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Health Insurance
in a Changing
World
Do I Need Health Insurance?
Changing World – Military Conflicts, Terrorism and Political Unrest
- Afghanistan, Iraq, Iran, Syria, Israel, Mexico, India, Thailand, Russia, Spain, England, Turkey, China…
Changing World – Natural Disasters
What to Do Before You Leave…Access Resources such as:
• DFAIT website
• Canadian Embassy/Consulate in your destination country
• Guard.me website – login to access Europ Assistance Resources
What to Do Before You Leave…
• Educate yourself on your Destination – Laws, Customs, Health Dangers, Communications
What to Do Before You Leave…• Make sure you’re protected by comprehensive
emergency healthcare and security coverage
Overview of Sources of Out of Country Health Insurance
• Provincial Healthcare Insurance
• Private Group Employee Benefits Plan
• Individual Out-of-Country Insurance• Traditional Travel Insurance Programs
• Education-related Insurance Programs
guard.me: Educational Activity-related Health Insurance
• Designed with the needs of the educational traveler in mind
• In the event of accident or illness, our goal is to help you complete your studies
• You can extend coverage up to 365 days at a time for as many times as you like
• You can apply for coverage outside of Canada
guard.me Unique Features
• No requirement or restrictions of GHIP
• Fast and Efficient Claims Payment System
• Comprehensive Coverage
• No Terrorist or War exclusions
• Worldwide coverage from time of departure
• INSURED Security Evacuation – only one in
Canada offering this feature
Plan Highlights - Medical• Hospital, X-rays, Lab Testing - 100% of eligible
charges
• Prescription Drugs - 100% of eligible charges; maximum 30 day supply
• Paramedical Services - 100% of eligible charges for visits to naturopaths, acupuncturists, massage therapists, chiropractors, podiatrists – up to $500 per category
• Dental Accident – to $4,000
Plan Highlights – Non-medical• Family Transportation for 2 members
• to $5,000 for air• to $1,500 for subsistence
• Medical Air Evacuation • 100% to nearest hospital or return to home country
hospital• Security Evacuation
• Up to $100,000• AD&D $50,000
• Common Carrier to $100,000• Burial in Host Country
• to $5,000• Repatriation of Deceased
• to $15,000
How to Claim?
1. Claims less than $1000 can be conveniently submitted online at www.guard.me
2. Claims over $1000 should be mailed
Contact Us
24 Hour Emergency Line: 905-667-0587 (call collect)
OREmail: [email protected]
ORWebsite: www.guard.me
What Questions Do You Have?
Quiz Time!
• What is the family transportation benefit? (The most COMPLETE answer wins)
• Which companies in Canada offer Security Evacuation as an insured benefit?
• What are the two ways payments are made by guard.me?
• Give three examples of non-medical benefits covered by guard.me
Thank you for listening…
Enjoy your travels!
