2-3 Term Study Abroad

Note: Both Primary Insurance and Secondary Insurance are required.

Note: Both Primary Insurance and Secondary Insurance are required.

PRIMARY INSURANCE

Apply for BC Medical Services Plan (MSP).

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. If not, you will opt-out of guard.me@SFU once you are covered through MSP in your second term of exchange.

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 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 (click Exchange Student).

If your plan has been deemed “Ineligible”, you are not able to opt out of guard.me@SFU. Check the list of Ineligible plans (click Exchange Student).

If your plan is not on either list, you can submit it for review. Instructions are on the guard.me@SFU 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: $75/ month ($300/ 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 under the Medicare Protection Act. There is a wait period of 2-3 months for newcomers. In order to be covered during the wait period you may purchase a private medical insurance plan through guard.me.

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

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. 

SECONDARY INSURANCE

Do you already have an equivalent secondary insurance plan? OPT OUT of the SFSS Health and Dental Plan (undergraduate) or OPT OUT of the GSS Benefit Plan (graduate).

Cost: $267.75/ academic year (Enhanced Plan) or $207.91/ academic year (Basic Plan)*. After your study abroad terms, you can opt out during the Change-of-Coverage Period for the following term to avoid paying for the remainder of the academic year (unless the Summer term is your final term at SFU).
Enrollment: Automatic (except if entering in summer term)
More Info: SFSS Health and Dental Plan website

Common Questions:

What is the SFSS Health and Dental Plan?

The undergraduate Simon Fraser Student Society Health and Dental Plan is in place to complement primary medical coverage (ie. MSP). Services not covered by primary coverage (ie. vision and dental care) are included in the SFSS plan.

How and when can I opt out of the SFSS Health and Dental Plan?

You may opt out of the SFSS health plan if you have existing secondary coverage in BC. To opt out, you will be required to upload proof of coverage on the SFSS Health and Dental website during the Change-of-Coverage Period. This will be during the first two weeks of each term. This is also the period where you can opt down from the Enhanced Plan to the Basic Plan.

Please visit their website for more information. 

How can I make claims?

Use the claim forms on the SFSS Health and Dental website to complete your request. Original payment receipts must be mailed with the form(s).

Please allow up to two weeks for claims to be processed. 

For claim forms and more information, please visit the SFSS Health and Dental website

Cost: $459.94/ academic year*
Enrollment: Automatic (except if entering in summer term)
More Info: GSS Benefit Plan website

Common Questions:

What is the GSS Benefit Plan?

The Graduate Student Society (GSS) health and dental plan is in place to complement primary medical coverage (ie. BC MSP). Coverage includes: vision, dental, health, and travel benefits. 

How and when can I opt out of the GSS Benefit Plan?

You may opt out of the GSS extended health plan if you have existing secondary coverage in BC. To opt out, you will be required to upload proof of coverage on the GSS Health and Dental website during the Change-of-Coverage Period. This will be during the first two weeks of each term. 

Please visit their website for more information. 

How can I make claims?

You can submit health and dental claim forms directly to the insurance company. You may also file claims online through the ihaveaplan mobile app. For more information, and to download the app, click here.

*prices are subject to change without notice