Foreign Health Insurance

For an important notice for individuals enrolled in Guard Me plans between 2003 and 2021, click here. 

For important information about changes to foreign health enrollment for Fall 2020 onwards, click here.

All registered international students are automatically enrolled in the Foreign Health Insurance plan.

About your foreign health insurance

  • The current provider of the foreign health insurance is Guard Me.
  • The cost of the insurance is $261.59 per semester.
  • Coverage dates align with the semester. For example, coverage for Fall is from September 1 to December 31.
  • Beginning Fall 2020, there are two new enhancements to the plan;
    1. Coverage up to $10,000 for medically necessary non-emergent treatment of a condition
    2. Medical expenses incurred as a result of actions while impaired.
  • Your policy ID is emailed to your account the end of the first month of every semester by the insurance provider, Guard Me International.
  • For information on coverage and making a claim, you can log into the insurance providers website using your policy ID.
    • Be sure to check out Guard Me’s services such as Mobile Doctor

Who is not covered and how to opt in

  • Automatic coverage does not apply to:
    • Dependents of students
    • Post docs or visiting scholars/faculty
  • For information on opting into the Foreign Health Insurance, click here.

Who can opt out

  • If you are studying outside of Canada, you must opt out of the foreign health insurance
  • If you obtain public health care offered through the Government of Newfoundland and Labrador called MCP you might be eligible to opt out of the foreign health and transfer to your student union managed health plan.
    • For information on MCP visit this website.
  • Having alternate coverage (with the exception of those outlined here) does not make you eligible to opt out.
  • For information on opting out of the foreign health insurance, click here.

If you have questions about foreign health insurance:

  • Email Natasha at
  • Book an appointment with Natasha in Navigate. Download Navigate for Students in the Apple App Store or Google Play by searching for “Navigate - students.” For the desktop version, point your Firefox or Chrome browser to: and select Log In. Use your MUN Login ID and password to access Navigate for Students.

Important Message regarding changes to to the foreign health insurance effective Fall 2020 onwards

The Internationalization Office (IO) is implementing changes to the administration of the foreign health insurance plan and the option for full time international students with MCP to opt out of the foreign health and transfer to the student union plan.

Effective Fall 2020, all international students who were previously covered under their student union health plan will be reverted back to the foreign health insurance. Students can opt out of the foreign health and transfer to the student union health plan if they are registered as full time students and hold a valid MCP. This opt out and transfer is valid for the remainder of the academic year. This means that every Fall semester, international students will be reverted back to the foreign health plan and will have to opt out again, if eligible.

Students registered for a work term will not be charged foreign health or any student union insurance and as such are not eligible to complete the opt out and transfer described above. Students on a work term must opt into an insurance plan if they are working in Canada. If you have a valid MCP, you can opt into your student union plan. If you do not have a valid MCP, you can opt into the foreign health. Remember, MCP is for coverage inside of NL. If you are out of province, you do not have MCP coverage unless you have successfully obtained Out of Province MCP Coverage. To opt into the foreign health, go to To opt into your student union insurance, visit their website

If you are studying outside of Canada you must opt out of insurance. To opt out, visit during the opt out period to complete an Outside of Canada Waiver. If you are a graduate student, you are also automatically charged GSU dental and will need to complete a separate opt out for your dental insurance, see

NOTICE FOR INDIVIDUALS (STUDENTS, POST-DOCS AND VISITING STUDENTS) ENROLLED IN GUARD.ME PLANS BETWEEN 2003 TO SPRING 2021:, the foreign health insurance provider, has advised of a potential privacy breach they encountered. On May 12 and June 18, 2021, an unauthorized third-party accessed the computer network. Upon discovering this, took steps to secure their systems and conduct a comprehensive analysis to determine how the incident occurred and what information may have been involved. They determined that certain personal information may have been subject to unauthorized access. Although found no evidence that suggests any information has been misused as a result of this incident, they believe it is prudent to take steps to notify the potentially affected individuals and provide them with information that will help them safeguard their identity.

The privacy breach may have affected some current or former students enrolled in insurance plans. As this may affect you, and to learn more, please note the below:

If students would like further information, they can visit or call at 1-888-348-1946 or +1 905-752-6207 from 8am – 8pm ET.
In addition, to mitigate any potential risk to students, is offering Credit Monitoring services for the next year through one of the most trusted and recognized providers of Credit Monitoring solutions. has also established a Media Relations contact at
Additionally, please be advised that you may contact the province's Information and Privacy Commissioner ( about the incident.


Internationalization Office

230 Elizabeth Ave, St. John's, NL, CANADA, A1B 3X9

Postal Address: P.O. Box 4200, St. John's, NL, CANADA, A1C 5S7

Tel: (709) 864-8000