2-3 Term Exchange


You have been automatically enrolled in a mandatory 4 month primary medical insurance plan through guard.me@SFU. 

You can opt out (cancel) of guard.me@SFU temporary medical insurance plan if you are studying outside of Canada or if you have one of the eligible plans. Most exchange students are not eligible to opt out.

To opt out of guard.me@SFU, visit their website before the deadline

Staying in BC for 6 months or longer? 

Apply for BC Medical Services Plan (MSP). MSP should take effect late in your first term of exchange. As soon as you receive your BC Medical Services Plan, you may be eligible for a refund of the unused portion of your guard.me@SFU insurance if you have not made a claim and there is more than 1 month of coverage remaining when you apply. The partial refund will be applied to your SFU account.


Cost: $281 for your first term at SFU*

Enrolment: Automatic (upon enrolment in classes) for your first term only

More Info: guard.me@SFU website

*prices are subject to change without notice

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 while you are waiting for your BC MSP. 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.

Your MSP will take effect after a 3 month waiting period (this includes the balance of the first month when you arrive in BC plus 2 additional months – for example, March 1, if you arrived sometime in December). SFU will not re-enroll you in the guard.me@SFU plan in any subsequent terms.

How do I get the policy/ certificate number?

You will receive a welcome email from guard.me@SFU at the beginning of semester. This email will include a link to log into your account to view your policy details. You can view and download your Healthcare Access Card (HAC) which is your proof of insurance and will have your name, student number, policy number, and policy start and end date. You can also log in via Guard.me@SFU website.

This card can be used for direct billing at some pharmacies, medical clinics, and dental offices. 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 an email from guard.me@SFU, please contact them at customercare@guard.me.

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

To opt-out of guard.me@SFU, visit their website. Click the appropriate category and follow the opt-out instructions. To see the opt out deadlines for guard.me@SFU click hereMost exchange students are not eligible to opt out.

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 your Healthcare Access Card (HAC) from guard.me@SFU website. The HAC is your proof of insurance containing your coverage information. They will collect a copy for each visit and will directly bill guard.me@SFU on your behalf. No additional claim is required. You can search Guard.me preferred clinics near your location here. These clinics will allow direct billing.

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.

I received my BC Services Card (MSP card) before the end of my first term. May I apply for a partial refund of the 4 month policy?

You may be eligible for a refund of the unused portion of your insurance if you have not made a claim and there is more than 1 month of coverage remaining when you apply through guard.me@SFU. Your application for a partial reimbursement must be received by guard.me@SFU before the last month of the term (that is, before April 1, August 1 and December 1). If approved, your partial refund will be applied to your SFU account.

If you are a TSSU member, in addition to the above, SFU HR will reimburse you a portion of the Guard.me@SFU fees you paid for the months while you waited for your MSP to become effective. For example, if your BC MSP becomes effective on November 1, SFU HR will reimburse you for September and October. This is a separate process from the cancellation of your Guard.me@SFU coverage. Please contact tssubens@sfu.ca for further questions.

BC Medical Services Plan (MSP)

Cost: $75 per month*

Enrolment: Need to apply

More Info: BC MSP website

*prices are subject to change without notice. If you have any dependent (e.g. spouse, common-law partner, and/or children) each study permit holder must pay the fee.

Common Questions:

What is the 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 complete the MSP Application Enrolment form by mail and mail it directly to BC MSP.

If you are eligible, you can apply as soon as you arrive in BC. Please note there is a wait period of 2-3 months for new residents before your coverage begins. If you are a new international student at SFU, you will be automatically enrolled in guard.me@sfu plan for your first term while you wait for your BC MSP. 

If you are a returning student travelling back to BC, in order to be covered during the wait period you may purchase a private medical insurance plan. Please contact International Services for Students about temporary medical insurance options to cover the MSP waiting period. 

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 enrolment. 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.