Health insurance is required for all residents of British Columbia, including students. For this reason all Royal Roads University students are required to have basic medical insurance while studying in Canada. Please view the Student Healthcare Policy for more information.
There are two types of medical insurance coverage: basic health insurance and extended health insurance. Basic health insurance is insurance that is equivalent to the government-provided Medical Services Plan (MSP). It covers most doctor and hospital services.
Extended health insurance builds upon basic health insurance to cover a wider range of medical services, such as dental and vision care. Because extended health insurance is in addition to basic medical insurance, you must always have basic health insurance in order to use extended health insurance.
Basic Health Insurance
The waiting period to receive British Columbia (BC) medical insurance (MSP) coverage is approximately three months. During the waiting period, you must have basic coverage from an alternate health insurance provider. RRU works with Guard Me International Insurance to provide mandatory basic health insurance for international students during the waiting period for MSP. New international students are required to purchase this insurance directly from Guard.Me at https://guard.me/rru.
BC Medical Services Plan
If you stay in the province of BC for more than six months of the year, you are required to have the BC Medical Services Plan (MSP). To do so, you must present a valid study permit. You must apply within the first 10 days of your arrival in BC. Instructions, application forms, and information about premiums are available on the BC MSP website. When you are an MSP member, your hospital and doctors visits, as well as most diagnotsic tests are paid for. Dentist visits and vision care are generally not covered under MSP.
If you will stay in BC for fewer than six months, you are not required to have MSP. However, you must still obtain basic health insurance for the duration of your stay. It is recommended that you set this up prior to your arrival in BC. You can purchase your insurance directly from Guard.Me at https://guard.me/rru.
For more info on MSP coverage, enrolment and eligibility visit the BC government health website.
Extended Health Insurance
The Royal Roads Undergraduate Student Association (RRUSA) provides extended health and dental insurance for undergraduate students who are registered in on-campus full-time courses. You will be automatically enrolled when you begin your studies. The extended health care plan offers dental, vision, and prescription coverage, as well as travel benefits. The cost is collected as part of your ancillary fees.
Visit their website for more info on coverage and opt-out information.
For students who are not eligible for RRUSA extended health benefits, extended health insurance can be individually purchased through a range of providers. Please contact us for more information.
Please note the coverage offered by these extended plans does not replace basic health insurance coverage.
Walk-in clinics have convenient hours and are located all around Victoria. Information for the one closest to Royal Roads can be found here.
Alternative medicine includes medical practices such as Traditional Chinese medicine (TCM), Ayurveda, naturopathy and homeopathy. These services are not covered by MSP but may be covered by extended health plans.
Studying can be very stressful. It’s important to keep a balance in your life. A trip to the gym, taking a yoga class, or even going for a walk on some of the beautiful nature paths on campus, such as Charlie’s Trail, will help you relax. The on-campus Recreation Centre is free to current RRU students and provides access to weight and cardiovascular machines and classes.
The BC Travel and Tourism website gives an overview of some of outdoor activities available locally.
Should you require assistance in any of the areas listed, or if you have an issue you wish to discuss, please contact Student Engagement for an appointment to speak with an advisor.