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COVID-19 Update | guard.me
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Account</span> </div> <div class="icon-column-desc" style="color: #ffffff">Students / Faculty / Dependents / Graduates</div> </div> <div class="icon-column-icon"> <img alt="Students / Faculty / Dependents / Graduates" src="/res/imgs/icons/portal-icon.png"> </div> </a> </div> </div> </div> </li> </ul> </div> <div id="emergency-navigation"><a href="https://www.guard.me/emergency.php" class="btn-danger"><span class="text-uppercase">Emergency Contact</span></a></div> </nav> </header> <div class="page-header-image" style="background-image: url('/res/imgs/site_main/page_headers/header-bg-crona.jpg')"> <div class="arrow_box"> <h1 style="color:#ffffff;">COVID-19 Update</h1> <div class="bottom-border-right"></div> <div class="bottom-border-left"></div> </div> </div> <article> <!--<div class="gc-stp-stp"> <div class="row"> <ul class="toc lst-spcd col-md-12"> <li class="col-md-4 col-sm-6"><a class="list-group-item active" href="#insureds">Insureds in Canada </a></li> <li class="col-md-4 col-sm-6"><a class="list-group-item" href="#maple"> Maple Medical & mobileDOCTOR </a></li> <li class="col-md-4 col-sm-6"><a class="list-group-item" href="#outbound">Outbound Insureds </a></li> <li class="col-md-4 col-sm-6"><a class="list-group-item" href="#faqs-schools">COVID-19 FAQ’s - Schools/Homestays </a></li> <li class="col-md-4 col-sm-6"><a class="list-group-item" href="#faqs-students">COVID-19 FAQ’s - Students</a></li> <li class="col-md-4 col-sm-6"><a class="list-group-item" href="#links">Useful Links </a></li> </ul> </div> </div>--> <h2 class="article-emphasis"> <!--Requirements for travel to Canada--> </h2> <p><!--On February 15th 2022 the Government of Canada announced a series of adjustments to its requirements for inbound travelers. For the most up to date and recent information about COVID related entry requirements, please visit <a class="pop_up_warning" href="https://travel.gc.ca/travel-covid" target="_blank">here<span class="pop_up_warning_text">Opens a new window</span></a>.</p> <p>Effective at 12:01 ET on February 28th the Government of Canada began easing some of the requirements for on-arrival testing for fully-vaccinated travellers. This means that travellers arriving to Canada may be randomly selected for arrival testing. Travellers who are selected for testing will no longer be required to quarantine while awaiting their test result.</p> <p>Please note that the Government of Canada’s requirements are non-emergency tests, and as a result, are not eligible under <span class="gm gm-colored"></span> policies. In addition, any request for subsequent non-emergency tests while in a government-prescribed quarantine period are not eligible expenses; any non-emergency tests required by a third party are not eligible expenses.</p> <p>Should a period of quarantine be mandated by the Government of Canada, all travellers, including students, will need to comply with the Government of Canada guidelines, and should review with their institution any arrangements for quarantine. All travellers, including students, are required by law to follow the prescribed quarantine instructions. The Government of Canada may impose penalties upon those individuals who do not comply with the current requirement to quarantine.--><b>The following information is the latest available from the Government of Canada. Those students travelling to or from Canada must check the COVID-19 guidelines for their destination.</p></b> <h2 class="article-emphasis"> <!--Negative COVID Test Required Prior to Boarding-->Travelling to Canada </h2> <!--<p><strong>For more info please click <a class="pop_up_warning" href="https://www.canada.ca/en/transport-canada/news/2020/12/pre-departure-covid-19-testing-and-negative-results-for-air-travellers-coming-to-canada.html" target="_blank">here<span class="pop_up_warning_text">Opens a new window</span></a>.</strong></p>--> <p>The Government of Canada now requires that all incoming travellers to Canada must use the ArriveCAN mobile app to provide mandatory travel and public health information before and after your entry into the country. ArriveCAN is available for iOS, Android and the web, and can communicate in English, French and Spanish. For more information on ArriveCAN, visit <a class="pop_up_warning" href="https://www.canada.ca/en/border-services-agency/services/arrivecan.html" target="_blank">https://www.canada.ca/en/border-services-agency/services/arrivecan.html<span class="pop_up_warning_text">Opens a new window</span></a>.</p> <p> You need to submit your information to ArriveCAN within <b>72 hours before</b> arriving in Canada. The information you need to provide includes: </p> <ul> <li>Contact information</li> <li>Travel details and documents</li> <li>Vaccination information* and travel history</li> <li>Quarantine plan</li> </ul> <p>*If you don’t have Canadian proof of vaccination, you may use an official document that shows your first and second doses of COVID-19 vaccine. For more information, visit <a class="pop_up_warning" href="https://travel.gc.ca/travel-covid/travel-restrictions/covid-vaccinated-travellers-entering-canada#proof" target="_blank">https://travel.gc.ca/travel-covid/travel-restrictions/covid-vaccinated-travellers-entering-canada#proof<span class="pop_up_warning_text">Opens a new window</span></a>.</p> <p>You may still be selected for random arrival testing but those selected for testing will no longer be required to quarantine while awaiting their test results. Please note that the Government of Canada’s requirements are non-emergency tests, and as a result, are not eligible under <span class="guard">guard</span><span class="me">.me</span> policies. In addition, any request for subsequent non-emergency tests while in a government-prescribed quarantine period are not eligible expenses; any non-emergency tests required by a third party are not eligible expenses.</p> <p>Should a period of quarantine be mandated by the Government of Canada, all travellers, including students, will need to comply with the Government of Canada guidelines, and should review with their institution any arrangements for quarantine. All travellers, including students, are required by law to follow the prescribed quarantine instructions. The Government of Canada may impose penalties upon those individuals who do not comply with the current requirement to quarantine.</p> <h2 class="article-emphasis"> Important Information for guard.me Insured Students in Canada </h2> <p>If your <span class="guard">guard</span><span class="me">.me</span> policy is valid, you are covered for all medically necessary treatment for new and emergent conditions, including COVID-19. You can check the dates of your coverage on your <span class="guard">guard</span><span class="me">.me</span> Healthcare Access Card.</p> <p>However, coverage for COVID-19 does not include costs associated with self-isolation or mandated quarantine. Private accommodation and day-to-day expenses (food and non-emergency transportation) are not eligible for reimbursement. What is eligible is medically necessary treatments for new and emergent conditions.</p> <p>If your policy is going to expire, and your academic institution is unable to extend your current policy, you can purchase insurance through the institution’s microsite or www.guard.me.</p> <p>If you arrived early and are waiting for classes to start, you may be eligible to purchase early arrival insurance through the institution's microsite or www.guard.me.</p> <h2 class="article-emphasis"> Important Information for guard.me Insured Students Travelling from Canada (Outbound) </h2> <h3 class="article-emphasis"> guard.me Global A, guard.me Global B, guard.me Global Annual </h3> <p>Those students travelling from Canada should review all travel advisories for your destination.</p> <p><a class="pop_up_warning" href="https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels" target="_blank">https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels<span class="pop_up_warning_text">Opens a new window</span></a></p> <p>Health Canada stipulates that all travellers who are eligible for COVID-19 vaccines should be fully vaccinated prior to departure. If you are eligible for a vaccine and have not been fully vaccinated, Health Canada suggests you delay departure until you have received a full course of a vaccine. As well, to be eligible for coverage under a <span class="guard">guard</span><span class="me">.me</span> policy, you must meet Health Canada’s vaccine requirements.</p> <p> <a class="pop_up_warning" href="https://travel.gc.ca/travelling/health-safety/travel-health-notices/226" target="_blank">https://travel.gc.ca/travelling/health-safety/travel-health-notices/226<span class="pop_up_warning_text">Opens a new window</span></a> </p> <p> <span class="guard">guard</span><span class="me">.me</span> is recommending that its insured travellers supplement their policy with the addition of the COVID-19 Quarantine Coverage Rider. Contact us for more information. </p> <h3 class="article-emphasis"> Travelling under the Excursion Benefit </h3> <p> You may travel outside of Canada as per your <span class="guard">guard</span><span class="me">.me</span> policy Excursion benefit wording. Refer to your policy for specific Terms and Conditions related to Excursion coverage. The Government of Canada Travel Advisory ratings provide important guidance to travellers preparing for travel and while at your destination. </p> <p> <a class="pop_up_warning" href="https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels" target="_blank">https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels<span class="pop_up_warning_text">Opens a new window</span></a> </p> <p> For more information about your policy and COVID-19, call <img style="margin:0;" alt="canadian flag" src="res/imgs/icons/canadian-flag-sm.png"> <b>1-905-752-6230</b>, toll-free <b>1-877-873-8447</b> or email <a href="/cdn-cgi/l/email-protection#2a495f595e45474f58494b584f6a4d5f4b584e04474f"><span class="__cf_email__" data-cfemail="f89b8d8b8c97959d8a9b998a9db89f8d998a9cd6959d">[email protected]</span></a>. </p> <!--<h3 class="article-emphasis"> HOW DO I STAY HEALTHY AND AVOID GETTING SICK? </h3> <img alt="covid-image2" style="max-height: fit-content;" src="/res/imgs/site_main/covid19-image2.png" align="right"> <p>COVID-19 is a contagious virus that can be easily transferred from one person to another. You can’t always tell when a person is sick, that is why it is important to take precautions and practice social distancing.</p> <p>Many restrictions are already in place to slow the spread of the virus. By following the instructions of the health authorities in your area, you can play an important role in reducing the impact of the virus and protecting yourself and vulnerable people.</p> <ul> <li>Always maintain a distance of 2 metres or more between people, avoid crowds, and avoid activities or modes of transportation that expose you to many people. Stay indoors whenever possible.</li> <li>Wear a mask or face covering to help stop the spread of COVID-19. The use of masks in indoor public spaces and on public transit is now mandatory in most regions.</li> <li>Avoid shaking hands and avoid touching your face, especially your mouth, eyes, and nose.</li> <li>Wash your hands at regular intervals using soap and warm water. Wash your hands or use a hand sanitizer immediately after coming into contact with common surfaces such as door handles or stair rails, or before preparing or eating food.</li> <li>Practice safe-coughing and sneezing etiquette: cough or sneeze into your elbow, or use a Kleenex or tissue, then dispose of it and wash your hands using soap and warm water.</li> <li>Disinfect surfaces and high contact items such as phones, tablets, remotes, door handles, railings, counters and toilets.</li> <li>Follow the instructions of health authorities in your area.</li> </ul> <h3 class="article-emphasis"> WHAT SHOULD I DO IF I FEEL SICK? </h3> <p><span class="bold">Symptoms of COVID-19 include:</span></p> <ul> <li>New or worsening cough</li> <li>Shortness of breath or difficulty breathing </li> <li>Temperature equal to or over 38°C </li> <li>Feeling feverish </li> <li>Sore throat </li> <li>Chills</li> <li>Fatigue or weakness</li> <li>Muscle or body aches</li> <li>New loss of smell or taste</li> <li>Headache</li> <li>Gastrointestinal symptoms (abdominal pain, diarrhea, vomiting)</li> <li>Feeling very unwell</li> </ul> <p>Think you might have COVID-19? <a class="pop_up_warning" href="https://ca.thrive.health/covid19/en" target="_blank"> Take self assessment<span class="pop_up_warning_text">Opens a new window</span></a>.</p> <p><span class="bold">If you are showing symptoms of COVID-19:</span></p> <ul> <li>Call your local <a class="pop_up_warning" href="https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/symptoms/provincial-territorial-resources-covid-19.html" target="_blank">Public Health Authority<span class="pop_up_warning_text">Opens a new window</span></a>, tell them your symptoms and follow their instructions.</li> <li>Go to a <a class="pop_up_warning" href="https://covid-19.ontario.ca/covid-19-test-and-testing-location-information" target="_blank">COVID-19 assessment centre<span class="pop_up_warning_text">Opens a new window</span></a> to get tested.</li> <li>Reduce your contact with others.</li> <li>Isolate yourself at home for 14 days to avoid spreading it to others unless you are going to the testing/assessment centre.</li> <li>If you live with others, stay in a separate room, and keep a 2-metre distance when you must leave your room.</li> <li>Tell people who you were in close physical contact with in the 48 hours before your symptoms began to monitor their health and to self-isolate.</li> </ul> <p><strong>It is important that you do not go to a clinic or Hospital Emergency Room if you have these symptoms.</strong></p> <p>After you have checked your province’s resources and recommendations, you may also use your policy number to access an online or telephone consultation with a doctor through <a class="pop_up_warning" href="/mobiledoctor" target="_blank">www.guard.me/mobiledoctor<span class="pop_up_warning_text">Opens a new window</span></a>.</p>--> <!--<a name="maple"><h2 class="article-emphasis"> mobileDOCTOR SERVICES </h2></a> <p><span class="gm-blue"><strong>mobile</strong></span><span style="color:#4e8236;"><strong>DOCTOR</strong></span> by <span class="gm gm-colored"></span> is available to those who are exhibiting symptoms of COVID-19, as well as other illnesses, and your consultation will be billed directly to <span class="gm gm-colored"></span>.</p> <p><strong>Who can access this service?</strong></p> <ul> <li>International students located in Canada with a valid <span class="gm gm-colored"></span> policy number.</li> <li>Dependants located in Canada with a valid <span class="gm gm-colored"></span> policy number.</li> <li>Recent graduates located in Canada with a valid <span class="gm gm-colored"></span> policy number.</li> <li>Simply follow the steps by registering on Maple <a class="pop_up_warning" href="/mobiledoctor" target="_blank">www.guard.me/mobiledoctor<span class="pop_up_warning_text">Opens a new window</span></a> using your <span class="gm gm-colored"></span> policy number.</li> <li>Request a consultation with a physician and clearly describe your symptoms. If you are concerned about COVID-19 please describe this in the “tell us more” section.</li> </ul> <p><em>Be prepared with a list of your symptoms and how long you have had them, and your travel history information (if applicable).</em></p> <h3 style="margin-top: 15px;" class="article-emphasis"> IMPORTANT RESOURCES TO CONSIDER </h3> <p>The well-being of our Insureds is our number one priority. <span class="gm gm-colored"></span> <strong>International Insurance</strong> will continue to follow this situation and will endeavour to provide timely updates as it evolves. There are many sources of credible information available. It is important to make sure that the information you are accessing is accurate. Please think carefully about the reliability of news sources that you view.</p> <p><strong><em>Provincial Health Advisories (click on your province of study below):</em></strong> <a class="pop_up_warning" href="https://www.alberta.ca/coronavirus-info-for-albertans.aspx" target="_blank">Alberta<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.healthlinkbc.ca/health-feature/coronavirus-disease-covid-19" target="_blank">British Columbia<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.gov.mb.ca/covid19/" target="_blank">Manitoba<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www2.gnb.ca/content/gnb/en/departments/ocmoh/cdc/content/respiratory_diseases/coronavirus.html" target="_blank">New Brunswick<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.gov.nl.ca/covid-19/" target="_blank">Newfoundland and Labrador<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.hss.gov.nt.ca/en/services/coronavirus-disease-covid-19" target="_blank">Northwest Territories<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://novascotia.ca/coronavirus/" target="_blank">Nova Scotia<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.gov.nu.ca/health/information/covid-19-novel-coronavirus" target="_blank">Nunavut<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.ontario.ca/page/2019-novel-coronavirus?_ga=2.230583196.168447802.1584110839-1646616866.1584110839" target="_blank">Ontario<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.princeedwardisland.ca/en/information/health-and-wellness/covid-19-faqs" target="_blank">Prince Edward Island<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.quebec.ca/en/health/health-issues/a-z/2019-coronavirus/" target="_blank">Quebec<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.saskatchewan.ca/government/health-care-administration-and-provider-resources/treatment-procedures-and-guidelines/emerging-public-health-issues/2019-novel-coronavirus" target="_blank">Saskatchewan<span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://yukon.ca/covid-19" target="_blank">Yukon<span class="pop_up_warning_text">Opens a new window</span></a>. </p> <p><strong><em>Government of Canada Travel Advice and Advisories:</em></strong> <a class="pop_up_warning" href="https://travel.gc.ca/travelling/advisories" target="_blank">https://travel.gc.ca/travelling/advisories<span class="pop_up_warning_text">Opens a new window</span></a></p> <p><strong><em>Government of Canada Facts about COVID-19:</em></strong> <a class="pop_up_warning" href="https://www.canada.ca/en/public-health/services/diseases/coronavirus-disease-covid-19.html" target="_blank">Click here<span class="pop_up_warning_text">Opens a new window</span>.</a></p> <p><strong><em>Guidance for post-secondary institutions during the COVID-19 pandemic:</em></strong> <a class="pop_up_warning" href="https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/guidance-documents/covid-19-guidance-post-secondary-institutions-during-pandemic.html" target="_blank">https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/guidance-documents/covid-19-guidance-post-secondary-institutions-during-pandemic.html<span class="pop_up_warning_text">Opens a new window</span></a></p> <p><strong><em>COVID-19 guidance for schools Kindergarten to Grade 12:</em></strong> <a class="pop_up_warning" href="https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/health-professionals/guidance-schools-childcare-programs.html" target="_blank">https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/health-professionals/guidance-schools-childcare-programs.html<span class="pop_up_warning_text">Opens a new window</span></a></p> <h3 style="" class="article-emphasis"> GENERAL INFORMATION AND CLAIMS-RELATED ASSISTANCE </h3> <ul> <li>For general information about your policy, claims and COVID-19 call: <strong>1-905-752-6230</strong> or toll-free <strong>1-877-873-8447</strong> or email at <a class="world-offices-email" href="mailto:customercare@guard.me">customercare@guard.me</a>.</li> <!--<li>While our office is continuing to accept mailed claims, in order to ensure expedient processing of your claims, we kindly ask you to submit your claims and supporting documentation online: <a class="pop_up_warning" href="/claim.php" target="_blank">https://www.guard.me/claim.php<span class="pop_up_warning_text">Opens a new window</span></a></li> <li>For specific claims inquires, please call the Claims Assist line: <strong>1-905-752-6230</strong> or email at: <a class="world-offices-email" href="mailto:customercare@guard.me">customercare@guard.me</a>.</li>--> <!--</ul> <a name="outbound"><h2 id="iifi" class="article-emphasis"> IMPORTANT INFORMATION FOR <span class="gm gm-colored"></span> OUTBOUND INSUREDS </h2></a> <h3 class="article-emphasis"> <span class="gm gm-colored"></span> Global A and B </h3> <p>On February 28th, the Federal Government revised its blanket “Avoid non-essential travel” advisory. This change allows for a wider range of travel outside of Canada. The Travel Advisory ratings provide important guidance to travelers and should be referred to on an ongoing basis while preparing for travel and while at your destination:</p> <p><a class="pop_up_warning" href="https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels" target="_blank">https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels<span class="pop_up_warning_text">Opens a new window</span></a></p> <p>Health Canada stipulates that all travellers who are eligible for COVID-19 vaccines should be fully vaccinated prior to departure. If you are eligible for a vaccine and have not been fully vaccinated, Health Canada is advising you to delay departure until you have received a full course of a vaccine. Additionally, in order to be eligible for cover under a <span class="gm gm-colored"></span> policy, you must meet Health Canada’s vaccine requirements.</p> <p><a class="pop_up_warning" href="https://travel.gc.ca/travelling/health-safety/travel-health-notices/226" target="_blank">https://travel.gc.ca/travelling/health-safety/travel-health-notices/226<span class="pop_up_warning_text">Opens a new window</span></a></p> <p><strong><span class="gm gm-colored"></span> is recommending that its insured travelers supplement their policy with the addition of the COVID-19 Quarantine Coverage Rider.</strong></p> <!-- <p>The government of Canada has lifted travel restrictions for fully vaccinated travellers, which means you may now purchase Global A and B policies with the following general restrictions:</p> <ul style="font-style:italic;"> <li>The traveller must be double vaccinated as per Health Canada requirements. <a class="pop_up_warning" href="https://www.canada.ca/en/health-canada/services/drugs-health-products/covid19-industry/drugs-vaccines-treatments/vaccines.html">https://www.canada.ca/en/health-canada/services/drugs-health-products/covid19-industry/drugs-vaccines-treatments/vaccines.html</a></li> <li>The traveller may only travel to countries designated Level 1 (Exercise Normal Precautions) or Level 2 (Exercise a High Degree of Caution) due to COVID-19 concerns.</li> <li>Travel to countries designated as Level 3 (Avoid Non-Essential Travel) can only be undertaken if the country is designated as Level 3 for non Covid-19 reasons with the addition of a High-Risk Rider and the associated premium.</li> <li>Global A (travel benefits) will only apply if the individual actually is ill due to COVID-19.</li> <li>Global A (travel benefits) will not apply should the risk level change due to the changing risk profile of a country due to COVID-19 restrictions.</li> </ul> <p style="font-style:italic;">Illness related to COVID-19 will be covered under the medical provisions of the policy and subject to the normal language of the policy provided the insured is able to demonstrate acceptable vaccination proof as determined by Health Canada.</p> --> <!--<h3 class="article-emphasis"> Travelling under Excursion Benefit: </h3> <p>You may travel outside of Canada as per your <span class="gm gm-colored"></span> policy Excursion benefit wording. Please refer to your policy for specific Terms and Conditions related to Excursion coverage. The Government of Canada Travel Advisory ratings provide important guidance to travelers and should be referred to on an ongoing basis while preparing for travel and while at your destination: <br> <p><a class="pop_up_warning" href="https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels" target="_blank">https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels<span class="pop_up_warning_text">Opens a new window</span></a></p> </p> <!-- <p>The government of Canada has lifted travel restrictions for fully vaccinated travellers, which means insureds with active guard.me policies that include an <strong>Excursion benefit</strong> will have coverage for emergency medical expenses for outbound travel from Canada as long as:</p> <ol type="a"> <li>The insured meets the policy eligibility requirements;</li> <li>The trip meets the Excursion benefit requirements; </li> <li>The destination meets the government of Canada requirements for outbound travel.</li> </ol> <p>All outbound travel from Canada must meet the following government of Canada requirements:</p> <ul> <li>The traveller must be double vaccinated as per Health Canada requirements. <a class="pop_up_warning" href="https://www.canada.ca/en/health-canada/services/drugs-health-products/covid19-industry/drugs-vaccines-treatments/vaccines.html">https://www.canada.ca/en/health-canada/services/drugs-health-products/covid19-industry/drugs-vaccines-treatments/vaccines.html</a></li> <li>The traveller may only travel to countries designated Level 1 (Exercise Normal Precautions) or Level 2 (Exercise a High Degree of Caution) due to COVID-19 concerns.</li> <li>Travel to countries designated as Level 3 (Avoid Non-Essential Travel) can only be undertaken if the country is designated as Level 3 for non COVID-19 reasons.</li> </ul> --> <!-- <a name="faqs"><h2 class="article-emphasis"> Canada FAQ's</h2></a> <div class="accordion" id="faq-section-2"> <div id="faq-section-2-card_1" class="card"> <div class="card-header" id="heading-faq-section-2-card_1"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_1" aria-expanded="false" aria-controls="collapse-faq-section-2-card_1"> Will new inbound and returning students coming to Canada be eligible to buy a <span class="gm gm-colored"></span> policy? </button> </h5> </div> <div id="collapse-faq-section-2-card_1" class="collapse" aria-labelledby="heading-faq-section-2-card_1" data-parent="#faq-section-2"> <div class="card-body"> <p> Yes, provided the student is admissible to Canada and meets the normal eligibility requirements of the policy e.g. is registered at the school, is under 65 years of age, etc. Students already in Canada who are requesting extensions, and those seeking a <span class="gm gm-colored"></span> policy for the first time, will be required to demonstrate valid insurance coverage within the last 60 days. </p> </div> </div> </div> <div id="faq-section-2-card_2" class="card"> <div class="card-header" id="heading-faq-section-2-card_2"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_2" aria-expanded="false" aria-controls="collapse-faq-section-2-card_2"> What does our <span class="gm gm-colored"></span> policy cover if a student is diagnosed with COVID-19? </button> </h5> </div> <div id="collapse-faq-section-2-card_2" class="collapse" aria-labelledby="heading-faq-section-2-card_2" data-parent="#faq-section-2"> <div class="card-body"> <p> If a student is diagnosed with an illness when they are in Canada, including COVID-19, they are eligible for medically necessary treatment as per the normal terms and conditions of their policy. </p> </div> </div> </div> <div id="faq-section-2-card_3" class="card"> <div class="card-header" id="heading-faq-section-2-card_3"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_3" aria-expanded="false" aria-controls="collapse-faq-section-2-card_3"> What coverage is provided if a student contracts COVID-19 before they depart from their home country? </button> </h5> </div> <div id="collapse-faq-section-2-card_3" class="collapse" aria-labelledby="heading-faq-section-2-card_3" data-parent="#faq-section-2"> <div class="card-body"> <p> If a student was asymptomatic and unaware they had contracted COVID-19 prior to departure and they become ill after their arrival in Canada, they are eligible for medically necessary treatment as per the normal terms and conditions of their policy. </p> <p> If the student was symptomatic or diagnosed with the illness prior to departure, certain preexisting limitations may apply depending on the normal terms and conditions of their policy. </p> </div> </div> </div> <div id="faq-section-2-card_4" class="card"> <div class="card-header" id="heading-faq-section-2-card_4"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_4" aria-expanded="false" aria-controls="collapse-faq-section-2-card_4"> If students or visiting individuals affiliated with an institution arrive prior to the start of classes or their respective appointments, will they be eligible for insurance? </button> </h5> </div> <div id="collapse-faq-section-2-card_4" class="collapse" aria-labelledby="heading-faq-section-2-card_4" data-parent="#faq-section-2"> <div class="card-body"> <p> Yes. There are two ways to purchase insurance for early arrivals: </p> <p> 1. Institutions can enroll students or affiliated individuals directly; or </p> <p>2. Students and affiliated individuals can purchase insurance directly through the institution’s <span class="gm gm-colored"></span> microsite or the main <span class="gm gm-colored"></span> website by completing the form and supplying a copy of the student’s Letter of Acceptance from the school.</p> <p> Individuals will be eligible to purchase the <span class="gm gm-colored"></span> Canada policy at a monthly flat-fee of $60. Policies are effective from the date of purchase until August 31, 2020 and the policies will be non-refundable. </p> </div> </div> </div> <div id="faq-section-2-card_5" class="card"> <div class="card-header" id="heading-faq-section-2-card_5"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_5" aria-expanded="false" aria-controls="collapse-faq-section-2-card_5"> Are the dependents of a primary policyholder eligible for insurance and will they be able to access medical care? </button> </h5> </div> <div id="collapse-faq-section-2-card_5" class="collapse" aria-labelledby="heading-faq-section-2-card_5" data-parent="#faq-section-2"> <div class="card-body"> <p> Yes. Once the primary policyholder has their proof of coverage, dependent policies can be purchased by visiting <a href="https://www.guard.me" target="_blank">www.guard.me</a> or by logging into the school’s custom site. Dependents will have to identify the main policy holder by submitting a copy of their Health Access Card. </p> </div> </div> </div> <div id="faq-section-2-card_6" class="card"> <div class="card-header" id="heading-faq-section-2-card_6"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_6" aria-expanded="false" aria-controls="collapse-faq-section-2-card_6"> Can students upgrade their coverage at an additional cost? </button> </h5> </div> <div id="collapse-faq-section-2-card_6" class="collapse" aria-labelledby="heading-faq-section-2-card_6" data-parent="#faq-section-2"> <div class="card-body"> <p> There is no requirement to upgrade coverage for COVID-19 coverage as it is covered per the normal provisions of the policy. </p> </div> </div> </div> <div id="faq-section-2-card_7" class="card"> <div class="card-header" id="heading-faq-section-2-card_7"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_7" aria-expanded="false" aria-controls="collapse-faq-section-2-card_7"> What would happen if a student is diagnosed with COVID-19 and quarantine is required? </button> </h5> </div> <div id="collapse-faq-section-2-card_7" class="collapse" aria-labelledby="heading-faq-section-2-card_7" data-parent="#faq-section-2"> <div class="card-body"> <p> At the moment self-quarantine is the only option being provided by local and regional health authorities. As a result, insureds will have to make their own arrangements for self-quarantine. </p> </div> </div> </div> <div id="faq-section-2-card_8" class="card"> <div class="card-header" id="heading-faq-section-2-card_8"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_8" aria-expanded="false" aria-controls="collapse-faq-section-2-card_8"> If a homestay family is not willing to allow the student to stay with them after being diagnosed with COVID-19, where would they go? </button> </h5> </div> <div id="collapse-faq-section-2-card_8" class="collapse" aria-labelledby="heading-faq-section-2-card_8" data-parent="#faq-section-2"> <div class="card-body"> <p> Alternate accommodation for the purpose of self-quarantine is not a provision of <span class="gm gm-colored"></span> policies. Partners are encouraged to review their own internal policies and procedures and put the appropriate protocols in place. </p> </div> </div> <div id="faq-section-2-card_9" class="card"> <div class="card-header" id="heading-faq-section-2-card_9"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_9" aria-expanded="false" aria-controls="collapse-faq-section-2-card_9"> If a policyholder needs medical treatment for a long period of time and needs a guardian to stay with him/her at the hospital, would this cost be covered? </button> </h5> </div> <div id="collapse-faq-section-2-card_9" class="collapse" aria-labelledby="heading-faq-section-2-card_9" data-parent="#faq-section-2"> <div class="card-body"> <p> Policies issued by <span class="gm gm-colored"></span> have defined benefits and provisions for family transportation and these would still apply. They are outlined in the normal terms and conditions of the policy. Guardians and custodians are not eligible for these benefits. </p> </div> </div> </div> <div id="faq-section-2-card_10" class="card"> <div class="card-header" id="heading-faq-section-2-card_10"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_10" aria-expanded="false" aria-controls="collapse-faq-section-2-card_10"> If a policyholder is not in a hospital, but in quarantine or under medical supervision as an outpatient, would the cost be covered? </button> </h5> </div> <div id="collapse-faq-section-2-card_10" class="collapse" aria-labelledby="heading-faq-section-2-card_10" data-parent="#faq-section-2"> <div class="card-body"> <p> As with any sickness, home care is the responsibility of the policyholder. On occasion, in severe cases, home care may be eligible under the policy terms and conditions, however, this would likely be subsequent to hospitalization. </p> </div> </div> </div> <div id="faq-section-2-card_11" class="card"> <div class="card-header" id="heading-faq-section-2-card_11"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_11" aria-expanded="false" aria-controls="collapse-faq-section-2-card_11"> If a policyholder’s travel plans are impacted by actions taken to contain the virus (including grounding of all flights, for example) and the policyholder is required to make new flight reservations, are these changes covered? </button> </h5> </div> <div id="collapse-faq-section-2-card_11" class="collapse" aria-labelledby="heading-faq-section-2-card_11" data-parent="#faq-section-2"> <div class="card-body"> <p> No, the insurance policies selected by our partners for inbound students do not include travel benefits designed to cover trip cancellations, interruptions or delays. If a student’s policy expires during such a time, they are eligible to extend their coverage and pay the additional premium. </p> </div> </div> </div> <div id="faq-section-2-card_9" class="card"> <div class="card-header" id="heading-faq-section-2-card_12"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_12" aria-expanded="false" aria-controls="collapse-faq-section-2-card_12"> If I am an international student studying in Canada and the government of my home country has instructed me to leave Canada early and return, will I be eligible for benefits that cover the fee for changing my airline/travel tickets? </button> </h5> </div> <div id="collapse-faq-section-2-card_12" class="collapse" aria-labelledby="heading-faq-section-2-card_12" data-parent="#faq-section-2"> <div class="card-body"> <p> No. Inbound policies do not include benefits designed to cover trip cancellation, interruption and delay. </p> </div> </div> </div> <div id="faq-section-2-card_9" class="card"> <div class="card-header" id="heading-faq-section-2-card_13"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_13" aria-expanded="false" aria-controls="collapse-faq-section-2-card_13"> If a policy holder returns home and contracts COVID-19 during their travels, will this be covered under the policy? </button> </h5> </div> <div id="collapse-faq-section-2-card_13" class="collapse" aria-labelledby="heading-faq-section-2-card_13" data-parent="#faq-section-2"> <div class="card-body"> <p> If, for any reason, a student returns to their home country they are subject to the “home country exclusion” and will not be eligible for reimbursement under the terms and conditions of the policy. COVID-19 will be treated like any other illness in this situation. </p> </div> </div> </div> <div id="faq-section-2-card_9" class="card"> <div class="card-header" id="heading-faq-section-2-card_14"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_14" aria-expanded="false" aria-controls="collapse-faq-section-2-card_14"> I have a <span class="gm gm-colored"></span> plan that allows for Excursions outside of Canada – will I be covered? </button> </h5> </div> <div id="collapse-faq-section-2-card_14" class="collapse" aria-labelledby="heading-faq-section-2-card_14" data-parent="#faq-section-2"> <div class="card-body"> <p> As the Government of Canada has restricted travel into and out of Canada, we will no longer be offering coverage for any Outbound Excursions; this will be re-evaluated continuously until the travel restrictions are lifted. </p> </div> </div> </div> </div> </div> --> <!--<a name="faqs-schools"><h2 class="article-emphasis"> <a class="pop_up_warning" href="https://www.guard.me/faqs.php" target="_blank">Frequently Asked Questions<span class="pop_up_warning_text">Opens a new window</span></a> – Schools/Homestays</h2> <h3>Impact of COVID-19 on INBOUND Students/Dependents on <span class="gm gm-colored"></span> policies</h3> <p>We have received numerous questions regarding <span class="gm gm-colored"></span> policies and coverage for illnesses related to COVID-19. We begin by stressing that all the provisions of our policies for inbound (to Canada) coverage remain in force and there are no special conditions or exclusions due to the prevalence of the virus. Policies provide cover for new, emergent medical conditions that first start after the policy effective date.</p> <p>The well-being of our Insureds is our number one priority. <span class="gm gm-colored"></span> International Insurance will continue to follow this situation and will endeavour to provide timely updates as it evolves.</p> <div class="accordion" id="faq-section-2"> <div id="faq-section-2-card_1" class="card"> <div class="card-header" id="heading-faq-section-2-card_1"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_1" aria-expanded="false" aria-controls="collapse-faq-section-2-card_1"> Will new inbound and returning students coming to Canada be eligible to buy a <span class="gm gm-colored"></span> policy? </button> </h5> </div> <div id="collapse-faq-section-2-card_1" class="collapse" aria-labelledby="heading-faq-section-2-card_1" data-parent="#faq-section-2"> <div class="card-body"> <p> Yes, provided the student is admissible to Canada and meets the normal eligibility requirements of the policy e.g. is registered at the school, and is under 65 years of age, etc. </p> </div> </div> </div> <div id="faq-section-2-card_2" class="card"> <div class="card-header" id="heading-faq-section-2-card_2"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_2" aria-expanded="false" aria-controls="collapse-faq-section-2-card_2"> What do <span class="gm gm-colored"></span> policies cover if a student is diagnosed with COVID-19? </button> </h5> </div> <div id="collapse-faq-section-2-card_2" class="collapse" aria-labelledby="heading-faq-section-2-card_2" data-parent="#faq-section-2"> <div class="card-body"> <p> If a student is diagnosed with an eligible sickness when they are in Canada, including COVID-19, they are covered for medically necessary treatment as per the normal terms and conditions of their policy. </p> </div> </div> </div> <div id="faq-section-2-card_3" class="card"> <div class="card-header" id="heading-faq-section-2-card_3"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_3" aria-expanded="false" aria-controls="collapse-faq-section-2-card_3"> Do <span class="gm gm-colored"></span> policies cover asymptomatic testing and screening for COVID-19? </button> </h5> </div> <div id="collapse-faq-section-2-card_3" class="collapse" aria-labelledby="heading-faq-section-2-card_3" data-parent="#faq-section-2"> <div class="card-body"> <p> <span class="gm gm-colored"></span> policies cover medically necessary services required to treat emergency sickness, including COVID-19, and that are necessary for the relief of pain and suffering. The following rules are normally applied to COVID-19 testing and screening: </p><br> <ul> <li>Medically necessary treatment when the insured is symptomatic is covered, including testing when part of an active medical investigation. </li> <li>COVID-19 testing when the insured is asymptomatic is NOT covered. </li> <li>COVID-19 testing when the insured has been exposed to someone with COVID-19 and is asymptomatic is NOT covered.</li> <li>COVID-19 screening or visits for employment, educational purposes, or medical clearance to fly are NOT covered.</li> <li>Students not in quarantine may visit a COVID Assessment Centre (CAC) where patients can be assessed and tested for COVID-19 whether they are sick or not; these CAC are funded by the Provincial Government. Students visiting a CAC location should NOT present their <span class="gm gm-colored"></span> Policy ID. They should inform the CAC staff member that their private insurance does NOT cover any screening, including COVID-19 testing.</li> </ul> </div> </div> </div> <div id="faq-section-2-card_4" class="card"> <div class="card-header" id="heading-faq-section-2-card_4"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_4" aria-expanded="false" aria-controls="collapse-faq-section-2-card_4"> Do <span class="gm gm-colored"></span> policies cover Government of Canada required Pre-departure COVID-19 testing? </button> </h5> </div> <div id="collapse-faq-section-2-card_4" class="collapse" aria-labelledby="heading-faq-section-2-card_4" data-parent="#faq-section-2"> <div class="card-body"> <p> <span class="gm gm-colored"></span> policies cover medically necessary services required to treat emergency sickness, including COVID-19, and that are necessary for the relief of pain and suffering. This is <strong>a non-emergency test</strong> that will need to be administered in the student’s country of origin, and as such, is not eligible under <span class="gm gm-colored"></span> policies. Please note: Any request for subsequent non-emergency tests while in the government prescribed quarantine period are not eligible expenses; any non-emergency tests required by a third party are not eligible expenses. </p> </div> </div> </div> <div id="faq-section-2-card_5" class="card"> <div class="card-header" id="heading-faq-section-2-card_5"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_5" aria-expanded="false" aria-controls="collapse-faq-section-2-card_5"> Will <span class="gm gm-colored"></span> insurance cover a student if they are required by the Province they are residing in, to be tested or assessed for COVID-19 while in, or before the end of the quarantine period? </button> </h5> </div> <div id="collapse-faq-section-2-card_5" class="collapse" aria-labelledby="heading-faq-section-2-card_5" data-parent="#faq-section-2"> <div class="card-body"> <p> No. A test that is not medically necessary or required to treat an emergent sickness will not be covered. A request for asymptomatic testing made by a third party is also not covered by <span class="gm gm-colored"></span> policies. The following link is to the Canadian Government COVID-19 resources website where the student can take a self assessment test, find out more information about testing in the Province in which they are residing and other useful information about COVID-19: </p> <p> <a class="pop_up_warning" href="https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/symptoms/provincial-territorial-resources-covid-19.html" target="_blank">https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/symptoms/provincial-territorial-resources-covid-19.html<span class="pop_up_warning_text">Opens a new window</span></a> </p> </div> </div> </div> <div id="faq-section-2-card_6" class="card"> <div class="card-header" id="heading-faq-section-2-card_6"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_6" aria-expanded="false" aria-controls="collapse-faq-section-2-card_6"> What coverage is provided if a student contracts COVID-19 before they depart from their home country? </button> </h5> </div> <div id="collapse-faq-section-2-card_6" class="collapse" aria-labelledby="heading-faq-section-2-card_6" data-parent="#faq-section-2"> <div class="card-body"> <p> If a student was asymptomatic and was unaware that they had contracted COVID-19 prior to departure and becomes ill after they arrive in Canada, they are eligible for medically necessary treatment as per the normal terms and conditions of their policy. If the student was symptomatic or diagnosed with the illness prior to departure, certain pre-existing limitations may apply depending on the normal terms and conditions of their policy. </p> </div> </div> </div> <div id="faq-section-2-card_7" class="card"> <div class="card-header" id="heading-faq-section-2-card_7"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_7" aria-expanded="false" aria-controls="collapse-faq-section-2-card_7"> If students or visiting individuals affiliated with an institution arrive prior to the start of classes or their respective appointments, will they be eligible for insurance? </button> </h5> </div> <div id="collapse-faq-section-2-card_7" class="collapse" aria-labelledby="heading-faq-section-2-card_7" data-parent="#faq-section-2"> <div class="card-body"> <p>Yes. There are two ways to purchase insurance for early arrivals: </p> <p> <ul> <li>Institutions can enroll students or affiliated individuals directly;</li> <li>Students and affiliated individuals can purchase insurance directly through the institution’s <span class="gm gm-colored"></span> microsite or via the main <span class="gm gm-colored"></span> website by completing the online form.</li> </ul> </p> </div> </div> </div> <div id="faq-section-2-card_8" class="card"> <div class="card-header" id="heading-faq-section-2-card_8"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_8" aria-expanded="false" aria-controls="collapse-faq-section-2-card_8"> Are the dependents of a primary insured eligible for insurance? </button> </h5> </div> <div id="collapse-faq-section-2-card_8" class="collapse" aria-labelledby="heading-faq-section-2-card_8" data-parent="#faq-section-2"> <div class="card-body"> <p> Yes, dependents are eligible for coverage. Once the primary insured student has their proof of coverage, dependent policies can be purchased by visiting the institution’s <span class="gm gm-colored"></span> microsite or via the main <span class="gm gm-colored"></span> website. Dependents will have to identify the primary policy holder by providing their policy number when they apply. </p> </div> </div> </div> <div id="faq-section-2-card_9" class="card"> <div class="card-header" id="heading-faq-section-2-card_9"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_9" aria-expanded="false" aria-controls="collapse-faq-section-2-card_9"> Can students upgrade their coverage at an additional cost? </button> </h5> </div> <div id="collapse-faq-section-2-card_9" class="collapse" aria-labelledby="heading-faq-section-2-card_9" data-parent="#faq-section-2"> <div class="card-body"> <p> There is no requirement to upgrade coverage for COVID-19. Should an insured contract COVID-19, this illness will be covered as per the normal terms and conditions of their policy. </p> </div> </div> <div id="faq-section-2-card_10" class="card"> <div class="card-header" id="heading-faq-section-2-card_10"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_10" aria-expanded="false" aria-controls="collapse-faq-section-2-card_10"> Is there any cover under <span class="gm gm-colored"></span> policies for mandatory quarantine expenses? </button> </h5> </div> <div id="collapse-faq-section-2-card_10" class="collapse" aria-labelledby="heading-faq-section-2-card_10" data-parent="#faq-section-2"> <div class="card-body"> <p> In almost all cases, a period of quarantine is now being required or recommended by government health authorities. As a result, all students will need to make their own arrangements for self-quarantine, as they are required by law to follow the quarantine instructions that have been provided to them by their institution. Penalties may be applied to individuals who do not comply with the requirement to self-quarantine. </p> </div> </div> </div> <div id="faq-section-2-card_11" class="card"> <div class="card-header" id="heading-faq-section-2-card_11"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_11" aria-expanded="false" aria-controls="collapse-faq-section-2-card_11"> If a homestay family is not willing to allow the student to stay with them after being diagnosed with COVID-19, where would the student go? </button> </h5> </div> <div id="collapse-faq-section-2-card_11" class="collapse" aria-labelledby="heading-faq-section-2-card_11" data-parent="#faq-section-2"> <div class="card-body"> <p> Alternate accommodation for the purpose of self-isolation is not a provision of <span class="gm gm-colored"></span> policies. Partners are encouraged to review their own internal policies and procedures and put the appropriate protocols in place. </p> </div> </div> </div> <div id="faq-section-2-card_12" class="card"> <div class="card-header" id="heading-faq-section-2-card_12"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_12" aria-expanded="false" aria-controls="collapse-faq-section-2-card_12"> If a student needs medical treatment for a long period of time and needs a guardian to stay with him/her at the hospital, would this cost be covered? </button> </h5> </div> <div id="collapse-faq-section-2-card_12" class="collapse" aria-labelledby="heading-faq-section-2-card_12" data-parent="#faq-section-2"> <div class="card-body"> <p> Policies issued by <span class="gm gm-colored"></span> have defined benefits and provisions for family transportation to the student’s bedside in the event of prolonged hospitalization and these would still apply. They are outlined in the normal terms and conditions of the policy. Guardians and custodians are not eligible for these benefits. </p> </div> </div> </div> <div id="faq-section-2-card_13" class="card"> <div class="card-header" id="heading-faq-section-2-card_13"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_13" aria-expanded="false" aria-controls="collapse-faq-section-2-card_13"> If a student is not in a hospital, but in quarantine, self-isolation or under medical supervision as an outpatient, would the cost for private duty nursing care be covered? </button> </h5> </div> <div id="collapse-faq-section-2-card_13" class="collapse" aria-labelledby="heading-faq-section-2-card_13" data-parent="#faq-section-2"> <div class="card-body"> <p> As with any sickness, home care is the responsibility of the student. On occasion, in severe cases, home nursing care may be eligible under the terms and conditions of the policy, usually subsequent to hospitalization. </p> </div> </div> </div> <div id="faq-section-2-card_14" class="card"> <div class="card-header" id="heading-faq-section-2-card_14"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_14" aria-expanded="false" aria-controls="collapse-faq-section-2-card_14"> If a student’s travel plans are impacted by actions taken to contain the virus (including grounding of all flights, for example) and the student is required to make new flight reservations, are these changes covered? </button> </h5> </div> <div id="collapse-faq-section-2-card_14" class="collapse" aria-labelledby="heading-faq-section-2-card_14" data-parent="#faq-section-2"> <div class="card-body"> <p> No, the insurance policies selected by our partners for inbound students do not include travel benefits designed to cover trip cancellations, interruptions, or delays. If a student’s policy expires during such a time, they are eligible to extend their coverage and pay the additional premium. </p> </div> </div> </div> <div id="faq-section-2-card_15" class="card"> <div class="card-header" id="heading-faq-section-2-card_15"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_15" aria-expanded="false" aria-controls="collapse-faq-section-2-card_15"> Will a student be eligible for a refund if the student has an active <span class="gm gm-colored"></span> policy but has been denied entry to Canada or is unable to embark at their point of departure? </button> </h5> </div> <div id="collapse-faq-section-2-card_15" class="collapse" aria-labelledby="heading-faq-section-2-card_15" data-parent="#faq-section-2"> <div class="card-body"> <p> Yes. Students who are unable to embark at their point of departure, enter Canada, or return to Canada will be eligible to apply for a cancellation and refund. No validation is required but, we do require notification within 10 days of the start of the policy for individual purchases, and within six-weeks from the start of the term for enrollments submitted by institutions. Late requests will be subject to pro-rated ‘refunds’. A wait-period of 30 days will be in effect in some cases to determine whether claims have been made against the policy. If claims have been submitted, no refund can be assessed. </p> </div> </div> </div> <div id="faq-section-2-card_16" class="card"> <div class="card-header" id="heading-faq-section-2-card_16"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_16" aria-expanded="false" aria-controls="collapse-faq-section-2-card_16"> Are there benefits that cover the change fee for an airline/travel tickets should an international student studying in Canada be instructed by the government of their home country to return home early from Canada? </button> </h5> </div> <div id="collapse-faq-section-2-card_16" class="collapse" aria-labelledby="heading-faq-section-2-card_16" data-parent="#faq-section-2"> <div class="card-body"> <p> No. Inbound policies provide medical cover and do not include benefits designed to cover trip cancellation, interruption and delay. </p> </div> </div> </div> <div id="faq-section-2-card_17" class="card"> <div class="card-header" id="heading-faq-section-2-card_17"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_17" aria-expanded="false" aria-controls="collapse-faq-section-2-card_17"> If a student returns home and contracts COVID-19 during their travels, will this be covered under their policy? </button> </h5> </div> <div id="collapse-faq-section-2-card_17" class="collapse" aria-labelledby="heading-faq-section-2-card_17" data-parent="#faq-section-2"> <div class="card-body"> <p> If, for any reason, a student returns to their home country they would be subject to the “home country exclusion” and would not be eligible for reimbursement under the terms and conditions of the policy, whether COVID-19 or any other illness. </p> </div> </div> </div> <div id="faq-section-2-card_18" class="card"> <div class="card-header" id="heading-faq-section-2-card_18"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_18" aria-expanded="false" aria-controls="collapse-faq-section-2-card_18"> Are students covered for the Excursions outside of Canada under the <span class="gm gm-colored"></span> policy? </button> </h5> </div> <div id="collapse-faq-section-2-card_18" class="collapse" aria-labelledby="heading-faq-section-2-card_18" data-parent="#faq-section-2"> <div class="card-body"> <p> <p> You may travel outside of Canada as per your <span class="gm gm-colored"></span> policy Excursion benefit wording. Please refer to your policy for specific Terms and Conditions related to Excursion coverage. The Government of Canada Travel Advisory ratings provide important guidance to travelers and should be referred to on an ongoing basis while preparing for travel and while at your destination:<br/> <p><a class="pop_up_warning" href="https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels" target="_blank">https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels<span class="pop_up_warning_text">Opens a new window</span></a></p> </p> </p> <!--<p> The government of Canada has lifted travel restrictions for fully vaccinated travellers, which means insureds with active <span class="gm gm-colored"></span> policies that include an Excursion benefit will have coverage for emergency medical expenses for outbound travel from Canada as long as they meet the policy and government of Canada requirements.<br><br> <a href="#iifi">IMPORTANT INFORMATION FOR OUTBOUND <span class="gm gm-colored"></span> INSUREDS</a> </p>--> <!--</div> </div> </div> </div> </div> <!--<img alt="icon-pdf" style="margin:0px 0px 5px 0px;" src="/res/imgs/icons/icon-pdf.png"> <a aria-label="Opens a new windowFrequently Asked Questions – Schools/Homestays" href='https://dispatch.guard.me/docs.php?pin=0n%2FnpmPjCkRebH7TIUFPgyoVHeP5Tp7LdTx0LUbkdG%2B1OOiM7TW7JrODAj0%3D&date=1740891600' class=" pop_up_warning " title='Frequently Asked Questions – Schools/Homestays' target="_blank" ><span class="pop_up_warning_text">Opens a new window</span>Frequently Asked Questions – Schools/Homestays</a>--> <!--<br> <a name="faqs-students"><h2 class="article-emphasis"> <a class="pop_up_warning" href="https://www.guard.me/faqs.php" target="_blank">Frequently Asked Questions<span class="pop_up_warning_text">Opens a new window</span></a>- Students</h2></a> <h3>Impact of COVID-19 on INBOUND Students/Dependents on <span class="gm gm-colored"></span> policies</h3> <p>We have received numerous questions regarding <span class="gm gm-colored"></span> policies and coverage for illnesses related to COVID-19. We begin by stressing that all the provisions of our policies for inbound (to Canada) coverage remain in force and there are no special conditions or exclusions due to the prevalence of the virus. Policies provide cover for new, emergent medical conditions that first start after the policy effective date.</p> <p>The well-being of our Insureds is our number one priority. <span class="gm gm-colored"></span> International Insurance will continue to follow this situation and will endeavour to provide timely updates as it evolves.</p> <div class="accordion" id="faq-section-2"> <div id="faq-section-2-card_18" class="card"> <div class="card-header" id="heading-faq-section-2-card_18"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_18" aria-expanded="false" aria-controls="collapse-faq-section-2-card_18"> What does my <span class="gm gm-colored"></span> policy cover if I am diagnosed with COVID-19? </button> </h5> </div> <div id="collapse-faq-section-2-card_18" class="collapse" aria-labelledby="heading-faq-section-2-card_18" data-parent="#faq-section-2"> <div class="card-body"> <p> If you are diagnosed with an eligible sickness when you are in Canada, including COVID-19, you are covered for medically necessary treatment as per the normal terms and conditions of their policy. </p> </div> </div> </div> <div id="faq-section-2-card_19" class="card"> <div class="card-header" id="heading-faq-section-2-card_19"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_19" aria-expanded="false" aria-controls="collapse-faq-section-2-card_19"> Does my <span class="gm gm-colored"></span> policy cover asymptomatic testing and screening for COVID-19? </button> </h5> </div> <div id="collapse-faq-section-2-card_19" class="collapse" aria-labelledby="heading-faq-section-2-card_19" data-parent="#faq-section-2"> <div class="card-body"> <p> <span class="gm gm-colored"></span> policies cover medically necessary services required to treat emergency sickness, including COVID-19, and that are necessary for the relief of pain and suffering. The following rules are normally applied to COVID-19 testing and screening: </p><br> <ul> <li>Medically necessary treatment when the insured is symptomatic is covered, including testing when part of an active medical investigation. </li> <li>COVID-19 testing when the insured is asymptomatic is NOT covered. </li> <li>COVID-19 testing when the insured has been exposed to someone with COVID-19 and is asymptomatic is NOT covered.</li> <li>COVID-19 screening or visits for employment, educational purposes, or medical clearance to fly are NOT covered.</li> <li>If you are not in quarantine, you may visit a COVID Assessment Centre (CAC) where patients can be assessed and tested for COVID-19 whether they are sick or not; these CAC are funded by the Provincial Government. If you visit a CAC location do NOT present your <span class="gm gm-colored"></span> Policy ID. You should inform the CAC staff member that your private insurance does NOT cover any screening, including COVID-19 testing. </li> </ul> </div> </div> </div> <div id="faq-section-2-card_20" class="card"> <div class="card-header" id="heading-faq-section-2-card_20"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_20" aria-expanded="false" aria-controls="collapse-faq-section-2-card_20"> Will my <span class="gm gm-colored"></span> insurance cover any COVID-19 testing and assessments while I am in, or before I end, quarantine? </button> </h5> </div> <div id="collapse-faq-section-2-card_20" class="collapse" aria-labelledby="heading-faq-section-2-card_20" data-parent="#faq-section-2"> <div class="card-body"> <p> No. A test that is not medically necessary or required to treat an emergent sickness will not be covered. A request for asymptomatic testing made by a third party is also not covered by your <span class="gm gm-colored"></span> policy. The following link is to the Canadian Government COVID-19 resources website where you can take a self assessment test, find out more information about testing in the Province in which you are residing and other useful information about COVID-19: </p> <p> <a class="pop_up_warning" href="https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/symptoms/provincial-territorial-resources-covid-19.html" target="_blank">https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/symptoms/provincial-territorial-resources-covid-19.html<span class="pop_up_warning_text">Opens a new window</span></a> </p> </div> </div> </div> <div id="faq-section-2-card_4" class="card"> <div class="card-header" id="heading-faq-section-2-card_4"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_4" aria-expanded="false" aria-controls="collapse-faq-section-2-card_4"> Does my <span class="gm gm-colored"></span> policy cover Government of Canada required Pre-departure COVID-19 testing? </button> </h5> </div> <div id="collapse-faq-section-2-card_4" class="collapse" aria-labelledby="heading-faq-section-2-card_4" data-parent="#faq-section-2"> <div class="card-body"> <p> <span class="gm gm-colored"></span> policies cover medically necessary services required to treat emergency sickness, including COVID-19, and that are necessary for the relief of pain and suffering. This is <strong>a non-emergency test</strong> that will need to be administered in your country of origin, and as such, is not eligible under <span class="gm gm-colored"></span> policies. Please note: Any request for subsequent non-emergency tests while in the government prescribed quarantine period are not eligible expenses; any non-emergency tests required by a third party are not eligible expenses. </p> </div> </div> </div> <div id="faq-section-2-card_21" class="card"> <div class="card-header" id="heading-faq-section-2-card_21"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_21" aria-expanded="false" aria-controls="collapse-faq-section-2-card_21"> What coverage is provided if I contract COVID-19 before I depart from my home country? </button> </h5> </div> <div id="collapse-faq-section-2-card_21" class="collapse" aria-labelledby="heading-faq-section-2-card_21" data-parent="#faq-section-2"> <div class="card-body"> <p> If you are asymptomatic and unaware that you had contracted COVID-19 prior to departure and become ill after you arrive in Canada, you are eligible for medically necessary treatment as per the normal terms and conditions of your policy. If you were symptomatic or diagnosed with the illness prior to departure, certain pre-existing limitations may apply depending on the normal terms and conditions of your policy. </p> </div> </div> </div> <div id="faq-section-2-card_22" class="card"> <div class="card-header" id="heading-faq-section-2-card_22"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_22" aria-expanded="false" aria-controls="collapse-faq-section-2-card_22"> If I arrive prior to the start of classes or my respective appointments, will I be eligible for insurance? </button> </h5> </div> <div id="collapse-faq-section-2-card_22" class="collapse" aria-labelledby="heading-faq-section-2-card_22" data-parent="#faq-section-2"> <div class="card-body"> <p> Yes. There are two ways to purchase insurance for early arrivals: </p> <ul> <li>Institutions can enroll students or affiliated individuals directly – check with your school;</li> <li>Students and affiliated individuals can purchase insurance directly through the institution’s <span class="gm gm-colored"></span> microsite or via the main <span class="gm gm-colored"></span> website by completing the form.</li> </ul> </div> </div> </div> <div id="faq-section-2-card_23" class="card"> <div class="card-header" id="heading-faq-section-2-card_23"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_23" aria-expanded="false" aria-controls="collapse-faq-section-2-card_23"> Once I buy <span class="gm gm-colored"></span> insurance are my dependents eligible for insurance? </button> </h5> </div> <div id="collapse-faq-section-2-card_23" class="collapse" aria-labelledby="heading-faq-section-2-card_23" data-parent="#faq-section-2"> <div class="card-body"> <p> Yes, dependents are eligible for coverage. Once the primary insured student has their proof of coverage, dependent policies can be purchased by visiting the institution’s <span class="gm gm-colored"></span> microsite or via the main <span class="gm gm-colored"></span> website. Dependents will have to identify the primary policy holder by providing their policy number when they apply. </p> </div> </div> </div> <div id="faq-section-2-card_24" class="card"> <div class="card-header" id="heading-faq-section-2-card_24"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_24" aria-expanded="false" aria-controls="collapse-faq-section-2-card_24"> Is there any cover under the <span class="gm gm-colored"></span> policy for mandatory quarantine expenses? </button> </h5> </div> <div id="collapse-faq-section-2-card_24" class="collapse" aria-labelledby="heading-faq-section-2-card_24" data-parent="#faq-section-2"> <div class="card-body"> <p> In almost all cases, a period of quarantine is now being required or recommended by government health authorities. As a result, you will need to make your own arrangements for self-quarantine, as you are required by law to follow the quarantine instructions that have been provided to you by your institution. Penalties may be applied to individuals who do not comply with the requirement to self-quarantine. </p> </div> </div> </div> <div id="faq-section-2-card_25" class="card"> <div class="card-header" id="heading-faq-section-2-card_25"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_25" aria-expanded="false" aria-controls="collapse-faq-section-2-card_25"> If I am not in a hospital, but in quarantine, self-isolation or under medical supervision as an outpatient, would the cost for private duty nursing care be covered? </button> </h5> </div> <div id="collapse-faq-section-2-card_25" class="collapse" aria-labelledby="heading-faq-section-2-card_25" data-parent="#faq-section-2"> <div class="card-body"> <p> As with any sickness, home care is your responsibility. On occasion, in severe cases, home nursing care may be eligible under the terms and conditions of the policy, usually subsequent to hospitalization. </p> </div> </div> <div id="faq-section-2-card_26" class="card"> <div class="card-header" id="heading-faq-section-2-card_26"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_26" aria-expanded="false" aria-controls="collapse-faq-section-2-card_26"> If my homestay family does not allow me to stay with them after being diagnosed with COVID-19, would accommodation elsewhere be covered by the policy? </button> </h5> </div> <div id="collapse-faq-section-2-card_26" class="collapse" aria-labelledby="heading-faq-section-2-card_26" data-parent="#faq-section-2"> <div class="card-body"> <p> No. Alternate accommodation for the purpose of self-isolation is not a provision of <span class="gm gm-colored"></span> policies. Policy holders in this situation should contact their home institution or school to initiate the protocols that will be in place to manage this scenario. </p> </div> </div> </div> <div id="faq-section-2-card_27" class="card"> <div class="card-header" id="heading-faq-section-2-card_27"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_27" aria-expanded="false" aria-controls="collapse-faq-section-2-card_27"> If my travel plans are impacted by actions taken to contain the virus (including grounding of all flights, for example) and I am required to make new flight reservations, are these changes covered? </button> </h5> </div> <div id="collapse-faq-section-2-card_27" class="collapse" aria-labelledby="heading-faq-section-2-card_27" data-parent="#faq-section-2"> <div class="card-body"> <p> No, the insurance policies for inbound students provide medical cover and do not include travel benefits designed to cover trip cancellations, interruptions, or delays. If your policy expires during such a time, you are eligible to extend your coverage and pay the additional premium. </p> </div> </div> </div> <div id="faq-section-2-card_28" class="card"> <div class="card-header" id="heading-faq-section-2-card_28"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_28" aria-expanded="false" aria-controls="collapse-faq-section-2-card_28"> Will I be eligible for a refund if I have an active <span class="gm gm-colored"></span> policy but I have been denied entry to Canada or I am unable to embark at my point of departure? </button> </h5> </div> <div id="collapse-faq-section-2-card_28" class="collapse" aria-labelledby="heading-faq-section-2-card_28" data-parent="#faq-section-2"> <div class="card-body"> <p> Yes. Students who are unable to embark at their point of departure, enter Canada, or return to Canada will be eligible to apply for a cancellation and refund. No validation is required but, we do require notification within 10 days of the start of the policy for individual purchases, and within six-weeks from the start of the term for enrolments submitted by institutions. Late requests will be subject to pro-rated ‘refunds’. A wait-period of 30 days will be in effect in some cases to determine whether claims have been made against the policy. If claims have been submitted, no refund can be assessed. For more information, please refer to the policy wording. If you purchased your policy through an institution, you must contact them directly. </p> </div> </div> </div> <div id="faq-section-2-card_29" class="card"> <div class="card-header" id="heading-faq-section-2-card_29"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_29" aria-expanded="false" aria-controls="collapse-faq-section-2-card_29"> If I am an international student studying in Canada and the government of my home country has instructed me to leave Canada early and return home, are there benefits that cover the fee for changing my airline/travel tickets? </button> </h5> </div> <div id="collapse-faq-section-2-card_29" class="collapse" aria-labelledby="heading-faq-section-2-card_29" data-parent="#faq-section-2"> <div class="card-body"> <p> No. Inbound policies provide medical cover and do not include benefits designed to cover trip cancellation, interruption and delay. </p> </div> </div> </div> <div id="faq-section-2-card_30" class="card"> <div class="card-header" id="heading-faq-section-2-card_30"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_30" aria-expanded="false" aria-controls="collapse-faq-section-2-card_30"> If I return home and contract COVID-19 during my travels, will this be covered under my policy? </button> </h5> </div> <div id="collapse-faq-section-2-card_30" class="collapse" aria-labelledby="heading-faq-section-2-card_30" data-parent="#faq-section-2"> <div class="card-body"> <p> If, for any reason, you return to your home country you are subject to the “home country exclusion” and will not be eligible for reimbursement under the terms and conditions of the policy, whether COVID-19 or any other illness. </p> </div> </div> </div> <div id="faq-section-2-card_31" class="card"> <div class="card-header" id="heading-faq-section-2-card_31"> <h5 class="mb-0"> <button class="btn btn-link collapsed" type="button" data-toggle="collapse" data-target="#collapse-faq-section-2-card_31" aria-expanded="false" aria-controls="collapse-faq-section-2-card_31"> Will I be covered for any Excursions outside of Canada under my <span class="gm gm-colored"></span> policy? </button> </h5> </div> <div id="collapse-faq-section-2-card_31" class="collapse" aria-labelledby="heading-faq-section-2-card_31" data-parent="#faq-section-2"> <div class="card-body"> <p> You may travel outside of Canada as per your <span class="gm gm-colored"></span> policy Excursion benefit wording. Please refer to your policy for specific Terms and Conditions related to Excursion coverage. The Government of Canada Travel Advisory ratings provide important guidance to travelers and should be referred to on an ongoing basis while preparing for travel and while at your destination:<br/> <p><a class="pop_up_warning" href="https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels" target="_blank">https://travel.gc.ca/travelling/health-safety/travel-health-notices#risklevels<span class="pop_up_warning_text">Opens a new window</span></a></p> </p> <!--<p> The government of Canada has lifted travel restrictions for fully vaccinated travellers, which means insureds with active guard.me policies that include an <strong>Excursion benefit</strong> will have coverage for emergency medical expenses for outbound travel from Canada as long as they meet the policy and government of Canada requirements.<br><br> <a href="#iifi">IMPORTANT INFORMATION FOR OUTBOUND <span class="gm gm-colored"></span> INSUREDS</a> </p>--> <!-- </div> </div> </div> </div> </div> <!--<img alt="icon-pdf" style="margin:0px 0px 5px 0px;" src="/res/imgs/icons/icon-pdf.png"> <a aria-label="Opens a new windowFrequently Asked Questions – Students" href='https://dispatch.guard.me/docs.php?pin=axl2zOEesDaqzyf0HXspMNW9GXnHwrgKZC5H8lPqxBEV7YA%2Bkt3QmnnKTcM%3D&date=1740891600' class=" pop_up_warning " title='Frequently Asked Questions – Students' target="_blank" ><span class="pop_up_warning_text">Opens a new window</span>Frequently Asked Questions – Students</a>--> <!--<br> <a name="links"><h2 class="article-emphasis"> COVID-19 Useful Links </h2></a> <p>The well-being of our Insureds is our number one priority. <span class="gm gm-colored"></span> <strong>International Insurance</strong> will continue to follow this situation and will endeavour to provide timely updates as it evolves. There are many sources of credible information available. It is important to make sure that the information you are accessing is accurate. Please think carefully about the reliability of news sources that you view.</p> <h3 class="article-emphasis">Here are some useful links:</h3> <ul> <li><a class="pop_up_warning" href="https://travel.gc.ca/travelling/advisories" aria-label="Click here Government of Canada Travel Advice and Advisories opens a new window" target="_blank"> Click here<span class="pop_up_warning_text">Government of Canada Travel Advice and Advisories opens a new window</span></a> for Government of Canada Travel Advice and Advisories.</li> <li><a class="pop_up_warning" href="https://www.canada.ca/en/public-health/services/diseases/coronavirus-disease-covid-19.html" aria-label="Click here Government of Canada Facts about COVID-19 opens a new window" target="_blank"> Click here<span class="pop_up_warning_text">Government of Canada Facts about COVID-19 opens a new window</span></a> for Government of Canada Facts about COVID-19.</li> <li><a class="pop_up_warning" href="https://www.cdc.gov/coronavirus/2019-nCoV/index.html" aria-label="Click here Centers for Disease Control opens a new window" target="_blank"> Click here<span class="pop_up_warning_text">Centers for Disease Control opens a new window</span></a> for Centers for Disease Control.</li> <li><a class="pop_up_warning" href="https://www.who.int/emergencies/diseases/novel-coronavirus-2019 " aria-label="Click here World Health Organization opens a new window" target="_blank"> Click here<span class="pop_up_warning_text">World Health Organization opens a new window</span></a> for World Health Organization.</li> <li><a class="pop_up_warning" href="https://www.canada.ca/en/public-health/services/diseases/coronavirus-disease-covid-19/digital-tools.html" aria-label="Click here Coronavirus disease (COVID-19): Digital tools opens a new window" target="_blank"> Click here<span class="pop_up_warning_text">Coronavirus disease (COVID-19): Digital tools opens a new window</span></a> for Coronavirus disease (COVID-19): Digital tools.</li> </ul> <!--<h3 class="article-emphasis"> HOW DO I STAY HEALTHY AND AVOID GETTING SICK? </h3> <img alt="covid-image2" style="max-height: fit-content;" src="/res/imgs/site_main/covid19-image2.png" align="right"> <p>COVID-19 is a contagious virus that can be easily transferred from one person to another. You can’t always tell when a person is sick, that is why it is important to take precautions and practice social distancing.</p> <p>Many restrictions are already in place to slow the spread of the virus. By following the instructions of the health authorities in your area, you can play an important role in reducing the impact of the virus and protecting yourself and vulnerable people.</p> <ul> <li>Always maintain a distance of 2 metres or more between people, avoid crowds, and avoid activities or modes of transportation that expose you to many people. Stay indoors whenever possible.</li> <li>Wear a mask or face covering to help stop the spread of COVID-19. The use of masks in indoor public spaces and on public transit is now mandatory in most regions.</li> <li>Avoid shaking hands and avoid touching your face, especially your mouth, eyes, and nose.</li> <li>Wash your hands at regular intervals using soap and warm water. Wash your hands or use a hand sanitizer immediately after coming into contact with common surfaces such as door handles or stair rails, or before preparing or eating food.</li> <li>Practice safe-coughing and sneezing etiquette: cough or sneeze into your elbow, or use a Kleenex or tissue, then dispose of it and wash your hands using soap and warm water.</li> <li>Disinfect surfaces and high contact items such as phones, tablets, remotes, door handles, railings, counters and toilets.</li> <li>Follow the instructions of health authorities in your area.</li> </ul> <h3 class="article-emphasis"> I REMAIN OUTSIDE OF CANADA; WHAT SHOULD I DO IF I FEEL SICK? </h3> <p><span class="bold">Symptoms of COVID-19 include:</span></p> <ul> <li>New or worsening cough</li> <li>Shortness of breath or difficulty breathing </li> <li>Temperature equal to or over 38°C </li> <li>Feeling feverish </li> <li>Sore throat </li> <li>Chills</li> <li>Fatigue or weakness</li> <li>Muscle or body aches</li> <li>New loss of smell or taste</li> <li>Headache</li> <li>Gastrointestinal symptoms (abdominal pain, diarrhea, vomiting)</li> <li>Feeling very unwell</li> </ul> <p>Think you might have COVID-19? <a class="pop_up_warning" href="https://ca.thrive.health/covid19/en" target="_blank"> Take self assessment<span class="pop_up_warning_text">Opens a new window</span></a>.</p> <p><span class="bold">If you are showing symptoms of COVID-19:</span></p> <ul> <li>Follow protocols and procedures as outlined by the public health authority in your area. It is important to follow their instructions.</li> <li>Familiarize yourself with locations of local hospitals and testing/assessment centres (where applicable). Follow local protocols with regard to testing or seeking treatment.</li> <li>Reduce your contact with others.</li> <li>Isolate yourself at home for 14 days to avoid spreading it to others unless you are going to the testing/assessment centre.</li> <li>If you live with others, stay in a separate room, and keep a 2-metre distance when you must leave your room.</li> <li>Tell people who you were in close physical contact with in the 48 hours before your symptoms began to monitor their health and to self-isolate.</li> </ul> <p><strong>It is important that you follow the approved protocols and procedures as outlined by the public health authority in your area.</strong></p> <h3 class="article-emphasis">WHAT SHOULD I DO IF I HAVE MILD SYMPTOMS?</h3> <p>Self-monitor for symptoms. If your symptoms are mild, follow your usual routine for managing a cold or flu:</p> <ul> <li>Drink plenty of fluids.</li> <li>Rest.</li> <li>If needed, take over the counter pain/fever or cold/flu medication.</li> <li>Stay home if you are unwell. Avoid contact with others.</li> <li>Contact the local health authorities in your area for instructions on care: <a class="pop_up_warning" href="https://www.alberta.ca/coronavirus-info-for-albertans.aspx" target="_blank">Alberta <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.healthlinkbc.ca/health-feature/coronavirus-disease-covid-19" target="_blank">British Columbia <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.gov.mb.ca/covid19/" target="_blank">Manitoba <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www2.gnb.ca/content/gnb/en/departments/ocmoh/cdc/content/respiratory_diseases/coronavirus.html" target="_blank">New Brunswick <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.gov.nl.ca/covid-19/" target="_blank">Newfoundland and Labrador <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.hss.gov.nt.ca/en/services/coronavirus-disease-covid-19" target="_blank">Northwest Territories <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://novascotia.ca/coronavirus/" target="_blank">Nova Scotia <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.gov.nu.ca/health/information/covid-19-novel-coronavirus" target="_blank">Nunavut <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.ontario.ca/page/2019-novel-coronavirus?_ga=2.230583196.168447802.1584110839-1646616866.1584110839" target="_blank">Ontario <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.princeedwardisland.ca/en/information/health-and-wellness/covid-19-faqs" target="_blank">Prince Edward Island <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.quebec.ca/en/health/health-issues/a-z/2019-coronavirus/" target="_blank">Quebec <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://www.saskatchewan.ca/government/health-care-administration-and-provider-resources/treatment-procedures-and-guidelines/emerging-public-health-issues/2019-novel-coronavirus" target="_blank">Saskatchewan <span class="pop_up_warning_text">Opens a new window</span></a>; <a class="pop_up_warning" href="https://yukon.ca/covid-19" target="_blank">Yukon <span class="pop_up_warning_text">Opens a new window</span></a>.</li> </ul>--> <!--<h3 style="" class="article-emphasis"> GENERAL INFORMATION AND CLAIMS-RELATED ASSISTANCE </h3> <ul> <li>For general information about your policy and COVID-19 call: <strong>1-905-752-6230</strong> or toll-free <strong>1-877-873-8447</strong> or email at: <a class="world-offices-email" href="mailto:customercare@guard.me">customercare@guard.me</a>.</li> <!--<li>While our office is continuing to accept mailed claims, in order to ensure expedient processing of your claims, we kindly ask you to submit your claims and supporting documentation online: <a class="pop_up_warning" href="/claim.php" target="_blank">https://www.guard.me/claim.php <span class="pop_up_warning_text">Opens a new window</span></a></li> <li>For specific claims inquires, please call the Claims Assist line: <strong>1-905-752-6230</strong> or email at: <a class="world-offices-email" href="mailto:customercare@guard.me">customercare@guard.me</a>.</li> </ul> <h3 class="article-emphasis"> For updated information about COVID-19 (coronavirus) and possible impacts to coverage, please refer to the following links: </h3> <ul style="list-style: none;"> <li><img alt="icon-pdf" style="margin-bottom:5px;" src="/res/imgs/icons/icon-pdf.png"><a aria-label="Opens a new windowMaple and mobileDoctor Services" href='https://dispatch.guard.me/docs.php?pin=8Y%2FlX77N%2FNDrIT27L98VqtfA%2BqosKnYNHdmClovG7qn9IxzEmtIohHq2oMo%3D&date=1740891600' class=" pop_up_warning " title='Maple and mobileDoctor Services' target="_blank" ><span class="pop_up_warning_text">Opens a new window</span>Maple and mobileDoctor Services</a></li> <li><img alt="icon-pdf" style="margin-bottom:5px;" src="/res/imgs/icons/icon-pdf.png"><a aria-label="Opens a new windowStudents insured by guard.me in Canada" href='https://dispatch.guard.me/docs.php?pin=WM44Vvd0bpIjpCJcHAt0Pz1lI3cpzt%2BxJJ5poliW7hbpu3MQWKv5UcVCkWY%3D&date=1740891600' class=" pop_up_warning " title='Students insured by guard.me in Canada' target="_blank" ><span class="pop_up_warning_text">Opens a new window</span>Students insured by guard.me in Canada</a></li> <li><img alt="icon-pdf" style="margin-bottom:5px;" src="/res/imgs/icons/icon-pdf.png"><a aria-label="Opens a new windowUseful links" href='https://dispatch.guard.me/docs.php?pin=bVJd5T76XMb%2FRL0KFdpOlabggWhxYoLFeKJwaVn3Qx25PeKO5iW%2FWwIkC9g%3D&date=1740891600' class=" pop_up_warning " title='Useful links' target="_blank" ><span class="pop_up_warning_text">Opens a new window</span>Useful links</a></li> <li><img alt="icon-pdf" style="margin-bottom:5px;" src="/res/imgs/icons/icon-pdf.png"><a aria-label="Opens a new windowQuick Reference Guide for Outbound Policies" href='https://dispatch.guard.me/docs.php?pin=mpBv0oJP%2FQrkzA3TP9Rsy5mr%2Fi5d4oDdh2glRdMCRzylUQzR%2FwqVDarQerg%3D&date=1740891600' class=" pop_up_warning " title='Quick Reference Guide for Outbound Policies' target="_blank" ><span class="pop_up_warning_text">Opens a new window</span>Quick Reference Guide for Outbound Policies</a></li> <li><img alt="icon-pdf" style="margin-bottom:5px;" src="/res/imgs/icons/icon-pdf.png"><a aria-label="Opens a new windowFrequently Asked Questions – Students" href='https://dispatch.guard.me/docs.php?pin=0buqMCB2ywKX51r8fEJYOLldUUZtGZARjaC6HracQ88debnzVthQ7c4KRGo%3D&date=1740891600' class=" pop_up_warning " title='Frequently Asked Questions – Students' target="_blank" ><span class="pop_up_warning_text">Opens a new window</span>Frequently Asked Questions – Students</a></li> <li><img alt="icon-pdf" style="margin-bottom:5px;" src="/res/imgs/icons/icon-pdf.png"><a aria-label="Opens a new windowFrequently Asked Questions – Schools/Homestays" href='https://dispatch.guard.me/docs.php?pin=hKYqKZn4TJMkyX4RoMhv4mKfsRb9VJGx7mmzk84681gBWxlkOa55Z4od6xo%3D&date=1740891600' class=" pop_up_warning " title='Frequently Asked Questions – Schools/Homestays' target="_blank" ><span class="pop_up_warning_text">Opens a new window</span>Frequently Asked Questions – Schools/Homestays</a></li> </ul>--> </article> <div class="optanon-alert-box-wrapper " > <div class="optanon-alert-box-bottom-top"></div> <div class="optanon-alert-box-bg"> <div 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