Medical Insurance & Coverage

Okanagan College requires that all international students have valid medical coverage for the duration of their studies.

Find out what medical insurance you need and how to enroll.

Guard.me medical Insurance

guardme card 

 Eligibility 
  • All new & exchange students
  • Returning students who do not have MSP
  • Short term students and those without a study permit (< 6 months)
 Enrollment
  • All new & exchange students are automatically enrolled for the first semester.
  • All continuing international and exchange students with no MSP are automatically enrolled for the semester
 Cost
  • $250 per semester applied to student fees
 Out-out
  • Deadline: First month of each semester
  • Done online at www.guard.me/oc
  • You will need proof of MSP
    • Front of MSP card plus:
    • The letter that your MSP card was attached to (showing a coverage start date); or
    • A recent MSP invoice showing your coverage prior to the semester stars
  • Out  out before the current semester coverage ends to not be re-enrolled for next semester.
  • No cancellation after the deadline of Opt-out
How to obtain a card
  •  Your guard.me ID card will be sent to MyOkanagan email.
  • Also, you can download it at www.guard.me/oc
Early Arrival
  • You can purchase early arrival insurance to cover up to 6 weeks prior to semester start at www.guard.me/oc
  • $ 2 per day; purchased online with credit card
 Dependents
  • You can purchase your dependents' coverages in association with your coverage at www.guard.me/oc
How to make a claim
  • Submit claims online: www.guard.me/oc
  • Upload scanned receipts and medical records, have a print nearby.

Medical Services Plan (MSP)

msp card

 Eligibility 
  • Students who are studying longer than 6 months and have a valid study permit
 Enrollment
  • Eligible after 3 months wait period
  • Apply for MSP upon Arrival
  • New students who arrive in BC 2~3 months prior to the semester start are responsible to apply for soon after arrival
  • How to apply MSP
 Cost
  • $37.50 a month billed by BC government
 Out-out
  • No out-out, mandatory for Residents in BC for 6 months or longer
  • Students who are planning to leave BC for more than 6 months must contact MSP to confirm continued eligibility otherwise they may suspend your MSP temporarily 
How to obtain a card
  • You will receive it by mail after 1 month.
  • Make sure you update your current address with MSP.
Early Arrival
  • N/A
 Dependents
  • You may add dependents when you apply for yours.
  • You will need photos of your dependents' visa
How to make a claim
  • No need to make a claim.
  • Direct billing to health care provider

Extended Health and Dental Plan

ocsu logo
 Eligibility 
  • All full time academic students
 Enrollment
  • All full time academic students are automatically enrolled each semester.
 Cost
  • Approximately $125 per semester applied to student fees
 Out-out
  • Online opt-out is available if you are covered by an equivalent plan (such as by your employer).
How to obtain a card
  • Visit the Student Union office at your campus or online.
Early Arrival
  • N/A
 Dependents
  • N/A
How to make a claim

  • All international and exchange students are automatically enrolled with mandatory Guard.me medical insurance in their first semester.
  • All continuing international and exchange students are auto-renewed with guard.me insurance if proof of MSP has not been received.
  • Short-term students in programs 6 months or less such as ESL or those without a study permit will stay on Guard.me coverage the entire duration of your studies at Okanagan College.
  • To out-out from the current semester, online opt-out must be completed within the first calendar month of the semester. Fees will be reversed approximately 6 weeks after start of semester.
  • Once guard.me opt-out has been successfully completed, you will not be re-enrolled next semester.
  • If you opt out after the opt-out deadline, the medical fee will not be reversed for the current term but you will not be re-enrolled for next semester.