On this page:
- Medical insurance assessment
- Opting out
- Guard.me coverage period
- Request to change coverage months
- Adding dependents
Medical insurance assessment
International students starting regular full-time programs should submit a Medical Insurance Assessment Form [PDF], or MIAF, no later than 90 days before their program starts or the deadline stated in your conditional letter of acceptance from BCIT. This form will help to determine if you already have adequate medical insurance or not and will help us to best advise you.
If you do not already have adequate medical insurance, you will be charged by BCIT a non-refundable $180 International Health Insurance fee and enrolled in three months of private basic medical insurance with Guard.me International Insurance. You should pay for this along with your tuition fees. Please see Payment Options at BCIT and scroll down to “International Students” for additional information.
The simplest way to opt out is to follow the instructions above for submitting a MIAF and including a copy of your medical insurance information.
Students with another type of basic medical insurance may also be able to opt out so long as their policy meets all of the following minimum standards:
- Coverage for basic medical services including medical emergencies
- Policy details must be provided in English.
- It was purchased in Canada or has policy wording that clearly indicates that the coverage is valid in Canada.
- Valid for at least 3 months from when you plan to arrival in BC (until your MSP coverage wait period is complete)
Be aware that some private medical insurance policies limit benefit payouts or exclude certain medical services altogether. Students who purchase their own private medical insurance should check that their policy coverage is sufficient.
Guard.me coverage period
Guard.me temporary private medical insurance enrolments administered by BCIT for students in full-time programs are done for 3 entire calendar months according to your program start date and the formula below. This is meant to align with your MSP coverage wait period so that you will become eligible for MSP health care benefits by the time your Guard.me coverage expires.
Your Guard.me coverage will start the first day of the month that your program at BCIT starts, except if your program starts during the first 10 days of the month, in which case your Guard.me coverage will start the first day of the previous month. For example if you program starts on:
- September 7, your coverage will be from August 1 – October 31.
- March 29, your coverage will be from March 1 – May 31.
Please see the table below for the formula that we use to determine your months of Guard.me coverage.
|Program starting date range||Months of Guard.me coverage|
|January 11 – February 10||January, February and March|
|February 11 – March 10||February, March and April|
|March 11 – April 10||March, April and May|
|April 11 – May 10||April, May and June|
|May 11 – June 10||May, June and July|
|June 11 – July 10||June, July and August|
|July 11 – August 10||July, August and September|
|August 11 – September 10||August, September and October|
|September 11 – October 10||September, October and November|
|October 11 – November 10||October, November and December|
|November 11 – December 10||November, December and January|
|December 11 – January 10||December, January and February|
Request to change coverage months
Depending on when you plan to arrive in BC, you may request to change your months of coverage from what is indicated above. In fact, this may be necessary in order to align with the months of your MSP coverage waiting period.
For example, if your program starts on January 6 and you plan to arrive in BC on January 3, you would have to notify us so that we can adjust your Guard.me coverage months to be January, February, and March instead of December, January, and February as would normally be the case. This is important so that you wouldn’t end up being uninsured or have to pay for extra insurance for the month of March before being eligible for MSP health care benefits from April 1.
You can request to change your months of coverage by sending an email to firstname.lastname@example.org with your name, BCIT student number, and your planned date of arrival in BC.
Please send your request as early as possible. We try to accommodate all requests but it may not be possible for requests received less than 45 days before the program start date.
If you will be traveling with dependents such as your spouse or children it is possible to add them to your Guard.me private medical insurance policy. Dependents of current BCIT students are eligible for the discounted rate of $2 per day.
Option A: Do-it-yourself on Guard.me’s website
This option allows you to quickly add your dependents online 24/7 for your convenience, and to choose exact dates of coverage within your own coverage period. Note that you can only add dependents via this option AFTER your Guard.me medical insurance has been activated and and you have received your Policy #, which would typically happen at least one week before your planned arrival in Canada.
Follow the steps below:
- Check your myBCIT email inbox for your confirmation email from Guard.me, and make note of your Policy #.
- Visit the Guard.me portal for BCIT students and click the Dependents button, then enter your Policy # and date of birth.
- Enter the information required for each of your dependents and pay the fee online (by credit card) directly to Guard.me.
Option B: Request and pay to BCIT
If you have not yet traveled to Canada and your Guard.me policy has not been issued yet, the you may request for BCIT to charge you an additional fee for your dependents and to enrol your entire family in Guard.me at the same time. The fee and coverage dates are the same for each of your dependents as for yourself (normally $180 per person for 3 calendar months of coverage).
To request this option, email us at email@example.com with:
- your name & student number
- the full name, gender, and date of birth for each family member that you wish to cover
- your planned date to arrive in BC
We will reply with further details and instruction about how to pay.