Admissions

International Students

Health Insurance

It is a mandatory requirement for all international students to purchase health insurance through CMU. This is designed to protect both the student and CMU from unexpected health costs.

Guard.me International Insurance is the health insurance provider for CMU international students. Guard.me has provided health insurance to international students since 1998. Enrolment in the guard.me more plan is mandatory for all international students.

 

What does the plan cost?

All international students will automatically be enrolled in an annual plan beginning on the 15th day of the month before they begin classes. The annual cost of the plan is $789.00/student and is included in the deposit required of all new international students. More information regarding the health insurance plan and benefits will be available at guard.me/cmu.

When do I have to pay for my health insurance?

For new students the health insurance cost is included in the advance deposit. Returning students will need to pay the full amount by August 1 (fall students) or December 1 (winter students) each academic year.

How do I pay?

Please refer to the Student Payment Policy for payment options.

How do I enroll in the guard.me more plan?

The Manager of International Student Programs will enroll all international students. You will receive a digital card through your CMU email that includes your personal policy/identification number. Make sure to download the card to your phone.

How do I access my guard.me ID card?

Students will receive an email titled "Healthcare Access Card" from admin@guard.me. The link included in the welcome letter will contain a link to access the card. New students will need to setup/register their account with guard.me before having access to the card.

What does my health insurance cover?

A benefits summary was sent to your CMU email. Additional information regarding your plan is also available on the guard.me website.

For further explanations of your benefits and to learn how to submit claims, you can attend an orientation session regarding health insurance benefits and claims with a guard.me representative during the mandatory international orientation week.

What if I have purchased health insurance independently?

Alternate plans will not be considered. Enrolment in the guard.me more plan is mandatory for all international students.

My family will be coming to Canada with me. Are they covered under the guard.me health insurance?

Spouses and/or dependents are not covered by the health insurance plan that you have purchased through CMU. However, you can add your family to your health insurance plan. For the lowest cost, the student can enroll family members within 30 days of receiving confirmation of their own enrollment. Later enrollment will result in higher fees for family members.

It is the student's responsibility to enroll family members. Please contact admin@guard.me for additional information about adding family members.

Pregnancy Coverage

Please take note of the policy wording regarding pregnancy for students or their spouses. "Where pregnancy commences after the effective date of this policy, or within the 30 days prior to the effective date, when this policy is purchased at the time of enrollment in a college or university, prenatal care, childbirth, and newborn care (up to age 15 days) are covered up to a combined benefit maximum of $25,000. The insurance must be in effect for the entire term of the pregnancy. Serious complications due to pregnancy are covered up to an additional maximum of $25,000. Serious complications do not include normal conditions of pregnancy including but not limited to morning sickness, spotting, ultrasounds, blood and urine testing, including testing for gestational diabetes." (taken from guard.me Drug Card Policy)

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