GUARD.ME INTERNATIONAL INSURANCE

COVERAGE

Covered by Guard.me

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The following services can be billed directly to guard.me with display of valid guard.me ID.


For acute conditions that began no less than 5 days after the policy start date and before the policy end date, including: 


  • Bladder / Kidney Infection
  • New & Acute Fractures
  • Cold / Flu
  • Acute Exacerbation & Complications of Chronic Conditions (ex. asthma attacks, insulin shock)
  • Conjunctivitis / Pink Eye
  • Gastrointestinal: Nausea / Vomiting / Upset Stomach / Food Poisoning
  • Headaches / Migraines
  • Hives / Rash
  • Lacerations / Contusions
  • Acute Respiratory Issues: Cough / Bronchitis / Sinus Infection / Pharyngitis / Strep Throat
  • Sprains / Strains
  • Symptomatic STD (NOT for screening, counselling, or routine testing)
  • Warts (new)
  • Acute Pain (NOT related to a chronic illness or injury)
  • Prescription Medication up to 30-day supply for new and urgent conditions (NOT cover over-the-counter, preventive, vitamins or ethical drugs)

NOT Covered by Guard.me

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The following services may have restrictions or may NOT be covered by guard.me.  


Patients pay $125 for a consultation regarding any condition that began outside of policy coverage dates, including:


  • Acne
  • Annual / General Physical
  • Blood Pressure Check
  • Chronic Conditions (ex. Asthma, Hypertension, Cholesterol, Diabetes, Mental Health, ADHD, Eczema. Thyroidism, Triglycerides)
  • Counselling (ex.  Weight Control, Baldness, Dietary, Smoking Cessations, Sexual Health)
  • Diagnostic Tests - MRI and CT Scans require prior approval
  • Immunizations / Vaccinations (ex. HPV) / Injections / Immunity Screening 
  • TB Surveillance
  • New Patient Exams
  • Preventative, elective, or non-emergency treatment (ex. monitoring of chronic conditions)
  • Congenital or Genetic Disorders
  • Prescription Refills and Visits for Rx Refills
  • Psychotherapy Counselling
  • Sexual Health (ex. Birth Control / Contraception, STI Counselling, Infertility / Erectile Dysfunction) 
  • Form Completion
  • Sick Notes
  • Substance Use (ex. alcohol, drug)
  • Seasonal Allergies
  • Pregnancy-Related Visits (Call 1-888-756-8428 to confirm pregnancy coverage)