GuardMe Europe
Last updated: October 27, 2026
GuardMe Europe is a major B2B student insurance provider. Worldwide markets. Three policies on Edvisor (Multi-Risk Premium, Multi-Risk Premium + Cancellation, Travel Plus Cancellation). Edvisor is exclusive provider of GuardMe for non-European companies. Consolidated reference also covering per-policy coverage details, claims process and contacts, policy restrictions, and digital services (Digital Doctor telemedicine).
GuardMe International Insurance is a major student insurance provider with 25+ years of experience. Specializes in international education insurance, working B2B with agents and institutions globally.
Available on Edvisor
Recruitment markets: Worldwide.
Destination markets: Worldwide.
Three policies: Multi-Risk Premium, Multi-Risk Premium + Cancellation, Travel Plus Cancellation.
Exclusivity: Edvisor is the exclusive provider of GuardMe products for non-European companies.
Differentiators
Up to €10,000,000 medical coverage.
Up to €2,000,000 third-party liability.
No excess on claims.
Direct billing for inpatient and pre-arranged outpatient.
Pre-existing conditions covered (wide range).
Multilingual support and 24/7 assistance.
21-day leisure trip coverage to neighboring countries during the study period.
Coverage for stays from 1 week up to 1 year.
Plans and coverage
Multi-Risk Premium
GuardMe's medical-focused policy for international students.
Best for: Extensive medical coverage with access to private facilities. Suits cases where home insurance or European Health Insurance Card (EHIC) isn't enough.
Coverage:
Benefit | Amount |
|---|---|
Emergency medical and repatriation | Up to €10,000,000 |
Personal accident | Up to €25,000 |
Delayed and missed departures | €80 / €7,500 |
Baggage delay/loss, personal money, travel documents | Up to €2,000 |
Personal liability | Up to €2,000,000 |
Key features:
Direct billing for inpatient.
Pre-arranged direct billing for outpatient.
No excess on claims.
Wide pre-existing conditions covered.
Worldwide policy (any origin, any destination).
21-day leisure trip coverage to neighboring countries during the study period.
Cancellation policy:
Pre-policy: cancellations and refunds allowed before policy start date.
Active policy: not cancellable, not refundable.
Multi-Risk Premium + Cancellation
GuardMe's premium policy combining medical, travel, and trip cancellation coverage.
Best for: Students wanting full coverage including trip cancellation protection.
Coverage:
Benefit | Amount |
|---|---|
Emergency medical and repatriation | Up to €10,000,000 |
Cancellation and curtailment | Up to €7,500 |
Personal accident | Up to €25,000 |
Delayed and missed departures | €80 / €7,500 |
Baggage delay/loss, personal money, travel documents | Up to €2,000 |
Personal liability | Up to €2,000,000 |
Key features:
Includes everything in Multi-Risk Premium plus:
Trip cancellation up to €7,500.
Curtailment coverage.
Cancellation policy:
Once issued, this policy cannot be cancelled or refunded.
Travel Plus Cancellation
GuardMe's travel and cancellation-only policy. No medical coverage.
Best for: Trips where medical insurance is provided separately (e.g. school-included medical insurance, common in US and Canada).
Coverage:
Benefit | Amount |
|---|---|
Personal accident | Up to €25,000 |
Delayed and missed departures | €80 / €7,500 |
Baggage delay/loss, personal money, travel documents | Up to €2,000 |
Personal liability | Up to €2,000,000 |
Important:
No medical coverage. Only use this policy when medical is covered through another source.
Cancellation policy:
Once issued, this policy cannot be cancelled or refunded.
Claims process and contacts
Process for submitting GuardMe claims and contact information.
Before claiming
Always have the Certificate Policy Number ready.
Emergency situations
Call the emergency assistance service before any hospital visit. They check pre-existing conditions and authorize direct billing.
Emergency assistance: +34 910 601 499
Reimbursement claims
Submit through:
+34 910 601 499
Claims can be opened by the student or the agent.
Important deadlines
Submit claims within 30 days of first medical expense.
Contact directory
Need | Contact |
|---|---|
Policy questions | guardmeclaims@euro-center.com / +34 919 491 586 |
Emergency medical (24/7) | guardme@claimsorted.com / +34 910 601 499 |
Reimbursement |
What documents to include
Original receipts/invoices from doctors or hospitals.
Prescription receipts must include: patient name, doctor name, medication name, DIN (Drug Identification Number).
Doctor's signature on Claim Form only required if the doctor is billing GuardMe directly. Otherwise, student can sign.
Policy restrictions and digital services
Key rules and digital services for all GuardMe Europe policies.
Policy restrictions
Rule | Detail |
|---|---|
Maximum age | 74 years inclusive |
Maximum trip duration | 12 months continuous (extension possible if requested) |
Trip purpose | Study, cultural, internship trips only |
Delayed activation | Permitted with 14-day waiting period |
Earliest issuance | 9 months before departure date |
Digital Hub: Digital Doctor Telemedicine
Underwritten by White Horse Insurance Ireland DAC.
24/7 medical support via phone and video.
Multilingual.
Free as part of GuardMe policy.
Fully EU GDPR compliant.
Coordinated with GuardMe's 24/7 assistance hubs for immediate intervention if needed.
How to access
If not yet connected with GuardMe, contact the Edvisor account manager.