Medical Insurance for International Students

med ins

All international students have a variety of medical coverages depending on your date of arrival, length of stay, and current coverage. Most students who arrive in Canada for their first semester of study will be automatically enrolled in a temporary policy (Guard Me) for 3 months while waiting for BC MSP to begin.

 

Types of Medical Insurances

All international students studying for more than 6 months in BC are required to have basic medical coverage. This medical coverage is issued through the government of British Columbia and is called the Medical Services Plan (MSP).

MSP covers the cost of any medically required service provided by a physician enrolled with MSP. There is a monthly fee for this coverage and it is billed to you directly by the government. The total cost of MSP is $75 per month, per student. You can apply for MSP coverage online or by mail. You will be required to submit a scan of your study permit for the MSP application.

If you applied for a study permit extension and are waiting to renew your MSP, you may purchase a temporary plan while you wait. Please see the section below for more information. 

If you plan to leave Canada for more than 6 months, you may need to reapply for MSP on return. Click here for more information regarding leaving BC. 

First semester international students at Douglas College are charged $189.00 for private basic medical insurance coverage provided by Guard Me during the 90 day mandatory BC Medical Services Plan wait period.

This coverage starts on their first day of class. Additional coverage may be purchased for early arrivals or family members.

Non-new / returning students arriving in Canada can also purchase temporary medical insurance through Guard Me during the MSP waiting period or any gaps in MSP coverage. You may need your student ID and may be asked to provide proof of enrollment. 

Guard Me temporary medical insurance for Douglas College students

Guard Me Medical Insurance Cards

New international students will receive their insurance cards after the add/drop date of each semester. Dont worry, new international students are covered starting the first day of the semester or the day you purchase Guard Me medical insurance if you arrive early before the semester begins. 

IMPORTANT: If you need any medical assistance before your receive your card, please contact us or call the international office at 604-527-5650. 

Opting Out of Guard Me

In some cases, students are able to opt out of their first semester plan directly with Guard Me after the add/drop deadline (September 20, 2021). 

  • For those that are studying online from overseas, you may opt out here
  • For those that are already in Canada, and have MSP coverage, you can opt out here

Note: New student medical insurance fees are still payable to Douglas College and may still show on your myAccount. You must pay this fee even if you are eligible to opt out. 

This extended coverage plan covers things that are not covered by the MSP, such as ambulance fee, vision care, dental care and prescription drugs. Full-time students registered in a Fall semester are automatically enrolled in the Student Health and Dental plan for $250 per year, charged as part of the tuition fees. The insurance period begins on September 1 and ends on August 31 of the following year.

If you start your studies in a Winter semester, you can opt-in to the coverage during the last two weeks of January. See the individual enrollment options here.

For more details about this insurance plan and what it covers, visit the DSU website.

Accessing Medical Services

Seeking medical support in a new country can be challenging. Generally, international students go to either a walk-in clinic or a hospital (Emergency Room) when they require a medical attention. See the chart below to find out when you should go to a clinic or a hospital.

Bring your MSP card or Private Insurance Card. If you have a private insurance, you may need to pay any fees in advance and submit a claim for reimbursement. If you do not have a medical insurance coverage, you will be required to pay for medical services in FULL out of pocket. 

You should visit a clinic if you need to see a doctor, but the situation is not urgent or does not require immediate attention.

Examples:

  • Colds and flus
  • Minor injuries (cuts, sprains etc.)
  • Routine check-up

Most clinics are by walk-in basis and do not require an appointment. It is on a first come, first serve basis.

Find a Clinic near you

For immediate medical attention, go to the Emergency Room at a hospital.

The closest hospital to Douglas College New Westminster Campus is:
 

Royal Columbian Hospital

330 E Columbia St

New Westminster, BC V3L 3W7

Phone: 604-520-4253

 

The closest hospital to Douglas College David Lam Campus is:

 

Eagle Ridge Hospital

475 Guildford Way

Port Moody, BC V3H 3W9

Tel: 604-461-2022

Babylon by TELUS Health lets you see a doctor*, mental health counsellor or dietitian from your phone, where and when it’s convenient for you.

*Doctor consultations for BC residents are covered under the Medical Services Plan (MSP).

https://www.telus.com/en/health/personal/babylon

 

Talk to a Doctor

Book a video-appointment with a Family Doctor or Mental Health Counsellor, even on evenings and weekends.

Get a prescription or referral

After your consultation, get prescriptions and referrals for diagnostic tests or specialists as needed, directly through the app. 

Check your symptoms

Powered by Artificial Intelligence, our Symptom Checker asks you questions about your symptoms to suggest possible courses of action.

Digitally monitor your health

With the Healthcheck and Monitor features, get practical insights about your physical and mental health to make positive lifestyle changes.

iOS download button Android download button

mobileDOCTOR by guard.me allows you to connect with Canadian doctors on Maple, a telemedicine company, as a part of your health benefits. Maple provides access to doctors, Canada wide, on your phone, tablet or computer anytime, anywhere.

Seeing a doctor on Maple is safe and reliable, and can help prevent the need to go to a walk-in clinic or Emergency Room.

When outside of Canada the mobileDOCTOR service connecting you to a Canadian doctor in real time remains available 24/7 for advice purposes only.

8-1-1 is a free-of-charge provincial health information and advice phone line available in British Columbia. The 8-1-1 phone line is operated by HealthLink BC, which is part of the Ministry of Health. By calling 8-1-1, you can speak to a health service navigator, who can help you find health information and services; or connect you directly with a registered nurse, a registered dietitian, a qualified exercise professional, or a pharmacist. Any one of these healthcare professionals will help you get the information you need to manage your health concerns, or those of your family.

https://www.healthlinkbc.ca/services-and-resources/about-8-1-1

Use this app to prove who you are when you log in to online services. The BC Services Card app is available for Android™ and iOS (iPhone® and iPad®).

https://www2.gov.bc.ca/gov/content/governments/government-id/bc-services-card/log-in-with-card/set-up-mobile-card/download-bcsc-app

New to Canada?

Be sure to apply for MSP as soon as you arrive. This is mandatory for all BC residents and students staying longer than 6 months. Note: there is a 3 months processing time. Please see 'Guard Me (temporary medical insurance)'.

Apply for MSP