Student Accident Plan
Student Accident Plan
Student Accident Plan is $49.99 for 365 days of 24/7 coverage, as long as the student continues to meet the eligibility requirements during the period of coverage. That is less than a dollar a week for this comprehensive coverage!
Why do I need insurance for my child?
Are you aware that the expenses from most accidents exceed the benefits provided by your government and group insurance plans?
Even the most minor accident can result in major financial responsibilities and some expenses may not even be insured under your government and group insurance policies. The result: you, the parent/guardian, become financially responsible.
To help identify the advantages of a Student Accident Plan, take a moment to review the following scenarios to compare a typical group insurance plan with the Student Accident Plan. These stories are real incidents where a Student Accident Plan made a large impact on each family. They could have had severe financial strain; instead, these families were protected with a Student Accident Plan.
What kind of difference could the Student Accident Plan make?
Snowboarding Fall
A 17-year-old girl was snowboarding. She fell and fractured her wrist and ankle.
|
With Student Accident Plan |
Without Student Accident Plan |
|
|
Annual Premium |
$49.99 |
$0 |
|
Ambulance |
$0 |
$275 |
|
Cast for Arm |
$0 |
$45 |
|
Cast for Leg |
$0 |
$80 |
|
Prescriptions |
$0 |
$29 |
|
Tutoring |
$0 |
$3,150 |
|
Physiotherapy |
$0 |
$945 |
|
TV Rental |
$0 |
$30 |
|
Out of Pocket: |
$49.99 |
$4,554 |
Hockey Cracked Tooth
A 6-year-old boy was playing floor hockey in gym class. The plastic puck hit him in the face, cracked a tooth and split his lip.
|
With Student Accident Plan |
Without Student Accident Plan |
|
|
Annual Premium |
$49.99 |
$0 |
|
Crown Work |
$0 |
$1,189 |
|
Lab Fees |
$0 |
$294 |
|
Fractured Jaw |
$0 |
$250 |
|
Ambulance |
$0 |
$45 |
|
Expense Reimbursement |
$0 |
$180 |
|
Out of Pocket: |
$49.99 |
$1,958 |
US Baseball Tournament
A 13-year-old boy was in the US playing in a baseball tournament. One of the other players ran into him and tore the muscles in his leg.
|
With Student Accident Plan |
Without Student Accident Plan |
|
|
Annual Premium |
$49.99 |
$0 |
|
Hospital Room |
$0 |
$1,390 |
|
Pharmacy |
$0 |
$1,167 |
|
IV Solutions |
$0 |
$116 |
|
Medical Surgical Supplies |
$0 |
$6,133 |
|
Diagnostic Radiology |
$0 |
$583 |
|
Operating Room Services |
$0 |
$3,909 |
|
Anesthesia |
$0 |
$1,144 |
|
Emergency Room |
$0 |
$1,186 |
|
Recovery Room |
$0 |
$1,198 |
|
Out of Pocket: |
$49.99 |
$16,826 |
Plan Benefits
The Student Accident Plan is an inexpensive and comprehensive way to protect families from financial hardships they may face as a result of an accident. Each year, thousands of families are left unprotected when their child is injured at school or while participating in non-school activities. The Student Accident Plan provides financial protection for expenses not normally covered under government health or group insurance plans.
Peace of mind is affordable with a Student Accident Plan.
Here are just a few of the many benefits we provide for less than a dollar a week:
Total & Permanent Disability – Up To $350,000
If your child’s injury results in Total and Permanent Disability, this benefit can provide up to $350,000 in coverage to help with consequential expenses such as the retrofitting of your home, the purchase of specially equipped transportation, etc.
Dental Accident Coverage Unlimited expenses paid for in the first 10 years of injury for individuals 18 years of age or younger (1 year for ages 19 – 25).
This benefit can provide coverage for a variety of dental injuries. For example, if your child were to crack a tooth, this benefit could cover the reasonable and necessary expenses for its repair and treatment by a Dentist. Unlimited coverage is available for up to 10 years following a dental injury due to an accident (1 year for individuals 19 – 25 years of age). If further treatment is needed after this timeframe, coverage is available up to a limit of $1,500 per tooth .
Tutoring Benefit – Up To $6,000
If, as a result of an accident, your child is confined to his or her residence for over 30 days, this benefit can cover expenses for tutorial services provided by a qualified teacher. This benefit can also pay for the rental of necessary equipment and any required program software.
Out-of-Province/Country Emergency Accident Medical – Up To $100,000
If your child sustains an injury while traveling outside of their province or territory of residence, this benefit can pay for any required Emergency Treatment, including the services of a Physician, Hospital, x-ray clinic, ground ambulance, necessary and reasonable alternative ambulance service up to $1,000, and/or a registered nurse (other than a family member). This benefit can also cover the costs for crutches, braces, splints, trusses or other prosthetic appliances, emergency medicine, blood, and/or plasma, and the rental costs for a wheelchair and/or hospital-type bed. Coverage is for any number of trips up to 30 days in duration.
Prosthetic Appliances – Up To $5,500
This benefit can cover the necessary costs for artificial limbs, eyes and/or hearing aids (up to a maximum of $5,500) for each injury that results in a loss requiring such an appliance.