Fall 2023, Winter 2024, Spring 2024)

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2023/2024 Post-Secondary Class Start Dates Opt-Out Deadlines
September 7, 2023 September 13, 2023
October 31, 2023 November 6, 2023
January 4, 2024 January 10, 2024
May 1, 2024 May 7, 2024

2024-2025 (Fall 2024, Winter 2025, Spring 2025)

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2024/2025 Post-Secondary Class Start Dates Opt-Out Deadlines
September 3, 2024 September 11, 2024
October 25, 2024 November 4, 2024
January 2, 2025 January 13, 2025
May 5, 2025 May 12, 2025

2023-2024 (Fall 2023, Winter 2024, Spring/Summer 2024)

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2024/2025 ELI Class Start Dates Opt-Out Deadlines
September 6, 2023 September 11, 2023
October 23, 2023 October 30, 2023
January 2, 2024 January 8, 2024
February 12, 2024 February 20, 2024
April 1, 2024 April 8, 2024
May 13, 2024 May 20, 2024
July 2, 2024 July 8, 2024

2024-2025 (Fall 2024, Winter 2025, Spring/Summer 2025)

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2024/2025 ELI Class Start Dates Opt-Out Deadlines
September 4, 2024 September 11, 2024
October 21, 2024 October 28, 2024
January 6, 2025 January 13, 2025
February 18, 2025 February 25, 2025
April 7, 2025 April 14, 2025
May 20, 2025 May 27, 2025
July 7, 2025 July 14, 2025

Are you considering opting out of the guard.me insurance plan because you have been approved for Manitoba Health coverage?  Before submitting an opt-out request, we encourage you to review the guard.me benefit summary brochure as in some cases the guard.me plan offers coverage not offered through Manitoba Health. Having both plans may be right for you.

If you would like to proceed with an opt-out request, submit an International Student Health Insurance Plan Opt-Out Request Form and the required supporting documents (outlined below) by the appropriate opt-out deadline as indicated in the Opt-Out Deadlines sections. 

Required supporting documents:

  • A copy of your Manitoba Health Card
    and
  • A copy of the ‘pink slip’ that indicates the Manitoba Health coverage expiry date

Once we receive the opt-out form and the supporting documents, we will review your request and provide you with a response by email. Only those requests received by the deadline, and with all required documentation, will be considered for full removal from the plan.

If you have applied for Manitoba Health and expect to be approved, but have not yet received your Manitoba Health Card, submit your opt-out form by the opt-out deadline. We will follow up to let you know if we are able to offer you more time to submit your supporting documents.  Extensions are not guaranteed.

Unfortunately, if your opt-out form is received after the deadline, or if you are unable to provide the supporting documents by the provided deadline, your opt-out request will be cancelled and you will be enrolled in the guard.me plan.

If your opt-out request is approved, a credit equivalent to the amount you paid for the guard.me plan will be posted to your fee statement in your Student Portal Account.

If you receive a credit, please complete the appropriate Refund Request Form (found on our Official Document Request and Forms webpage). Refunds may take 6 to 10 weeks to process.

Accessing Medical Care

mobileDOCTOR

mobileDOCTOR by guard.me allows you to connect with Canadian doctors on Maple, a telemedicine company, as a part of your health benefits.

Maple provides access to doctors, Canada wide, on your phone, tablet or computer anytime, anywhere.

Seeing a doctor on Maple is safe and reliable, and can help prevent the need to go to a walk-in clinic or emergency room.

A Maple doctor will respond to your request for a consultation in minutes. You can have your consultation by text, video, or audio chat

When outside of Canada the mobileDOCTOR service connects you to a Canadian doctor in real time and remains available 24/7 for advice purposes only.

The doctors can diagnose injuries and illnesses, write prescriptions, and provide lab requisitions, all within your consultation. Please note that only eligible prescriptions and lab requisitions are covered by guard.me and can only be provided if you are in Canada.

For information on how to use moblieDOCTOR, visit the mobileDOCTOR webpage.

Winnipeg Regional Health Authority

Clinic, urgent care, or emergency – where do you go?  Use the following website to learn how to find the right health care services for you.

www.wrha.mb.ca/myrightcare/

The site also provides:

  • Descriptions of and wait times for walk-in clinics, urgent care centres, and emergency departments
  • Help in finding a family doctor
  • Sick or injured child information

Find A Service Provider

To review a list of service providers, go to your guard.me account and choose ‘Find a Canadian Clinic.’ You can then choose ‘Use My Location’ or type in your Winnipeg address and click Submit.

This site also indicates services providers who will bill guard.me directly, meaning you will not be required to pay for some or possibly all of your eligible service costs at the time of receipt of service.

You are not required to pay before receiving urgent/emergency treatment, however you must contact guard.me within 24 hours of being admitted to the hospital or as soon as reasonably possible:

  • 1-888-756-8428 (Toll-Free North America)
  • 1-905-731-8291 (Collect)

You can receive urgent/emergent medical attention at a hospital, even if you have not yet received your healthcare access card. You may be required to sign a right of responsibilities document. By signing this document, you agree to accept and pay for treatment costs.

After treatment, the hospital will provide you with an invoice for the cost of your services.

Email us at international.health@mitt.ca to inform us you have an invoice for urgent/emergency medical services. Include your name, student number, and birthdate. We will work with guard.me to ensure you receive your healthcare access card as soon as possible.

Once you receive your healthcare access card, you can submit the invoice to guard.me for payment of eligible/covered expenses.

Making A Claim

Direct Billing

Many services providers will bill guard.me directly, meaning you will not be required to pay for some or possibly all service costs at the time of receipt of service. To review a list of service providers that offer direct billing, go to your guard.me account and choose ‘Find a Canadian Clinic.’ You can then choose ‘Use My Location’ or type in your Winnipeg address and click Submit.

Invoice Billing

Some service providers will bill you by invoice, which can be submitted to guard.me, and they will pay the service provider. This means you will not be required to pay for some or possibly all service costs at the time of receipt of service.

Payment and Reimbursement

In some cases, you will be required to pay for some or all service costs at the time of receipt of service. You may then submit a claim to guard.me for reimbursement. You may submit reimbursement claims once your coverage is active and you’ve received access to your guard.me account.

Confidentiality

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

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

guard.me will communicate with you using the email address recorded in your Student Portal Account, so it is important to ensure your email address is correct and kept up-to-date. To view or update your email address, log-in to your Student Portal Account and choose ‘Edit Profile.’

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

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

guard.me will share information with MITT about overall student use of this plan. Your personal service use information will not be shared.

Still Have Questions?

If, after reviewing the information on this webpage, you have questions, please:

Contact us today and we will be more than happy to help you with any questions or concerns you have.

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