Health Care
Canada has one of the finest health care systems in the world and Canadian residents enjoy a high quality of living because of it. Canadians typically pay for their health care through the tax system however because international students do not pay taxes, they must have private health insurance.
Guard.me Claims:
300 John Street, Suite 610
Thornhill, Ontario, L3T 5W4
Insurance Coverage
When you receive your insurance card, you will also receive a copy of the policy. If you are unsure what is covered by your insurance policy, do not hesitate to contact the International Department or guard.me directly at 1-877-USE-THIS.
Generally, all urgent care is covered by your insurance policy. If you are sick, your insurance will cover the cost of your medical care. If your condition is non-urgent, it may not be covered by your insurance policy.
To see what is covered in your guard.me policy see:Â www.guard.me/niagaracollege
Making a Claim
While some medical providers will bill guard.me directly, you may have to pay for the services you receive and then file a claim to be reimbursed for your expenses. Claim forms can be picked up from the International Department or through the guard.me website.
Original receipts and an explanation of why you went to the doctor must be provided. The completed claim forms and receipts can be mailed to the address listed.
Hospitals and walk-in clinics in the Niagara Region
In emergency situations, it is important that you do not hesitate about going to a hospital. Emergencies can be loss of consciousness, broken bones or poisoning.
Niagara Health – St Catharines Site
1200 Fourth Avenue, St Catharines, L2S 0A9
Niagara Health – Greater Niagara General Site
5546 Portage Road, Niagara Falls, L2E 6X2
Scott Street Medical Centre – MedCare Clinics
387 Scott Street, Unit A2C St. Catherines, L2M 3W2, Phone: 905-646-8383
Niagara Health – Welland Site
65 Third Street, Welland, L3B 4W6
Prompt Doc – Urgent Care Clinic
532 lake Street, St. Catherines ON, L2N 4H4
Real Health Family Medicine & Walk-In Clinic (Seaway Mall) –Â 800 Niagara St. North, Unit G1
Welland, L3C 5Z4, Phone: 905-732-4451 X 5
MedCare Clinics ( Pen Center) 221 Glendale Avenue
St. Catharines, L2T 2K9, Phone: (905) 687-4252
MedCare Clinics (Niagara Square) 7555 Montrose Road, Unit E2 Niagara Falls, L2H 2E9, Phone: (289) 292-0441
Welland General Hospital
65 Third Street, Welland, L3B 4W6
Niagara Falls, L2H 2E9, Phone: 289-292-0441
Greater Niagara General Hospital
5546 Portage Road, Niagara Falls, L2E 6X2
Med Care Clinic – 387 Scott Street, Unit A2C
St. Catharines, L2M 3W2, Phone: 905-646-8383
Frequently asked questions
Does my insurance cover dental care?
Your insurance will pay up to $600 CAD for dental work for the relief of acute pain and suffering.
How long does it take to get my money back?
Typically it takes 2-3 weeks.
Am I covered anywhere in Canada?
Yes, you are covered anywhere in Canada with no restrictions.
What if I have lost or not received my insurance card?
Please contact the International Student Advisor.