This document discusses health insurance options for traveling abroad. It focuses on Guard.me, an educational activity-related health insurance provider. Guard.me insurance provides comprehensive coverage for medical expenses, security evacuation of up to $100,000, and non-medical benefits like family transportation of up to $5,000 for airfare and $1,500 for subsistence. Claims under $1,000 can be submitted online, while claims over $1,000 should be mailed to Guard.me. The document encourages travelers to educate themselves on their destination's laws, customs, health dangers and communications before departing.

1. Health
Insurance
in a
Changing
World

2. Do I Need Health Insurance?

3. Changing World – Military Conflicts,
Terrorism and Political Unrest
- Afghanistan, Iraq, Iran, Syria, Israel, Mexico,
India, Thailand, Russia, Spain, England, Turkey,
China…

4. Changing World – Natural Disasters

5. What to Do Before You Leave…
Access Resources such as:
• DFAIT website
• Canadian Embassy/Consulate
in your destination country
• Guard.me website – login to access Europ
Assistance Resources

6. What to Do Before You Leave…
• Educate yourself on your Destination – Laws,
Customs, Health Dangers, Communications

7. What to Do Before You Leave…
• Make sure you’re protected by comprehensive
emergency healthcare and security coverage

8. Overview of Sources of Out of
Country Health Insurance
• Provincial Healthcare Insurance
• Private Group Employee Benefits Plan
• Individual Out-of-Country Insurance
• Traditional Travel Insurance Programs
• Education-related Insurance Programs

9. guard.me: Educational Activity-
related Health Insurance
• Designed with the needs of the educational
traveler in mind
• In the event of accident or illness, our goal is to
help you complete your studies
• You can extend coverage up to 365 days at a
time for as many times as you like
• You can apply for coverage outside of Canada

10. guard.me Unique Features
• No requirement or restrictions of GHIP
• Fast and Efficient Claims Payment System
• Comprehensive Coverage
• No Terrorist or War exclusions
• Worldwide coverage from time of departure
• INSURED Security Evacuation – only one in Canada
offering this feature

11. Plan Highlights - Medical
• Hospital, X-rays, Lab Testing - 100% of eligible charges
• Prescription Drugs - 100% of eligible charges; maximum
30 day supply
• Paramedical Services - 100% of eligible charges for visits
to naturopaths, acupuncturists, massage therapists,
chiropractors, podiatrists – up to $500 per category
• Dental Accident – to $4,000

12. Plan Highlights – Non-medical
• Family Transportation for 2 members
• to $5,000 for air
• to $1,500 for subsistence
• Medical Air Evacuation
• 100% to nearest hospital or return to home country hospital
• Security Evacuation
• Up to $100,000
• AD&D $50,000
• Common Carrier to $100,000
• Burial in Host Country
• to $5,000
• Repatriation of Deceased
• to $15,000

13. How to Claim?
1. Claims less than $1000 can be conveniently
submitted online at www.guard.me
2. Claims over $1000 should be mailed

25. Contact Us
24 Hour Emergency Line: 905-667-0587
(call collect)
OR
Email: info@guard.me
OR
Website: www.guard.me

26. What Questions Do You Have?

27. Quiz Time!
• What is the family transportation benefit? (The
most COMPLETE answer wins)
• Which companies in Canada offer Security
Evacuation as an insured benefit?
• What are the two ways payments are made by
guard.me?
• Give three examples of non-medical benefits
covered by guard.me

28. Thank you for
listening…
Enjoy your travels!