Opt Out
PLEASE NOTE; Beginning in Fall 2026, there are two important changes to Memorial University’s Foreign Health Insurance with GuardMe. You can read the full notice here.
As a current International Student studying at Memorial University of Newfoundland, you will be enrolled in GuardMe Enhanced@Memorial (Foreign Health Plan A) provided by GuardMe as of September 1, 2026. The GuardMe Enhanced@Memorial (Foreign Health Plan A) is mandatory for registered international students studying at Memorial University.
I am studying outside of Canada for the Fall 2026 term
If you are not in Canada, the GuardMe Enhanced@Memorial (Foreign Health Plan A) 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 September 23, 2026.
I have MCP and want to transfer to GuardMe PLUS Canada (Foreign Health Plan B) + a student union managed health plan
You are eligible to opt out from the GuardMe Enhanced@Memorial (Foreign Health Plan A) and be automatically enrolled in GuardMe PLUS Canada (Foreign Health Plan B) + 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 September 1, 2026 and beyond September 23, 2026). Student union health coverage is intended to supplement valid provincial health care coverage with coverage for prescription medication, paramedical services, vision and dental care. GuardMe PLUS Canada (Foreign Health Plan B) provides emergency coverage for students that is not available through MCP or the student union plans.
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 Fall 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 of the GuardMe Enhanced@Memorial (Foreign Health Plan A), 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 September 1, 2026, valid beyond September 23, 2026 and subject to renewal. This opt out is valid for the remainder of the 2026-2027 academic year (September-August). You will need to opt out again in Fall 2027, if eligible. The deadline to complete this opt out and transfer is September 23, 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 2026-2027 academic year (September-August). You will need to opt out again in Fall 2027, if eligible. The deadline to complete this opt out is September 23, 2026.
*Please note that charges for your Foreign Health Plan A will not be removed/adjusted on your account until the end of September provided you have successfully completed the opt out process on this site.
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