Opt Out

As a new international student studying at Trinity Western University, you will be enrolled in the guard.me Canada health insurance plan for 3 months. This plan is mandatory for all new international students studying in Canada, and is a condition of studying at TWU. Your coverage period is based on your program start date.

Opt-Out Option: I have valid BC MSP Coverage

If you already have valid coverage through the BC Medical Services Plan (MSP) you may be able to opt out of the guard.me Canada health insurance plan. For the opt-out request to be accepted, you must successfully complete the opt-out form, including the alternate insurance declaration and identify your start date and end date under the other plan at the time you apply to opt out. Your BC MSP coverage must include your entire guard.me coverage period or your opt-out request will be declined. The deadline to submit your opt out request is 15 days after your guard.me coverage period begins. Please see the table below for coverage start dates, based on your program start date.

Program Start Date Range* GuardMe Coverage Period (3 months) Opt-Out Deadline
Jul 1, 2025 - Jul 31, 2025 Jul 1, 2025 - Sep 30, 2025 15-Jul-25
Aug 1, 2025 - Aug 31, 2025 Aug 1, 2025 - Oct 31, 2025 15-Aug-25
Sep 1, 2025 - 30 Sep, 2025 Sep 1, 2025 - Nov 30, 2025 15-Sep-25
Oct 1, 2025 - 31 Oct, 2025 Oct 1, 2025 - Dec 31, 2025 15-Oct-25
Nov 1, 2025 - Nov 30, 2025 Nov 1, 2025 - Jan 31, 2026 15-Nov-25
Dec 1, 2025 - Dec 31, 2025 Dec 1, 2025 - Feb 28, 2026 15-Dec-25
Jan 1, 2026 - Jan 31, 2026 Jan 1, 2026 - Mar 31, 2026 15-Jan-26
Feb 1, 2026 - Feb 28, 2026 Feb 1, 2026 - Apr 30, 2026 15-Feb-26
Mar 1, 2026 - Mar 31, 2026 Mar 1, 2026 - May 31, 2026 15-Mar-26
Apr 1, 2026 - Apr 30, 2026 Apr 1, 2026 - Jun 30, 2026 15-Apr-26
May 1, 2026 - May 31, 2026 May 1, 2026 - Jul 31, 2026 15-May-26
Jun 1, 2026 - Jun 30, 2026 Jun 1, 2026 - Aug 31, 2026 15-Jun-25
Jul 1, 2026 - Jul 31, 2026 Jul 1, 2026 - Sep 30, 2026 15-Jul-26
Aug 1, 2026 - Aug 31, 2026 Aug 1, 2026 - Oct 31, 2026 15-Aug-26

*Based off the earliest course start date.

Students may use the Early Arrival option to pay for additional coverage if arriving in Canada before the 3-month coverage begins.

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