Opt Out
As a current International Student studying at Memorial University of Newfoundland, you will be enrolled in the Foreign Health Insurance Plan provided by GuardMe as of January 1, 2026. The foreign health insurance plan is mandatory for registered international students studying at Memorial University.
I am studying outside of Canada for the Winter 2026 term
If you are not in Canada, the Foreign Health Insurance plan is not available to you and you MUST OPT OUT by completing the Out of Canada Waiver in order to receive a credit to your Student Account. The deadline to complete this opt out waiver is January 20, 2026.
I have MCP and want to transfer to a student union managed health plan
You are eligible to opt out from the foreign health insurance plan and be automatically enrolled in your student union health plan if you are a full-time student (excludes undergraduate students on a work term and Intensive English Program Students) with valid MCP (must be valid from at least January 1, 2026 and beyond January 20, 2026). Student union health coverage is intended to supplement valid provincial healthcare coverage.
Note:
- Graduate students are only eligible to opt out in their first semester or Fall semester unless they could not meet opt out deadlines due to delay/ineligibility of MCP coverage dates
- Medicine students are only eligible to opt out in Fall semester
- MI students are not eligible to opt out in Spring
- If you are an undergraduate student on a work term in Winter 2026, you are not eligible to opt out online. For opt out instructions, see https://www.mun.ca/international/students-and-alumni/health-insurance/opting-out-of-the-foreign-health-insurance/#workterm
- If you are part time student, you are not eligible to opt out
- If you are an Intensive English Program Student, you are not eligible to opt out
To opt out, you must attest to holding a valid MCP and you must provide the start and end date of MCP coverage. MCP must be valid on or before January 1, 2026, valid beyond January 20, 2026 and subject to renewal. This opt out is valid for the remainder of the 2025-2026 academic year (September-August). You will need to opt out again in Fall 2026, if eligible. The deadline to complete this opt out and transfer is January 20, 2026.
I have Alternative Coverage Accepted by Memorial University
If you already have valid coverage through the Libyan Scholarship program administered by CBIE or the Interim Federal Health Plan as a refugee claimant, you may opt out of the Foreign Health Insurance. To opt out, you must attest to holding a valid acceptable alternate coverage and you must provide the start and end date of this coverage. This opt out is valid for the remainder of the 2025-2026 academic year (September-August). You will need to opt out again in Fall 2026, if eligible. The deadline to complete this opt out is January 20, 2026.
*Please note that charges for your Foreign Health Plan will not be removed from your account until the end of January provided you have successfully completed the opt out process on this site.
The opt out window is currently closed. For future term updates, please continue to monitor your school’s website and the GuardMe opt out page.
Who We Are
Canadian. Independent. Trusted.
GuardMe a proudly Canadian-owned and independent company,
has been unwavering in its commitment to safeguarding international students, staff, and schools since 1998.
For nearly three decades, we've poured ourselves into building strong partnerships with educational institutions
to bolster student support and foster safe, nurturing learning environments that make a difference.
As a trailblazer in the industry, GuardMe was the first
to introduce a Wellness Program, recognizing that
mental health is just as vital as physical well-being. Our 24/7 multilingual mental health helpline, virtual
counselling, and crisis intervention services provide immediate, culturally sensitive support, empowering
students to navigate life abroad confidently.
GuardMe was also the first provider to achieve ISO and
SOC 2 compliance in both security and privacy.
Unlike our venture-capital-backed competitors, we store all student data exclusively in Canadian data centres,
safeguarded by some of the world's strictest privacy laws. With advanced encryption and continuous investment
in security innovations, we set the industry benchmark for data protection.
Mental Wellness Student Support Program
keep.meSAFE’s innovative Student Support Program (SSP) helps students by promoting early
intervention and 24/7 access to mental health support. We help students manage their mental
health so they can fully participate in academic life and complete their studies. keep.meSAFE
is the first support program to use linguistically and culturally matched licensed clinicians,
providing your students a welcoming place where they are comfortable to seek help.
Program Features
Full integration with on-campus resources
Master’s level counsellors experienced in supporting domestic and international students
Access to a counsellor who understands their culture in their preferred language
Immediate and fully confidential support 24/7, through chat and telephone, as well as ongoing support
Free My SSP app with direct access to counsellors and self directed multilingual resources
Outcomes based success measures to report on results
Did you know?
50%
50% of students have felt overwhelming anxiety, making it hard to succeed academically
31%
31% of post-secondary students have felt so depressed that it was difficult to function
Want more information?
Contact our keep.meSAFE sales team,
[email protected]
www.keepmesafe.org
If this is an emergency, please call 911 immediately.
Get support when you need it most
Studying at college or university whether in another country or another city can be a wonderful and exciting life experience.
But it can also be a time of tremendous stress and isolation as you learn to navigate a new landscape and begin campus life.
The GuardMe Student Support Program is a support service available to eligible students that can help
them with challenges faced when studying or living abroad. You can contact SSP anytime – day or night – to speak with
a counsellor who has experience supporting the unique challenges students face.
Access support from anywhere and anytime
Download the TELUS Student Support App from either the Apple App Store or Google Play
Call 1-844-451-9700
Outside North America 001-416-380-6578
Chat directly with a counsellor through the app.
Visit www.gmssp.org to learn more!
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Provides you with confidential support
SSP is completely confidential within the limits of the law,
so no one – including your family, friends, or professors – will ever know you
used the program unless you choose to tell them
Talk to a an SSP counsellor who
- Is available 24/7 and at no cost to you
- Keeps your information confidential
- Understands your culture
- Speaks your language
Get help and advice about anything
- Being successful at school
- Relationships with friends and family
- Language and cultural barriers
- Anxiety and stress
- Balancing work and school
- Adapting to new cultures
mobileDOCTOR by guard.me allows you to connect with Canadian
doctors on Maple, a telemedicine company, as a part of your health
benefits. Maple provides access to doctors, Canada wide, on your
phone, tablet or computer anytime, anywhere.
Seeing a doctor on Maple is safe and reliable, and can help prevent
the need to go to a walk-in clinic or Emergency Room.
When outside of Canada the Mobile Doctor service connecting you
to a Canadian doctor in real time remains available 24/7 for advice
purposes only.
How It Works
2. Apply account coverage for family members
To add insured family members, click on “Patient Profiles” from the dashboard.
In “Account Settings” under the “Coverage” tab, add the relevant guard.me policy numbers.
3. Chat With A Doctor
Click the “See The Doctor” button and a Maple doctor will respond to you in minutes.
You can have your consultation by text, video, or audio chat.
4. Get a diagnosis, prescription, or lab requisition
Doctors can diagnose injuries and illnesses, write prescriptions, and provide lab requisitions, all within your consultation. Please note that only eligible prescriptions and lab requisitions are covered by guard.me and can only be provided if you are in Canada.
What Can Be Treated
Sign up today at guard.me/mobiledoctorOpens a new window
Mobile Doctor - How To Video
Limitation on Liability
The Insurer, the Plan Administrator and/or the Claim Administrator are not responsible for the availability,
quality or results of any Medical Treatment, or Your failure to obtain Medical Treatment or transportation
and shall not be held liable for any negligence, wrongful acts or omissions of any service providers.
Do you need more information?
Please write to us at:
[email protected]
