As an international student at UNB, you will receive health insurance through guard.me (while in Canada). Prior to your arrive in New Brunswick, there are a few health care precautions and routine processes you should take into consideration. Please see the list of Frequently Asked Questions (FAQ) below that will provide further information related to health insurance coverage that will help you prepare for your arrival.
International students taking classes at UNB are automatically enrolled in the guard.me international student emergency health insurance plan. This plan will begin on September 1, or the start of the term of your arrival.
Students who arrive in Canada before the start of the term can contact guard.me directly to enroll in a student early arrival plan, which will cover you until your UNB plan begins.
These plans are mandatory for all students studying in Canada.
The opt out portal for guard.me/UNB International Health Insurance is open the last week of the month prior to each new term start (last week of August for Fall, last week of December for Winter). The last day to opt out is always the third Friday of the term (see UNB academic calendar for specific dates).
Complete the opt out process here.
Please save the email from guard.me confirming you have successfully opted out for your records.
Any fee adjustments associated with opting out will show on your student account within 5 business days after the opt out deadline. *Please ensure that you pay all fees that you owe for the term, less $135.50 ($200.00 - $64.50) by the due date to avoid a late fee.
After the opt-out deadline date has passed, students will not be able to opt-out until the following term.
Cost: $64.50/year
An excursion refers to any leisure travel outside of your Canadian province of residence, with a return to your province. Excursions are limited to 30 days each (15 days when traveling to the USA). Your Excursion policy offers annual coverage in conjunction with provincial healthcare. Below are only a few of the many benefits that are included in this plan.
In addition, this plan covers more serious issues such as repatriation and even a family transportation benefit, which provides coverage for two family members to be by your bedside, should you be hospitalized for more than seven days and you have no immediate family nearby. Please take the time to read your policy documents carefully as there are normal terms and conditions that apply. The policy documents are available through your guard.me Account in multiple languages.
As per page 2 in your policy under the heading “Excursion”, travel outside of Canada (other than to your home country) is covered subject to the following conditions:
Please note - to view policy details, you are required to enter your policy number.
No, the guard.me international health insurance does not provide coverage for pre-existing conditions. The intent of the guard.me international health insurance is to cover emergency health conditions that begin after you arrive in Canada and purchase your insurance coverage.
Examples of pre-existing conditions include:
Please refer to the limitations and exclusions section of your policy document for more information.
Family members can be added to your plan for an additional fee and must be registered with guard.me within 10 days of receiving your insurance policy. It will be your responsibility to pay guard.me directly for any family member enrolled in the plan.