A special Apple or Android app is also available for download, to ensure you have easy access to your policy details at all times.

Transcription

1 Student Insurance We have created a special insurance policy with trusted insurance provider guard.me, to ensure you feel protected and secure when you travel and study with us. Our partner guard.me have won the Language Travel Magazine Star Award for Best International Insurance Provider five times, and are the only provider with Super Star Status. This special policy has been designed to suit the specific needs of our students travelling abroad to study on our adult courses, and gives a very good level of cover for all destinations. Enrolment is extremely easy and can be done at the same time as booking your course. Within 24 hours you will receive confirmation of your policy, and within 48 hours you will receive a card via , which you can carry with you as proof of your insurance protection. A special Apple or Android app is also available for download, to ensure you have easy access to your policy details at all times. Your insurance cover will vary by slightly by your destination country: US and South Africa In the US and South Africa, our insurance will cover you for accidents and emergency illness, up to a maximum of $2m. It is important to know that whether or not you choose to take this insurance option, by law you must have some health insurance to study in the US. Read more about the insurance cover for US and South Africa on pages 2&3. Canada If you are studying in Canada, our insurance will cover you for accidents and emergency illness, up to a maximum of $2m with no excesses or coinsurance. Read more about the insurance cover for Canada on pages 4&5. Your policy document is available in 13 languages so you will understand it completely. And in the unfortunate case that you need to make a claim, you will have the highest level of support from the guard.me team who can communicate with you in any one of 140 languages. UK and Malta If you are studying in the UK or Malta, your insurance will cover you for accidents and emergency illness, plus cancellation or curtailment of your trip. There is no upper limit on the amount you can claim for medical claims; trip cancellation and curtailment maximum is Read more about the insurance cover for UK and Malta on pages 6&7. For further details, plus Terms and Conditions, please visit: If you can t find the information you need take a look at the FAQ s. 1

2 turbo FACTS: DID YOU KNOW? That in many countries a night in the hospital can cost upwards of $3000? That something as simple as a broken arm can cost as much as $2,000 to put in a cast? If you need surgery it can easily cost $10,000 or more? Why let something like unexpected medical expenses ruin your adventure? If you suffer a sickness or injury, the most important thing is to get the medical attention you need. Without health insurance, the high cost of medical services outside your home country could limit your access to the care you need, or leave you with a large debt to pay. As you travel and discover other countries, it is important to be protected by a comprehensive insurance policy that offers global support and assistance. Insurance needs to be an important part of your journey. Let guard.me insure your health and well-being while you focus on your trip. You can rely on our experts 24 hours a day, 7 days a week for friendly, award-winning help, advice and support. WHAT IF I LOSE MY ID CARD OR POLICY? To obtain copies of your ID Card, Policy Wording or Policy Summary, simply logon to and follow the easy instructions. WHO DO I CALL IN AN EMERGENCY OR TO GET INFORMATION? Call the emergency assistance number located on the back of your ID Card. Multi-lingual help is available 24 hours a day, 7 days a week. HOW DO I FIND A CLINIC? You may go to any clinic for medical attention, or for help finding a local doctor/clinic, call the assistance number on the back of your ID Card. HOW DO I MAKE A CLAIM? For claims, such as prescription drugs, doctor or hospital visits, and for all claims information simply logon to select Making a Claim and follow the easy instructions. HOW WILL I KNOW WHEN MY CLAIM HAS BEEN PROCESSED? Guard.me processes your claims quickly and efficiently. To track your claim, logon on to select Making a Claim and follow the easy instructions. POLICY INFORMATION: Please see over for a Summary of our guard.me International Policy. For additional information, visit your school, your school website or go to to download a copy. Enrollment Inquiries: admin@guard.me Claims Inquiries: claims@guard.me MOBILE DEVICES? Go to to download our application or use the QR codes below. Underwritten by: Reliable Life Insurance Company 100 King Street West, 11th Floor, Hamilton, Ontario, Canada L8N 3K9 ISO9001:2008 Registered GGS1043/0412 INTERNATIONAL

3 INTERNATIONAL SERVICE BENEFITS SERVICE BENEFITS SERVICE BENEFITS Hospital X-rays, Lab Testing Physician/Surgeon Psychiatric Hospitalization Psychotherapy ; Semi-private room; Private room where medically required ; benefit is payable to a lifetime maximum of $50,000 for a) psychiatrist inpatient fees following an emergency up to $10,000 in addition to hospitalization benefit above or b) up to $1,000 for outpatient psychiatrist or psychologist care Paramedical Services up to $500 for Chiropractor, Massage Therapist, Acupuncturist, Naturopath, Chiropodist /Podiatrist no referral from physician required Physiotherapy/ Speech Therapy up to $1,000; unlimited if provided as inpatient service Private Nursing up to $15,000 Emergency Taxi fare to or from a hospital or Transportation medical clinic up to $100 Prescription Drugs to a maximum 30-day supply; unlimited when hospitalized Dental Accidental up to $4,000 Injury for Emergency dental treatment as the result of an injury caused by an accidental blow to the mouth Dental Emergency Prosthetics/Appliances AccessAbility Maternity Family Transportation up to $600 for relief of pain and suffering when 6 months of coverage is purchased for crutches, canes, wheelchairs, walkers, casts etc. For disabled students, coverage for Corrective Device Defect, Malfunction and Theft Protection Serious complications to pregnancy covered When you are hospitalized for more than 7 days, up to $5,000 for air tickets, for 2 family members to join you; up to $1,500 for expenses Air Evacuation/ Return Home 100% of the cost to transport you to the nearest hospital or to a hospital in your Home Country Accidental Death $50,000 (optional coverage and Dismemberment available up to $200,000) Common Carrier $100,000 Trauma Counselling Burial in Host Country Repatriation of Deceased Security Evacuation Up to 6 sessions if an insured suffers a loss under the accidental death and dismemberment benefit Up to $5,000 for the cost of preparing the remains, cremation or burial and a burial plot in the location where death occurs Up to $15,000 toward the cost of preparation and return to your Home Country up to $100,000 in the event of: a) Natural Disaster b) Political or Military unrest c) Terrorist Act Ambulance WORLDWIDE COVERAGE UP TO $2,000,000 notice from turbo: This is a summary of benefits available under the guard.me International policy. Certain limitations and exclusions may apply. Full details are found in the guard.me International policy. The actual policy wording governs. All benefits are in Canadian currency and are per 365 day period. Prior approval required for certain benefits.

4 turbo FACTS: DID YOU KNOW? That in Canada a night in the hospital can cost upwards of $3000? That something as simple as a broken arm can cost as much as $2,000 to put in a cast? If you need surgery it can easily cost $10,000 or more? If you suffer a sickness or injury, the most important thing is to get the medical attention you need. Without health insurance, the high cost of medical services outside your home country could limit your access to the care you need, or leave you with a large debt to pay. As you travel and discover other countries, it is important to be protected by a comprehensive insurance policy that offers global support and assistance. Insurance needs to be an important part of your journey. Let guard.me insure your health and well-being while you focus on your trip. You can rely on our experts 24 hours a day, 7 days a week for friendly, award-winning help, advice and support. WHAT IF I LOSE MY ID CARD OR POLICY? To obtain copies of your ID Card, Policy Wording or Policy Summary, simply logon to and follow the easy instructions. WHO DO I CALL IN AN EMERGENCY OR TO GET INFORMATION? Call the emergency assistance number located on the back of your ID Card. Multi-lingual help is available 24 hours a day, 7 days a week. HOW DO I FIND A CLINIC? Simply logon to select Clinic Search and enter your details. Once you have chosen a clinic, show them your ID Card to have your invoice sent directly to guard.me. HOW DO I MAKE A CLAIM? For claims, such as prescription drugs, doctor or hospital visits, and for all claims information simply logon to select Making a Claim and follow the easy instructions. HOW WILL I KNOW WHEN MY CLAIM HAS BEEN PROCESSED? Guard.me processes your claims quickly and efficiently. To track your claim, logon on to select Making a Claim and follow the easy instructions. POLICY INFORMATION: Please see over for a Summary of our guard.me Canada Policy. For additional information, visit your school, your school website or go to to download a copy. Enrollment Inquiries: admin@guard.me Claims Inquiries: claims@guard.me MOBILE DEVICES? Go to to download our application or use the QR codes below. Underwritten by: Reliable Life Insurance Company 100 King Street West, 11th Floor, Hamilton, Ontario, Canada L8N 3K9 ISO9001:2008 Registered SGS1043/0412 CANADA

5 CANADA SERVICE BENEFITS SERVICE BENEFITS SERVICE BENEFITS Hospital X-rays, Lab Testing Physician/Surgeon ; Semi-private room; Private room where medically required Psychiatric ; Hospitalization benefits payable up to $50,000 Psychotherapy for a) psychiatrist inpatient fees following an emergency up to $10,000 in addition to hospitalization benefit above or b) up to $1,000 for outpatient psychiatrist or psychologist care Eye Exams up to $100 for one non-emergency eye exam when 6 months of coverage is purchased Paramedical Services up to $500 for Chiropractor, Massage Therapist, Acupuncturist, Naturopath, Chiropodist /Podiatrist no referral from physician required Physiotherapy/ Speech Therapy up to $1,000; unlimited if provided as inpatient service Private Nursing up to $15,000 Ambulance Emergency Taxi fare to or from a hospital or Transportation medical clinic up to $100 Prescription Drugs to a maximum 30-day supply; unlimited when hospitalized Dental Accidental up to $4,000 Injury for Emergency dental treatment as the result of an injury caused by an accidental blow to the mouth Dental Emergency Prosthetics/Appliances AccessAbility Annual Non-emergency Exam Out of Canada Coverage up to $600 for relief of pain and suffering when 6 months of coverage is purchased for crutches, canes, wheelchairs, walkers, casts etc. For disabled students, coverage for Corrective Device Defect, Malfunction and Theft Protection 100% of charges for one exam up to $150 when 6 months of coverage is purchased All eligible expenses anywhere in the world except - coverage in USA limited to 30 days; no coverage in Home Country unless part of school or training program COVERAGE UP TO $2,000,000 Maternity Family Transportation Air Evacuation/ Return Home Serious complications to pregnancy covered When you are hospitalized for more than 7 days, up to $5,000 for air tickets, for 2 family members to join you; up to $1,500 for expenses 100% of the cost to transport you to the nearest hospital or to a hospital in your Home Country Accidental Death $50,000 (optional coverage and Dismemberment available up to $200,000) Common Carrier $100,000 Trauma Counselling Burial in Host Country Repatriation of Deceased Up to 6 sessions if an insured suffers a loss under the accidental death and dismemberment benefit Up to $5,000 for the cost of preparing the remains, cremation or burial and a burial plot in the location where death occurs Up to $15,000 toward the cost of preparation and return to your Home Country notice from turbo: This is a summary of benefits available under the guard.me Canada policy. Certain limitations and exclusions may apply. Full details are found in the guard.me Canada policy. The actual policy wording governs. All benefits are in Canadian currency and are per 365 day period. Prior approval required for certain benefits.

6 turbo FACTS: DID YOU KNOW? That in many countries a night in the hospital can cost upwards of $3000? That something as simple as a broken arm can cost as much as $2,000 to put in a cast? If you need surgery it can easily cost $10,000 or more? Why let something like unexpected medical expenses ruin your adventure? If you suffer a sickness or injury, the most important thing is to get the medical attention you need. Without health insurance, the high cost of medical services outside your home country could limit your access to the care you need, or leave you with a large debt to pay. As you travel and discover other countries, it is important to be protected by a comprehensive insurance policy that offers global support and assistance. Insurance needs to be an important part of your journey. Let guard.me insure your health and well-being while you focus on your trip. You can rely on our experts 24 hours a day, 7 days a week for friendly, award-winning help, advice and support. WHAT IF I LOSE MY ID CARD OR POLICY? To obtain copies of your ID Card, Policy Wording or Policy Summary, simply logon to and follow the easy instructions. WHO DO I CALL IN AN EMERGENCY OR TO GET INFORMATION? Call the emergency assistance number located on the back of your ID Card. Multi-lingual help is available 24 hours a day, 7 days a week. HOW DO I FIND A CLINIC? You may go to any clinic for medical attention, or for help finding a local doctor/clinic, call the assistance number on the back of your ID Card. HOW DO I MAKE A CLAIM? For claims, such as prescription drugs, doctor or hospital visits, and for all claims information simply logon to select Making a Claim and follow the easy instructions. HOW WILL I KNOW WHEN MY CLAIM HAS BEEN PROCESSED? Guard.me processes your claims quickly and efficiently. To track your claim, logon on to select Making a Claim and follow the easy instructions. POLICY INFORMATION: Please see over for a Summary of our guard.me Completely International Policy. For additional information, visit your school, your school website or go to to download a copy. Enrollment Inquiries: admin@guard.me Claims Inquiries: claims@guard.me MOBILE DEVICES? Go to to download our application or use the QR codes below. Underwritten by: Reliable Life Insurance Company 100 King Street West, 11th Floor, Hamilton, Ontario, Canada L8N 3K9 ISO9001:2008 Registered GGC1043/0412 COMPLETELY INTERNATIONAL

7 COMPLETELY INTERNATIONAL SERVICE BENEFITS SERVICE BENEFITS SERVICE BENEFITS Hospital X-rays, Lab Testing Physician/Surgeon ; Semi-private room; Private room where medically required Psychiatric ; benefit is payable Hospitalization to a lifetime maximum of $50,000 Psychotherapy Paramedical Services for a) psychiatrist inpatient fees following an emergency up to $10,000 in addition to hospitalization benefit above or b) up to $1,000 for outpatient psychiatrist or psychologist care up to $500 for Chiropractor, Massage Therapist, Acupuncturist, Naturopath, Chiropodist /Podiatrist no referral from physician required Prosthetics/Appliances AccessAbility Maternity Family Transportation Air Evacuation/ Return Home for crutches, canes, wheelchairs, walkers, casts etc. For disabled students, coverage for Corrective Device Defect, Malfunction and Theft Protection Serious complications to pregnancy covered When you are hospitalized for more than 7 days, up to $5,000 for air tickets, for 2 family members to join you; up to $1,500 for expenses 100% of the cost to transport you to the nearest hospital or to a hospital in your Home Country Accidental Death $50,000 (optional coverage and Dismemberment available up to $200,000) Common Carrier $100,000 Trauma Counselling Up to 6 sessions if an insured suffers a loss under the accidental death and dismemberment benefit SUPPLEMENTARY BENEFITS Trip Cancellation & Interruption Trip Delay Missed Connection Added Air Related Expenses Cancellation by Tour Operator Baggage & Personal Effects Up to $5,000 for non-refundable trip costs Up to $200 max. benefit when travel is delayed for more than 12 hours Up to $1,500 for additional travel and accommodation expenses to reach your destination Up to $200 for meals and accommodations due to airline carrier delays Up to $1,000 for non-refundable travel expenses when tour cancelled by tour operator Up to $800 for lost, stolen, damaged or delayed items Physiotherapy/ up to $1,000; Speech Therapy unlimited if provided as inpatient service Private Nursing up to $15,000 Ambulance Emergency Taxi fare to or from a hospital or Transportation medical clinic up to $100 Prescription Drugs Dental Accidental Injury Dental Emergency to a maximum 30-day supply; unlimited when hospitalized up to $4,000 for Emergency dental treatment as the result of an injury caused by an accidental blow to the mouth When 6 months of coverage is purchased, up to $600 for relief of pain and suffering Burial in Host Country Repatriation of Deceased Up to $5,000 for the cost of preparing the remains, cremation or burial and a burial plot in the location where death occurs for preparation and return to your Home Country Security Evacuation up to $100,000 in the event of: a) Natural Disaster b) Political or Military unrest c) Terrorist act WORLDWIDE COVERAGE UP TO $2,000,000 Lost or Stolen Passport/Travel Visa Lost or Stolen Travel Tickets Third Party Liability Up to $500 for the costs for replacement passport and/or travel visa and additional expenses Up to $250 to reimburse the replacement costs for tickets to allow you to continue your journey $1,000,000 Personal Injury $1,000,000 Property Damage notice from turbo: This is a summary of benefits available under the guard.me Completely International policy. Certain conditions, limitations and exclusions may apply. Full details are found in the guard.me Completely International policy. The actual policy wording governs. Prior approval required for certain benefits.