International students, including exchange and visiting students, must have appropriate medical insurance while in Canada to avoid unnecessary financial burdens.
Private medical insurance – guard.me
If you are studying in the province of British Columbia (B.C.) for more than six months, you must enroll in the B.C. Medical Services Plan (MSP). The waiting period to receive MSP coverage is approximately three months. This is why UFV International will automatically enroll you in a private medical insurance plan (guard.me) designed for international students' needs. You can find the details of this plan coverage with the guard.me Benefit Summary pamphlet.
Opting Out/ Withdrawing
You can choose to withdraw from private medical insurance and get a 100% refund for the current semester, provided that you submit proof of coverage by the British Columbia Medical Service Plan (BC MSP) during the withdrawal period of each semester. If you are studying from outside of Canada for the Winter 2021 semester, you are eligible to Opt-Out of the guard.me health insurance plan temporarily.
|Semester||Coverage Start Date*||Coverage End Date||Opt-Out Period**|
|Winter 2021||Jan 1, 2021||March 31, 2021||Jan 11-31, 2021|
|Summer 2021||May 1, 2021||July 31, 2021||
May 11-31, 2021
|Fall 2021||Sept 1, 2021||Nov 30, 2021||Sept 11-30, 2021|
*Your date of arrival to Canada or the first day of classes, are not related to the coverage dates above. If you are travelling to Canada before the coverage start date, it is your responsibility to purchase medical coverage during that time.
** If you miss the deadline, you may still complete the op-out application for a partial refund provided you have a valid BC MSP, and have not made a claim using your guard.me health insurance plan.
- For claims assistance, please contact guard.me at email@example.com
- For emergency information, please call 1-888-756-8428 (Toll-Free North America) or email firstname.lastname@example.org
Medical Services Plan (MSP) for British Columbia (B.C.)
If you are an international student with a study permit valid for a period of six or more months, it is mandatory that you enroll in the Medical Services Plan (MSP) for British Columbia (B.C.) within the first 10 days of your arrival in B.C. Visit the Government of BC website to apply for MSP coverage.
MSP response to COVID-19
For information about the Medical Services Plan (MSP) response to COVID-19, please go to the Government of BC website's Medical Services Plan Response to COVID-19.
Changes to MSP coverage for current students effective January 2020
If you are a current UFV student who began your studies in Summer 2019 or earlier, you have been removed from UFV's Group Medical Services Plan (MSP), and you are required to manage your own MSP coverage directly with Health Insurance BC (HIBC) as of January 1, 2020. This means that you are required to pay for the new health fee by making monthly payments directly to the Revenue Services of B.C. (RSBC). In order to receive monthly invoices from RSBC, please update your address with HIBC to your current home address. You will also be required to update HIBC directly with any account changes such as new immigration documents (e.g. study permit extensions). For more information about the new health fee, please go to Government of BC's Questions and Answers on Health Fee for international students.
Insurance for exchange students studying at UFV
If you are an exchange student studying for less than 6 months in B.C., you are required to enroll in the comprehensive private medical insurance plan provided by guard.me. If you are an exchange student studying for more than 6 months in B.C., you are required to enroll in the comprehensive private medical insurance plan provided by guard.me for the first 3 months and then the B.C. Medical Services Plan (MSP) for the remainder of your studies at UFV. UFV International will automatically enroll you in the private health insurance plan and provide you with the necessary MSP enrollment information (if applicable) during International Arrival Days.
Student Union Society Health and Dental Plan
If you are a full-time student (9 credits or more) in the Fall or Winter semester, you will automatically be enrolled in the SUS Health and Dental Plan provided by StudentCare. This plan provides extended health and dental coverage for health services not provided by the provincial health care plan (MSP). For more information, please visit the Student Care website.
If you require further information or clarification regarding insurance, please contact email@example.com.