GUARD.ME INTERNATIONAL INSURANCE
COVERAGE
Covered by Guard.me
***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)
NOT Covered by Guard.me
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)