Insurance Plans | guard.me

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url('/res/imgs/site_main/page_headers/header-bg-insurance.jpg')"> <div class="arrow_box"> <h1 style="color: #ffffff">Insurance Plans</h1> <div class="bottom-border-right"></div> <div class="bottom-border-left"></div> </div> </div> <div class="form-width container"> <h3 role="heading" aria-level="2" class="article-emphasis"> <span class="gm gm-colored"></span> covers emergency health conditions that first start after you buy your insurance coverage. </h3> <p> IMPORTANT: WE WILL NOT PAY FOR YOUR DOCTOR'S VISITS OR ANY OTHER MEDICAL EXPENSES IF YOU ARE SICK, HURT OR KNOW THAT YOU WILL NEED TO SEE THE DOCTOR WHEN YOU BUY YOUR INSURANCE. </p> <p> Our Insurance covers you in case you become sick or injured, NOT when you are already sick or hurt. We do not pay for expenses for an illness or sickness that you already had before the start date of your policy, or for routine doctor's visits or treatments. </p> </div> <div class="form-width container"> <div class="online-app"> <p> <strong>Please enter your policy number to view your policy wording</strong> </p> <form class="form-box" method="post" name="searchpolicy" id="searchpolicy" action="/guard-me.php"> <input type="hidden" name="referrer" value=""> <input type="hidden" name="action" value="search_by_policy_number"> <input type="hidden" name="csrf_token" value="cb6ae5f4907c5977ca4678a1fa39dc32f9ae231d352b42cd42922b092a32366f"> <div class="form-element"> <label for="policy_number"> What is your Policy/Certificate Number? </label> <input type="text" id="policy_number" name="policy_number" value="" style="width: 170px;" required> </div> <div class="form-element-navButtons"> <input type="submit" class="form-button" value="SUBMIT" id="submit_policy"> </div> </form> <p> <strong>Please enter your access code to view policy documents.</strong> </p> <form class="form-box" method="post" name="searchcode" id="searchcode"> <input type="hidden" name="referrer" value=""> <input type="hidden" name="action" value="search_by_access_code"> <input type="hidden" name="csrf_token" value="cb6ae5f4907c5977ca4678a1fa39dc32f9ae231d352b42cd42922b092a32366f"> <div class="form-element"> <label for="access_code"> Access Code </label> <input name="access_code" id="access_code" type="number" min="2001" max="9999" value="" style="width: 170px;" required> </div> <div class="form-element-navButtons"> <input type="submit" class="form-button" value="SUBMIT" id="submitcode"> </div> </form> <div class="form-width container"> <h4 role="heading" aria-level="3">WHAT IS COVERED? (certain limitations apply)</h4> <p> If you, your insured partner or your insured child has a new sickness or injury that first occurs AFTER the start date of your policy, your policy will cover these expenses: </p> <div class="custom-ul"> <ul> <li><span class="bold">mobileDOCTOR</span> <br> We pay for virtual medical care through <span class="gm-blue font-weight-bold">mobile</span><span style="color: #4e8236;" class="font-weight-bold">DOCTOR</span>. Click <a class="pop_up_btn_warning" target="_blank" href="https://www.guard.me/mobiledoctor"><strong>HERE</strong> <span class="pop_up_btn_warning_text">Opens a new window</span></a> to register. </li> <li><span class="bold">DOCTOR/PHYSICIAN</span> <br> We will pay for doctor's visits to treat a new emergent condition in a doctor's office or clinic. We will pay the doctor when you need to go to the Emergency Room. </li> <li><span class="bold">EMERGENCY ROOM</span> <br> When the doctor says you need to go to the hospital, or you need emergent medical care outside the regular clinic or office hours, we will pay for treatment at an Emergency Room (ER) at the Hospital. </li> <li><span class="bold">EMERGENCY TRANSPORTATION</span> <br> <em>Ambulance</em> - When you are unable to get to a hospital for an emergent condition, we will pay for an ambulance to take you to and from a hospital or medical clinic. <br> <em>Taxi</em> - When you are unable to get to a hospital for an emergent condition, we will pay for a taxi fare to take you to and from a hospital or medical clinic. </li> <li><span class="bold">DIAGNOSTIC TESTS</span> <br> When the doctor says you need minor tests (such as lab work, x-rays, or ultrasounds) to diagnose your new condition, we will pay for these tests. FOR MAJOR TESTS SUCH AS "CAT" OR "CT SCANS" AND "MRI'S" YOU MUST CALL THE ASSISTANCE LINE FIRST BEFORE YOU HAVE THE TESTS DONE. </li> <li><span class="bold">HOSPITAL</span> <br> If you need to stay in the hospital, we will pay for all associated inpatient costs. </li> <li><span class="bold">DENTAL</span> <br> Coverage for dental work for the relief of acute pain and suffering. </li> <li><span class="bold">ACCIDENTAL DENTAL</span> <br> If you are hit in the mouth or are in an accident and your own teeth are damaged, we will pay to repair or replace those teeth. </li> <li><span class="bold">WHEN ELIGIBLE</span> <br> Please refer to the full policy wording for terms and conditions. </li> <li><span class="bold">PRESCRIPTION MEDICINES</span> <br> If you go to a doctor who gives you a prescription to go to the drug store to buy medicine from the pharmacist, we will pay for the medicine up to a maximum 30-day supply. We will NOT pay for refills of medication visits. </li> </ul> <p> IMPORTANT NOTICE: THIS IS A BRIEF SUMMARY OF BENEFITS ONLY. FULL DETAILS ON BENEFITS, EXCLUSIONS AND LIMITATIONS ARE FOUND IN YOUR <span class="guard">guard</span><span class="me">.me</span> POLICY. THE ACTUAL POLICY WORDING GOVERNS </p> </div> <h4 role="heading" aria-level="3">WHAT IS NOT COVERED? (Exclusions)</h4> <p>This is a summary of exclusions ONLY, please read your policy carefully for complete details.</p> <div class="custom-ul2"> <ul> <li>Treatment or medication to maintain a chronic, ongoing condition (such as high blood pressure) </li> <li>Unstable Pre-existing conditions (please refer to the policy for details)</li> <li>Plastic or cosmetic surgery or procedures</li> <li>Any expenses before coverage starts or after coverage has expired</li> <li>Medical services provided in your home country</li> <li>Extreme activities such as bungee jumping, skydiving etc.</li> <li>Medications available without prescriptions (over-the-counter or OTC medicines)</li> <li>Any treatment required due to use or misuse of alcohol or drugs.</li> </ul> </div> </div> </div> </div> <div class="optanon-alert-box-wrapper " > <div class="optanon-alert-box-bottom-top"></div> <div class="optanon-alert-box-bg"> <div class="optanon-alert-box-logo"> </div> <div class="optanon-alert-box-body">  <p class="optanon-alert-box-title legacy-banner-title">Your choice regarding cookies on this site</p>  <p class="banner-content"> We use cookies to optimize site functionality and give you the best possible experience. </p> </div> <div class="optanon-clearfix"></div> <div class="optanon-alert-box-button-container"> <div class="optanon-alert-box-button optanon-button-more"> <div class="optanon-alert-box-button-middle"> <button class="optanon-toggle-display cookie-settings-button" onclick="window.location.href='/cookie-notice.php'">Cookie Notice</button> <button class="optanon-toggle-display cookie-settings-button" title="Cookie Preferences" aria-label="Cookie Preferences" data-toggle="modal" data-target="#cookieModal">Cookie Preferences</button> <div class="optanon-clearfix"></div> </div> <div class="optanon-clearfix"></div> </div> <div class="optanon-clearfix"></div> </div> <div class="optanon-clearfix optanon-alert-box-bottom-padding"></div> </div> </div> <footer> <div class="row justify-content-between" id="social-container"> <div class="col-auto align-self-start tech-support"> <a href="https://www.guard.me/technicalsupport.php" class="btn-danger">Technical Support</a> </div> <div class="col-auto align-self-start" id="social-media-links"> <a title="Mailing List" id="subscribe" class="pop_up_btn_warning" href="https://www.guard.me/mailinglist" target="_blank"><em class="fas fa-envelope"></em><span style='top: -2em;' class="pop_up_warning_text">Opens a new window</span></a> <a title="LinkedIn" id="linkedin" class="pop_up_btn_warning" href="https://www.linkedin.com/company/guardme-canada" target="_blank"><em class="fab fa-linkedin"></em><span style='top: -2em;' class="pop_up_warning_text">Opens a new window</span></a> <a title="Twitter" id="twitter" class="pop_up_btn_warning" href="https://www.twitter.com/guardmecanada" target="_blank"><em class="fab fa-twitter"></em><span style='top: -2em;' class="pop_up_warning_text">Opens a new window</span></a>  <a title="Facebook" id="facebook" class="pop_up_btn_warning" href="https://www.facebook.com/guardmecanada/" target="_blank"><em class="fab fa-facebook-f"></em><span style='top: -2em;' class="pop_up_warning_text">Opens a new window</span></a> <a title="Youtube" id="youtube" class="pop_up_btn_warning" href="https://www.youtube.com/@guardmecanada" target="_blank"><em class="fab fa-youtube"></em><span style='top: -2em; left: 0;' class="pop_up_warning_text">Opens a new window</span></a> </div> </div> <div class="row justify-content-center" id="bottom-text"> <div id="policy-links"><a class='pop_up_warning' href="/privacy.php">Privacy Notice<span style='top: -2em;' class='pop_up_warning_text'>Opens a new window</span></a><span class="text-separator">|</span><a class='pop_up_warning' href="/terms-of-use">Terms of Use<span style='top: -2em;' class='pop_up_warning_text'>Opens a new window</span></a><span class="text-separator">|</span><a class='pop_up_warning' href="/accessibility" target='_new'>Accessibility<span style='top: -2em;' class='pop_up_warning_text'>Opens a new window</span></a><span class="text-separator">|</span><a href='javascript:;' onclick="Surfly.session().startLeader()" class='pop_up_warning'>Cobrowse<span style='top: -2em;' class='pop_up_warning_text'>Opens a new window</span></a></div> <div id="copyright"> © 2005 - 2025 Travel Healthcare Insurance Solutions Inc. o/a guard.me International Insurance. 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