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 StudentGuard 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: www.guard.me/niagaracollege

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While some medical providers will bill StudentGuard 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 StudentGuard 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.

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In emergency situations it is important that you do not hesitate going to a hospital. Emergencies can be loss of consciousness, broken bones or poisoning.