Frequently Asked Questions


Here are a few common questions we receive from administrators:

What if some parents already have their own major medical?

Student Accident Coverage will be used to cover deductibles, co-pays, and other out-of-pocket expenses due to accidents. Also, if a parent loses their job due to a layoff or any other reason, the child will still have coverage available.

Parents signed a waiver on the first day of school. Doesn't that prevent the school from liability?

Waivers are considered void once the date the waiver was signed has passed. Circumstances are constantly changing and future events cannot be predicted. Therefore, parents or a school cannot waive the costs associated with student injuries.

How does our school pay for Student Accident coverage?

The school collects the premium from each child’s parent. It is part of tuition and is a zero-cost budget item for the school.

Are parents willing to pay additional money for insurance after they already paid their tuition?

Yes! Parents are very receptive when they are made aware of the valuable benefit provided for them and their children at such a minimal cost. Student Accident is happy to provide you with a letter to parents detailing the decision their school has made as well as explaining the benefits and costs of coverage.

What are the plan deductibles?

There are no deductibles on the Student Accident plan. Deductibles defeat the purpose of an accident plan when it is used as primary coverage or secondary to pay for any deductibles / co-pays from a parent’s major medical plan.

For other questions not listed, please contact 866-416-0656 option 4 or email