Accidents are an unfortunate reality of life, and for parents and guardians of active children, they can bring unexpected financial burdens. Whether an injury occurs at school, during extracurricular activities, or at home, the costs involved—such as ambulance fees, physiotherapy, or emergency dental care—are often not fully covered by Provincial health care plans like OHIP or by employer health insurance. This is why student accident insurance can be a valuable safety net for families.

What Is Student Accident Insurance?

Student accident insurance is a coverage plan designed to help families manage expenses related to accidental injuries. These can include costs not typically covered by public health care or private insurance, such as casts, crutches, or certain therapies. For children participating in school sports, field trips, or other activities, this type of insurance provides additional peace of mind.

Insurance Options Available

As a convenience to families, student accident insurance programs are offered through two providers:

• Insuremykids®: Provided by Old Republic Insurance Company of Canada. For more details or to purchase, visit www.insuremykids.com or call 1-800-463-5437.
• StudyInsured™: Underwritten by Certain Lloyds’s Underwriters through AON Insurance. For more details or to purchase, visit www.studyinsuredstudentaccident.com or call 1-833-560-0527.

Both programs offer a variety of plan options, including affordable family rates. Coverage is available for students up to age 26, and applications are completed online, as paper forms are no longer in use.

Why Consider Student Accident Insurance?

Many families may not realize that some accident-related expenses can amount to thousands of dollars. Field trips, co-curricular activities, or even routine play can lead to injuries that require costly medical attention not fully covered by public health care. Student accident insurance bridges this gap, ensuring families are not burdened with unmanageable expenses in the event of an accident.

Taking the Next Step

If you are considering student accident insurance, take the time to review the plans offered by Insuremykids® and StudyInsured™. Each program is designed to meet specific needs, providing families with flexible and affordable coverage options. Remember, participation is voluntary, and the agreement is directly between you and the insurance underwriter.

By planning ahead, you can protect your child’s well-being and your family’s finances, giving yourself peace of mind in the face of life’s uncertainties.