GUARD.ME INTERNATIONAL INSURANCE

***PLEASE REMEMBER TO BRING YOUR INSURANCE CARD, PICTURE ID, AND  A PRINTED INSURANCE CLAIM FORM

The following services are covered by guard.me

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)

The following services are not 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)