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Medical Insurance | KPU.ca - Kwantlen Polytechnic University

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</span> </div> <ul class="menu"> <li class="nav-item"> <div class="link-wrapper"> <a href="/international/partnerships/faculty-exchange" class="nav-link nav-link--international-partnerships-faculty-exchange" data-drupal-link-system-path="node/24132">At a Glance</a> </div> </li> <li class="nav-item"> <div class="link-wrapper"> <a href="/international/partnerships/faculty-exchange/partner-opportunities" class="nav-link nav-link--international-partnerships-faculty-exchange-partner-opportunities" data-drupal-link-system-path="node/26353">Current Partner Opportunities</a> </div> </li> <li class="nav-item"> <div class="link-wrapper"> <a href="/international/partnerships/faculty-exchange/build-your-experience" class="nav-link nav-link--international-partnerships-faculty-exchange-build-your-experience" data-drupal-link-system-path="node/26354">Build Your Own Experiences</a> </div> </li> <li class="nav-item"> <div class="link-wrapper"> <a href="/international/partnerships/faculty-exchange/coil" 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data-drupal-link-system-path="node/19795">Speak with a Recruiter about Applying to KPU</a> </div> </li> <li class="nav-item"> <div class="link-wrapper"> <a href="/international/advising" class="nav-link nav-link--international-advising" data-drupal-link-system-path="node/1454">Speak with an International Student Advisor</a> </div> </li> <li class="nav-item"> <div class="link-wrapper"> <a href="/international/partnerships/contact" class="nav-link nav-link--international-partnerships-contact" data-drupal-link-system-path="node/26349">Connect with Global Engagement Team</a> </div> </li> </ul> </li> </ul> </nav> </div> </div> </div> <div id="content-wrapper" class="fullwidth l-content-wrapper"> <div class="container content-container"> <div class="page"> <section class="l-content-top l-region"> <div class="region region-top-content"> <div id="block-kpu-breadcrumbs" class="block block-system block-system-breadcrumb-block"> <div class="content"> <nav role="navigation" aria-labelledby="system-breadcrumb"> <h2 id="system-breadcrumb" class="visually-hidden">Breadcrumb</h2> <ol class="breadcrumb"> <li class="breadcrumb-item"> <a href="/">Home</a> </li> <li class="breadcrumb-item"> <a href="/international">International</a> </li> </ol> </nav> </div> </div> </div> </section> <div class="l-content"> <main class="main-content col l-content-main" id="content" role="main" aria-label="Main content"> <a id="main-content" tabindex="-1"></a> <div class="l-inner-content-main"> <div class="region region-content"> <div id="block-kpu-mainpagecontent" class="block block-system block-system-main-block"> <div class="content"> <article about="/international/insurance" class="node node--type-landing-page node--view-mode-full"> <div class="node__content"> <div class="kpu-layout layout layout--onecol"> <div class="layout__region layout__region--content"> <div class="block block-layout-builder block-inline-blockwysiwyg"> <div class="content"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><div class="page-banner fx-fullwidth fx-overlay page-banner-main" style="background-image:url('https://www.kpu.ca/sites/default/files/international/students-walking-fall.jpg');"><div class="container"><div class="page-banner__wrapper"><div class="page-banner__content"><h1>Health Insurance for International Students</h1><p>As an international student, having health insurance is critical to avoiding unnecessary financial burdens while studying in Canada. Without insurance, medical and emergency care can be extremely expensive.</p><p><a class="button" href="#health-insurance">Learn More</a> <a class="button" href="#contact-us">Contact Us</a></p></div></div></div></div><style type="text/css"> p &gt; .button { line-height: normal; } .fx-overlay:after { opacity: .5; } .page-banner-main { padding-top: 15%; padding-bottom: 15%; background-position: top center; margin-bottom: 0; } .l-content-top { display: none; } .header__wrapper { margin-bottom: 0; } .sub-title { font-weight: 300; text-transform: uppercase; letter-spacing: 8px; text-indent: 8px; font-size: 24px; } .page-banner__content { font-size: inherit; font-weight: normal; } </style></div> </div> </div> </div> </div> <div class="kpu-layout layout layout--onecol"> <div class="layout__region layout__region--content"> <div class="block block-layout-builder block-field-blocknodelanding-pagebody"> <div class="content"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><div class="section"><div class="row"><div class="col-sm-6 col-sm-push-6"><p><img class="drop-shadow" alt data-file_info="%7B%22fid%22:%22138293%22,%22view_mode%22:%22default%22,%22fields%22:%7B%22format%22:%22default%22,%22field_file_image_alt_text%5Bund%5D%5B0%5D%5Bvalue%5D%22:%22%22,%22field_file_image_title_text%5Bund%5D%5B0%5D%5Bvalue%5D%22:%22%22,%22field_folder%5Bund%5D%22:%222828%22%7D,%22type%22:%22media%22%7D" src="/sites/default/files/international/surrey-main-atrium.jpg"></p></div><div class="col-sm-5 col-sm-pull-6"><h2 class="section-title"><strong>Health Insurance</strong></h2><p>International students at KPU have access to coverage for emergency medical care, routine check-ups, and more through a combination of three health insurance plans:</p><ul><li>KPU Temporary Medical Insurance Plan</li><li>British Columbia Medical Services Plan (BC MSP) <em><strong>BC MSP coverage expires the same day your study permit expires</strong></em></li><li>Kwantlen Student Association's Extended Health and Dental Coverage</li></ul><p>Learn more about each health insurance plan below.</p></div></div></div><div class="section fx-fullwidth section-tint"><div class="container"><div class="row"><div class="col-sm-6"><h2 class="section-title">KPU Temporary Medical Insurance Plan <em><span class="small">Provided through guard.me International Insurance</span></em></h2><p><a href="https://www.guard.me/kpu" target="_blank"><img class="media-element file-default" style="height:75px;margin-bottom:30px;margin-top:30px;width:292px;" alt="guard.me International Insurance" height="159" src="/sites/default/files/international/guardme.png" width="618" loading="lazy"></a></p><p>All new international students coming to KPU are automatically enrolled in KPU's Temporary Medical Insurance Plan upon registration in classes. The fees are charged directly through your OSS account. <strong>Coverage begins on the first day of the first month of the semester</strong> (e.g. you are covered starting on January 1st for the Spring semester). The information on your coverage will be sent over to your KPU student email during the first week or two of the classes start date.&nbsp;If you're arriving in Canada before the first day of the first month of the semester (e.g. you are arriving <em>before</em> January 1st for the Spring semester), you should purchase a seperate travel insurance OR<a href="https://www.guard.me/kpu/department/early-arrivals">&nbsp;Guard.me Early Arrival Insurance</a>, which&nbsp;costs less than $2/day. <strong>Note!</strong>&nbsp;Your semester-based coverage and early arrival plan have different policy number.&nbsp;You will automatically be enrolled in the plan during every semester that you are registered in classes.</p><p style="margin-top:16px;">Kwantlen Polytechnic University (“KPU”) collects, uses, discloses, and retains your Personal Information through Guard.me, our provider of international student health insurance, in accordance with section 26 of the Freedom of Information and Protection of Privacy Act (“FIPPA”), R.S.B.C. 1996, c.165 for the purposes of registering you with insurance coverage, processing insurance claims, assessing your insurance claims against the insurance policy applying to your coverage, arranging payout for your claims if applicable, or explaining why your insurance claim is not successful. If you have any questions about the processing of your Personal Information, please contact Guard.me using the customer support contact information found at <a href="https://www.guard.me/#contact-us">https://www.guard.me/#contact-us</a>.</p></div><div class="col-sm-5 col-sm-push-1"><h3><strong>How Do I Sign Up?</strong></h3><p>All new international students coming to KPU are automatically enrolled in <a href="https://www.guard.me/kpu">KPU's Temporary Medical Insurance Plan</a> upon registration in classes, so you don't have to do anything to sign up.</p><h3><strong>Why Do I Need This Plan?</strong></h3><p>This plan protects your finances and your health when you first come to Canada, when you're not yet covered in the provincial health plan <a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/eligibility-and-enrolment/how-to-enrol">BC MSP.</a>&nbsp;</p><h3><strong>What's Covered?</strong></h3><p>Most basic and emergency medical services are covered, including: doctor's visits, emergency room care, diagnostic tests, hospital stays, and more. Please see this <a href="/sites/default/files/international/guard.meMORE%20Enhanced%20Summary_0.pdf" type="application/pdf; length=911029">sample benefits summary</a>&nbsp;to learn more. Additionally, <a href="https://www.guard.me/covid-19.php">learn more about COVID-19 coverage here</a>.</p><h3><strong>Coverage Period?</strong></h3><p><strong>Spring term:&nbsp; </strong>January 1 - April 30</p><p><strong>Summer term: </strong>May 1 - August 31</p><p><strong>Fall term: </strong>September 1 - December 31</p><p>Please be advised that students are not enrolled in or covered by temporary health insurance during their term break (e.g., summer break). By that time, they should have established MSP coverage or reached out to a private insurance provider for coverage.</p><h3><strong>How Much Does It Cost?</strong></h3><p>You will be automatically enrolled and&nbsp;charged with temporary insurance fee&nbsp;<strong>$201.30 every term,&nbsp;</strong>unless you received MSP and submitted an opt-out request (conditions apply).Students, who starts during the second session at KPU are automatically charged with a&nbsp;<strong>$100</strong>&nbsp;<strong>non-refundable fee</strong> until the end of&nbsp;remaining of the term with no option to opt-out.</p><h3><strong>*NEW 2024 UPDATE: Guard.me and Rexall Partnership</strong></h3><p>Guard.me is partnering with Rexall for an exclusive benefits program for all inbound students in Canada covered by Guard.me insurance. Rexall is now a part of their preferred pharmacy partners network.</p><p>More details are coming...</p><h3><strong>Adding a Dependent?</strong></h3><p>If you are an international student and have been enrolled in the guard.me plan, you can apply for coverage for your dependents.&nbsp;<br><strong>Note: </strong>You can only apply for your dependents once you have received your policy number.<strong> </strong>Students must add their dependents&nbsp;<strong>within the first 10 days</strong> after they&nbsp;receive Guard.me policy number, to make sure dependents' coverage effective start&nbsp;date mathces to&nbsp;student's.</p><p>*Update 07.19.2023 <em>Adding a dependent feature also applies to Guard.me&nbsp;</em><a href="https://guard.me/kpu/department/early-arrivals"><em>Early Arrival Insurance</em></a></p><h3><strong>Already have MSP? You can </strong><a href="https://guard.me/kpu/optout/opt-out"><strong>OPT-OUT HERE</strong></a></h3><p>International students, who have obtained their&nbsp;<a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/eligibility-and-enrolment/how-to-enrol">BC MSP</a> are eligible for permanent opt out from temporary insurance plan. The deadline to opt out is the last day of the first month in the semester (e.g. Spring - January 31st). Please be advised, the opt-out procedure is only available during the first month of each term and only after you received an email from Guard.me with information on your account activation and policy wording. After your opt-out&nbsp;request is submitted, please anticipate 1-2 business days (excluding weekends) for confirmation email from Guard.me. If your request was approved, a full refund of current semester fee will be reversed back to your KPU student account (not your banking account) <strong>within next 10 business day</strong>.&nbsp;There are no partial refunds. If you don't submit an opt-out request, you will be automatically charged and enrolled with Guard.me plan every term, regardless of your MSP status.</p><h3><strong>OPT-OUT Additional Information:</strong></h3><ul><li><strong>Fall Deadline</strong> - September 30th</li><li><strong>Spring Deadline</strong> - January 31st</li><li><strong>Summer Deadiline</strong> - May 31st</li></ul><address>&nbsp;</address><address><p><em><strong>Note! </strong>If your MSP starts after first day of the first month (Spring - January 1st) or ends prior the end of your coverage (Spring April 30th), OR if you submitted a claim for the current coverage period -&nbsp;your opt-out will be <strong>declined.&nbsp;</strong></em></p></address></div></div></div></div><div class="section"><div class="row"><div class="col-sm-6"><h2 class="section-title">British Columbia Medical Services Plan <span class="small">(BC MSP)</span></h2><p>&nbsp;</p><a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents" target="_blank"><article class="media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-visually_hidden"> <div class="field__label visually-hidden">Image</div> <div class="field__item"> <img src="/sites/default/files/international/BC-MSP.png" width="290" height="75" alt="BC MSP" title="BC MSP" loading="lazy" typeof="foaf:Image"> </div> </div> </article> </a><p>The BC Medical Services Plan (BC MSP) is the provincial health insurance program that covers health care benefits for BC residents.</p><p><strong>Your BC MSP coverage expires the same day your study permit expires</strong>. So, it is extremely important that you <a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/managing-your-msp-account/renewing-your-work-permit">update your&nbsp;status in Canada&nbsp;with Health Insurance BC</a> whenever you renew your study permit. If there is a gap between the renewal of your study permit and your BC MSP coverage, you will need to find temporary private insurance to cover you for that period of time. It may also be possible to reach out to Healthlink BC to request for an extension of your BC MSP coverage while you wait for your study permit to be renewed.</p></div><div class="col-sm-5 col-sm-push-1"><h3><strong>How Do I Sign Up?</strong></h3><p><a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/eligibility-and-enrolment/how-to-enrol">Apply for MSP online</a> within the first 10 days of your arrival in BC. The waiting period to receive coverage through BC MSP can be up to three months.</p><h3><strong>Why Do I Need This Plan?</strong></h3><p>It's mandatory—all BC residents are required to sign up for BC MSP. Plus, public health care in BC is very good, and having BC MSP coverage means that you have access to it at no cost beyond the monthly health-care coverage fee for international students.&nbsp;</p><h3><strong>What's Covered?</strong></h3><p>You'll be covered for all medically necessary services provided by physicians, diagnostic services including x-rays, dental and oral surgery, and more. Learn more about <a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/benefits/services-covered-by-msp">what's covered</a> and <a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/benefits/services-not-covered-by-msp">what's not covered</a>.</p><h3><strong>How Much Does It Cost?</strong></h3><p>$75 per month</p></div></div></div><div class="section fx-fullwidth section-tint"><div class="container"><div class="row"><div class="col-sm-6"><h2 class="section-title">Kwantlen Student Association Health &amp; Dental Plan <em><span class="small">Provided through mystudentplan</span></em></h2><p>&nbsp;</p><p><a href="https://www.mystudentplan.ca/kwantlen/en/home" target="_blank"><img class="media-element file-default" style="height:75px;margin-bottom:30px;margin-top:30px;width:314px;" alt="Kwantlen Student Association" height="142" src="/sites/default/files/international/ksa-full.png" width="595" loading="lazy"></a></p><p>All international students at KPU are automatically enrolled in the <a href="https://www.mystudentplan.ca/kwantlen/en/home">Kwantlen Student Association's (KSA) Benefits Plan</a>. This is a mandatory extended health and dental plan that supplements one of the two basic medical insurance plans above. It provides 12 months of coverage starting on the first day of the month the program of study begins.</p></div><div class="col-sm-5 col-sm-push-1"><h3><strong>How Do I Sign Up?</strong></h3><p>All new international students coming to KPU are automatically enrolled in the Kwantlen Student Association Health &amp; Dental Plan upon registration in classes, so you don't have to do anything to sign up.</p><h3><strong>Why Do I Need This Plan?</strong></h3><p>BC MSP and Guard.me don't cover everything—for example, BC MSP doesn't cover most prescription drugs, vision care, and dental work, all of which can be costly. The KSA Health &amp; Dental Plan provides additional extended coverage for these treatments.</p><h3><strong>What's Covered?</strong></h3><p>A portion of the costs for some prescription drugs, vision, paramedical treatments, mental health treatment, dental care, travel insurance, and more. Learn more about <a href="https://www.mystudentplan.ca/kwantlen/en/mybenefits">what's covered</a>.</p><h3><strong>How Much Does It Cost?</strong></h3><p><span class="ui-provider a b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak" dir="ltr">See our current extended health and dental costs here </span><a class="fui-Link ___1rxvrpe f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn" href="/international/future-students/cost" aria-label="Link https://www.kpu.ca/international/future-students/cost" id="menurbc5" rel="noreferrer noopener" target="_blank" title="https://www.kpu.ca/international/future-students/cost"><span class="ui-provider a b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak" dir="ltr">kpu.ca/international/future-students/cost</span></a></p></div></div></div></div><div class="section"><div class="row"><div class="col-sm-6"><p><img class="drop-shadow" alt data-file_info="%7B%22fid%22:%22138292%22,%22view_mode%22:%22default%22,%22fields%22:%7B%22format%22:%22default%22,%22field_file_image_alt_text%5Bund%5D%5B0%5D%5Bvalue%5D%22:%22%22,%22field_file_image_title_text%5Bund%5D%5B0%5D%5Bvalue%5D%22:%22%22,%22field_folder%5Bund%5D%22:%222828%22%7D,%22type%22:%22media%22%7D" src="/sites/default/files/international/surrey-campus-walkway.jpg"></p></div><div class="col-sm-5 col-sm-push-1"><h2 class="section-title">Learn More</h2><p>Still got questions? Check out our <a href="/sites/default/files/KPU-INTL-Health-Insurance_Booklet.pdf">Health Insurance Booklet</a> or contact your International Student Life Coordinators by email us at <a href="mailto:intlstudentlife@kpu.ca">intlstudentlife@kpu.ca</a></p></div></div></div><style type="text/css">.els-testimonials { margin-top: 30px; margin-bottom: 60px; } .els-testimonial { text-align: center; padding: 30px 15px 15px 15px; font-size: .9em; line-height: normal; background-color: #EEE; border-radius: 10px; margin-bottom: 30px; box-shadow: 0px 35px 50px -25px rgba(0, 0, 0, 0.2); } .els-testimonial img { border-radius: 50%; filter: drop-shadow(0 0 10px rgba(0, 0, 0, 0.2)); } .button-sm { padding: 6px 9px; font-size: 12px; } </style><style type="text/css">@media (min-width: 768px) { [class*="pane-webform-client-block-"] .webform-client-form { width: 50%; } } [class*="pane-webform-client-block-"] { background-color: #333F48; padding: 30px; color: #FFF; } [class*="pane-webform-client-block-"] .webform-client-form { margin-left: auto; 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