Canadore Domestic Student Health Plan: What You Need to Know

All full-time students are automatically enrolled in the Balanced Plan. If you prefer, you can choose one of the other plans listed below:

Enhanced Drug Plan
Enhanced Extended Health Plan
Enhanced Dental Plan

Each option is priced the same, so there is no additional cost to switch your plan.

View/Download the 2025-26 Guard.Me Canadore Domestic Student Policy Overview Brochure

Important Deadlines - Opt-Out and Plan Selection Periods

September Start Students: September 18-30, 2025

January Start Students: January 27 - February 6, 2026

(Specific dates will be communicated when available)

During these periods, you can:

- Choose an alternate plan
- Add dependents
- Opt-out if you have equivalent coverage.

Who is covered?

All full-time students who have paid the extended health plan fee are automatically enrolled in the guard.me Extended Health Plan@Canadore.
Coverage starts on September 1 or January 1, depending on your semester start date.
If you withdraw from all classes, your coverage ends immediately upon your withdrawal date.

Are you an International Student?
If you are an international student attending Canadore College, please refer to www.guard.me/canadoreinternational for details on how to access your policy information and access your account. You can also reach out to Canadore's International Department directly.

Domestic Health Plan Updates for 2025-26

Starting Fall 2025, the Domestic Student Health Plan will offer enhanced coverage, including improved prescription, paramedical, vision, and dental benefits—thanks to the recent student referendum.

Cost: $261.50 per student/year
Opt-Out/Switch Plans: Students with existing coverage can opt out or switch plans during the designated window. Details will be shared before the Fall semester.

Coverage Details:

Coverage Type	Balanced Plan (Auto-Enrolled)	Enhanced Drug Plan	Enhanced Extended Health Plan	Enhanced Dental Plan
Prescriptions	80% coverage, 20% co-pay, Maximum: $2,000, $10.50 dispensing fee	90% coverage, 10% co-pay, Maximum: $2,500, $10.50 dispensing fee	65% coverage, 35% co-pay, Maximum: $1,000, $10.50 dispensing fee	65% coverage, 35% co-pay, Maximum: $1,000, $10.50 dispensing fee
Paramedical	80% coverage, 20% co-pay, $20 per treatment, Maximum: $300	80% coverage, 20% co-pay, $15 per treatment, Maximum: $200	100% coverage, 0% co-pay, Unlimited per treatment, Maximum: $400	80% coverage, 20% co-pay, $15 per treatment, Maximum: $200
Vision	80% coverage, 20% co-pay, Eye exam: up to $120, Glasses or contacts: up to $150	100% coverage, 0% co-pay, Eye exam: up to $120, Glasses or contacts: up to $150	100% coverage, 0% co-pay, Eye exam: up to $120, Glasses or contacts: up to $220	100% coverage, 0% co-pay, Eye exam: up to $75, Glasses or contacts: No coverage
Dental	Reasonable and customary charges, Maximum: $500	Reasonable and customary charges, Maximum: $400	Reasonable and customary charges, Maximum: $350	Reasonable and customary charges, Maximum: $750
	View Balanced Plan Summary	View Enhanced Drug Plan Summary	View Enhanced Extended Health Plan Summary	View Enhanced Dental Plan Summary