GuardMe Europe

Last updated: October 9, 2026

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:

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:

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:

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:

Claims can be opened by the student or the agent.

Important deadlines

  • Submit claims within 30 days of first medical expense.

Contact directory

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

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.