Navigating health insurance as an international student in Canada just got a whole lot easier with the launch of the GuardMe Mobile App. Available for iOS and Android, this app is your all-in-one solution for managing your GuardMe health insurance benefits—wherever you are.
Designed with convenience in mind, the GuardMe Mobile App offers a user-friendly interface and intuitive navigation. Whether you need to submit a claim, check your policy details, or locate a nearby medical provider, the app allows you to manage everything right from your smartphone or tablet.
The app also makes getting in touch with GuardMe Customer Care easier. You can use the app to reach out directly through live chat, email, or phone—whichever method works best for you.
To download the app, visit:
How to download the GuardMe app and access your account for the first time
To use the GuardMe App, you need to log into your GuardMe account for the first time. If you still haven't done so, please follow these steps:
- -You received a welcome e-mail from donotreply@guard.me with the title Healthcare Access Card. This e-mail has a link to create your password, and it expires in 24h. If you need a new link, please contact our Customer Care team:
Live chat at www.guard.me
E-mail customercare@guard.me
Phone 1-877-873-8447 - Toll-Free in North America
- -Once you receive the valid welcome e-mail, click the link to access your account.
- -Type your e-mail and click NEXT.
- -Click RESET YOUR PASSWORD.
- -A password reset link will be sent to your e-mail.
- -Open your e-mail and click the link to reset your password.
- -Type a password of your choice, select your date of birth and click SUBMIT.
- -After your password has been updated, you are now ready to login.
After this setup is complete, you can find the GuardMe app by typing “GuardMe” on the search bar at the Google Play Store or the Apple App Store. Click INSTALL OR GET to install the app.
Alternatively, click the following links to download the app:
Open the app and follow the instructions to log in.
How to find and download your Health Access Card (HAC)
Your Healthcare Access Card (HAC) is the proof of your insurance. You need to present this card when you visit any medical facility. You can:
- -Present your card directly from the app.
- -Save the card in the digital wallet in your phone.
- -Download the card and save it on your phone or computer.
- -Download and then print the card, to keep a printed version with you.
You will not receive a physical card. The digital card is your only official Healthcare Access Card. Please always have it with you while studying or travelling abroad.
How to find and download your insurance policy wording
Your policy wording lists the coverage and exclusions of your insurance policy. Please download and keep a copy on your phone or computer. It is available for download in multiple languages. If you need help understanding the details of it, please don’t hesitate to get in touch with our Customer Care team:
Live chat at www.guard.me
E-mail customercare@guard.me
Phone 1-877-873-8447 - Toll-Free in North America
How to find a Canadian medical provider (doctor, clinic or hospital)
Some clinics will ask you to pay for your visit and some will bill GuardMe directly. We strongly recommend you call the clinic before visiting, to ask:
-If they can see you today, or if you need to book an appointment.
-If they can bill your insurance provider (GuardMe) directly.
You have the freedom to choose any clinic, not just the preferred ones. Most walk-in clinics in Canada ask you to call ahead to book an appointment, even for walk-in visits. This is not a requirement from GuardMe but a common practice most medical providers adopt. When the clinic does not bill GuardMe directly, they will:
-Ask you to pay for your visit. In this case, please keep the receipts. You can submit a claim to GuardMe requesting to be reimbursed for the covered expenses.
-Send you an invoice with the total amount to pay for their medical services. In this case, you can submit a claim with that invoice to GuardMe. If approved, we will pay for that invoice directly, so you don't have to worry about the payment process.
It's good to know that most walk-in clinics in Canada only allow you to treat one issue per appointment. If you have two or more medical emergencies that you need to address, the clinics will ask you to book a separate appointment for each of those issues.
Howto check if a medication is covered using the drug search feature
For most insurance policies, GuardMe will cover prescription medication when a doctor requests up to a maximum 30-day or 60-day supply for some plans. Over-the-counter medications (those you can buy on the pharmacy shelf without a prescription) are not covered.
We do not cover refills or medication visits.
Please download and read your policy for a detailed list of your drug coverage.
If you need help understanding the details of your drug coverage, please don’t hesitate to get in touch with our Customer Care team:
Live chat at www.guard.me
E-mail customercare@guard.me
Phone 1-877-873-8447 - Toll-Free in North America
How to update your profile information
You can use the GuardMe app to update your address and phone information.
How to submit a claim & check the status of your claims
Some clinics do not require that you pay for the visit because they bill GuardMe directly. When they ask you to pay for the visit, you need to submit a claim to get reimbursed. If the clinic doesn’t ask you to pay but sends you an invoice, you need to submit a claim so we can pay the invoice directly to the clinic. Keep all receipts and prescriptions from your visit, so you can attach them to your claim.
The receipt is the piece of paper showing the charges for your treatment and any payments made that the doctor or hospital gives you at the time of your visit.
IMPORTANT: For prescription medications (the kind that you get from the pharmacist at the back counter in a pharmacy or drugstore), you must submit the official prescription receipt that has the following information:
- -Your name
- -The name of the doctor who prescribed the medicine
- -The name of the medication and DIN (Drug Identification Number)
Please submit your claims as soon as possible, after each medical expense.
If you need help submitting your claims, please don’t hesitate to get in touch with our Customer Care team:
Live chat at www.guard.me
E-mail customercare@guard.me
Phone 1-877-873-8447 - Toll-Free in North America
