- Enrolment Services
- Finances
- Advising
- Career and Volunteer
- mySFUPlan
- New Undergraduates
- Undergraduate Admission
- Apply to SFU
- Transfer to SFU
- Programs
- Requirements
- Fees & Scholarships
- Tours & Events
- Student Experience
- Parents & Guardians
- Connect with Us
- Support and services
- Black Student Centre
Medical insurance
If you’re an undergraduate student, you’re automatically enrolled in the , and the plan fee is included in your tuition fees.
Automatic enrolment does not apply to Distance Education students, students beginning their studies in the Summer term, or certain other student categories.
The plan runs from September to August of the following year. Coverage is prorated for students who begin their studies at Â鶹ÊÓƵin the Spring term.
If you’re unsure whether you’re enrolled in the Health and Dental Plan, check your fee statement on goSFU or .
If you aren’t automatically enrolled, you may be able to enrol during the term’s Change-of-Coverage Period. To enrol, visit and go to .
See opt-out details
Opt-out and Change-of-Coverage deadlines for the Health and Dental Plan are available on .
You can opt out of the Health and Dental Plan by providing proof of equivalent extended health and dental coverage through . If you do not opt out by the deadline, you will be responsible for the plan fee.
Once you receive an email from Alumo confirming that your opt-out request has been approved, you can exclude the Health and Dental Plan fees from your tuition payment.
You must submit an opt-out request each year, even if you’ve opted out before. If you’ve already provided proof of equivalent coverage in a previous year, log in to during the Change-of-Coverage Period and indicate that you wish to opt out again.
Students enrolled in the Professional Development Program (PDP) may be eligible to opt in to or opt out of the Health and Dental Plan, depending on their courses. Changes must be made during the term’s Change-of-Coverage Period.
To opt in: Log in to and go to Manage My Plan.
To opt out: Log in to and go to Opt-Outs.
Graduate students are automatically enrolled in the , and the plan fee is included in your tuition fees.
Automatic enrolment does not apply to Distance Education students, students beginning their studies in the Summer term, or certain other student categories.
The plan runs from September to August of the following year. Coverage is prorated for students who begin their studies at Â鶹ÊÓƵin the Spring term.
See opt-out details
Opt-out and Change-of-Coverage deadlines for the Health and Dental Plan are available on .
You can opt out of the Health and Dental Plan by providing proof of equivalent extended health and dental coverage through . If you do not opt out by the deadline, you will be responsible for the plan fee.
Once you receive an email from Alumo confirming that your opt-out request has been approved, you can exclude the Health and Dental Plan fees from your tuition payment.
You must submit an opt-out request each year, even if you’ve opted out before. If you’ve already provided proof of equivalent coverage in a previous year, log in to during the Change-of-Coverage Period and indicate that you wish to opt out again.
Please refer to the website for more details.
New international students
New international students enrolled in an undergraduate, graduate, or exchange program at Â鶹ÊÓƵare automatically enrolled in a mandatory four-month primary medical insurance plan through for their first term. The cost of this plan is a separate charge and is not included in your tuition fees.
New international students, including those on exchange or studying abroad, must apply for coverage under the if they will reside in British Columbia for longer than six months.
This insurance plan also covers students at the Great Northern Way Campus and the Centre for Digital Media.
Additionally, international students who have previously attended Â鶹ÊÓƵand have been absent for three or more consecutive terms, or those who are readmitted under SFU's reactivation and readmission policy, will be enrolled in the guard.me@Â鶹ÊÓƵplan when they continue their studies at SFU.
The plan provides interim coverage while waiting for the BC MSP, if eligible. Students can opt out of the guard.me@Â鶹ÊÓƵplan if they already have BC MSP coverage or another eligible insurance plan. For more details, please see www.sfu.ca/medical-insurance.html.
You may be eligible for a refund of the unused portion of your insurance if you have not made a claim and there is more than one month of coverage remaining when you apply through guard.me@SFU. To receive a partial reimbursement, guard.me@Â鶹ÊÓƵmust receive your application before the last month of the term (April 1, August 1, or December 1). If your application is approved, the partial refund will be credited to your Â鶹ÊÓƵaccount.
For complete plan details, visit or call guard.me at 905-752-6230 (within Canada) or 1-888-756-8428 (toll-free outside of Canada).
Why am I being charged for the Health and Dental Plan?
Students are automatically enrolled in the Health and Dental Plan (HDP) because the university requires all enrolled students have medical insurance coverage.
You are required to pay the HDP fees if:
- You did not opt out during the change-of-coverage period (please refer to the website), or
- You attempted to opt out but did not receive an opt-out approval email from Alumo.
If you have equivalent health and dental coverage through another plan, you may opt out of the GSS Health and Dental Plan during the Change-of-Coverage Period through .
Your student account will be adjusted only after Alumo approves your opt-out request and sends you a confirmation email.
For details about acceptable coverage, see the Medical Insurance section for undergraduate students or graduate students, as applicable.
Do I need to opt out of the Health and Dental Plan every year?
Yes, you must opt-out every year, even if you have opted-out before.
How can I get my Health and Dental Plan charges removed?
To have HDP charges removed from your student account, you must have successfully opted out during the change-of-coverage period (please refer to the website).
- If you received an opt-out approval email from Alumo, you may ignore the HDP charges on your student account. Pay your balance minus the HDP fees. Here is how to check your balance.
- If you did not opt out during the change-of-coverage period or if your opt-out request is denied, you are responsible for paying the full HDP amount.
When will I receive my refund after successfully opting out of the Health and Dental Plan?
It may take 15–20 business days for the adjustment to appear on your student account.
Why are the Health and Dental Plan charges no longer showing on my student account?
If the Health and Dental Plan charges no longer appear on your student account, your opt-out request has been approved and the adjustment has been processed. Your outstanding balance reflects the updated amount.
Will I be charged monthly interest on my Health and Dental Plan fees if I’ve opted out?
If you’ve received an opt-out approval email from Alumo, you won’t be charged monthly interest on the Health and Dental Plan fees. You can pay your student account balance minus the Health and Dental Plan fees.
To check your balance, see How to check your balance.