2-3 Term Exchange


You have been automatically enrolled in a mandatory 4 month primary medical insurance plan through guard.me@SFU. If you have an equivalent approved plan, you can OPT OUT of guard.me@SFU in your first term of exchange.

Apply for BC Medical Services Plan (MSP). MSP should take effect late in your first term of exchange. You will then be able to opt out of guard.me@SFU in your second term of exchange. There will likely be an overlap period of 1-2 months in which you will be required to pay for guard.me and MSP.

Cost: $281/ term* (as of Fall 2017)
Enrollment: Automatic (upon enrollment in classes)
More Info: guard.me@SFU website

Common Questions:

What is guard.me@SFU?

guard.me@SFU is a short term primary medical insurance coverage. The goal of guard.me@SFU is to help transition you to Canada without having to worry about enrolling for BC medical insurance immediately. Since you are living in BC for more than 6 months, under the Medicare Protection Act, you must apply for BC Medical Services Plan upon arrival.

How do I get the policy/ certificate number?

If you are an undergraduate student at SFU, you will receive an email from guard.me@SFU regarding the policy/ certificate number to your @sfu.ca email address. The policy information will be in an attachment. Make sure to keep this for future reference as you will need it for direct billing or to submit a claim.  If you have not received it within two weeks of the term start date, please contact SFU's International Services for Students.

If you are a graduate student, pick up your guard.me@SFU card at MBC 1200 at the SFU Burnaby Campus.

How and when can I opt out of guard.me@SFU?

You can opt out right away if your plan has been deemed to be an “Eligible” plan with equivalent or better coverage by guard.me@SFU. Check the list of Eligible plans.

If your plan has been deemed “Ineligible” you are not able to opt-out of guard.me@SFU right away. Check the list of Ineligible plans (click Exchange Student). Once you are covered through MSP you may opt-out of guard.me@SFU for your second/third exchange term/s.

If your plan is not on either list, you can submit it for review. Instructions are on their website (click Exchange student).

To opt out of guard.me@SFU, visit their website. Click the appropriate category and follow the opt-out instructions.

The opt-out periods for guard.me@SFU are the following:

Fall term: First day of classes until September 30

Spring term: First day of classes until January 30

Summer term: First day of classes until May 30

Note: changes may not be reflected right away.

How can I make claims?

When visiting any of the SFU Health Clinics, print out a copy of the email attachment from guard.me@SFU containing your coverage certificate. They will collect a copy for each visit and will directly bill guard.me@SFU on your behalf. No additional claim is required. 

For clinics that do not allow direct billing, you will need to pay upfront for the visit. Keep copies of all your payment receipts. To submit a claim, please visit guard.me@SFU to create an online account and upload copies of your receipts. 

Cost: $37.50/ month ($150/ term)*
Enrollment: Need to apply
More Info: BC MSP website

Common Questions:

What is BC Medical Services Plan (MSP)?

Students staying in BC for 6 months or longer are required to enrol in the British Columbia Medical Services Plan. There is a wait period of 2-3 months for newcomers, during which time the guard.me@SFU plan will provide you with short-term coverage. 

BC MSP provides primary medical coverage such as:

  • services provided by a doctor
  • X-rays, lab tests (as required by a doctor) 
  • emergency dental and oral surgery in hospital
BC MSP offers different coverage than guard.me@SFU (which offers limited secondary benefits in addition to primary), so be sure to read the detailed policy information once you are enrolled.

How and when can I apply for MSP?

To apply for BC MSP, complete the MSP Application online at this website.

You may also compelte the MSP Application for Enrolment form and mail it directly to BC MSP OR submit it to the ISS office (MBC 1200) during the following period:

Summer term 2017: May 1- 30

We will no longer be mailing the BC MSP applications for Fall 2017. We recommend that you apply online.

How does BC MSP work?

Once enrolled, BC MSP will mail you a BC Services Card along with an invoice to pay. Payments may be made monthly or in advance. Payments are made directly to BC MSP, not through SFU.

When visiting a health clinic or hospital, you will be asked to show your BC Services Card as proof of enrollment. You will not be required to pay for the visit, they will bill BC MSP directly. 


You will not receive a secondary medical insurance plan through SFU. You may wish to purchase coverage through a private insurance agent. The guard.me@SFU plan includes some limited secondary benefits, please see the detailed plan information. BC MSP is primary-only coverage, so you may wish to purchase additional secondary coverage while on MSP.

*prices are subject to change without notice