Rocky Mountain School District regularly receives inquiries from parents and caregivers who are facing unexpected medical costs due to student injuries that happen on school grounds or during school-based extracurricular activities. It is often a surprise to them when they learn that the school district does not cover such expenses for student injuries; parents and caregivers are responsible for any costs not covered by the provincial Medical Services Plan (MSP) or their employer’s healthcare plan should a student get injured.
Parents and caregivers who wish to purchase accident insurance for their child are advised to choose an insurance provider. Several companies offer accident insurance and parents must decide which plan suits the family’s individual needs. Student accident insurance plans cost as little as $17 per year, depending on desired coverage, and parents are encouraged to consider purchasing student accident insurance for injury-related costs that include:
- Dental Treatment
- Eyewear
- Rental of crutches or wheelchairs
- Splints and casts
- Physiotherapy
- Ambulance transportation
- Private tutoring and counselling
For convenience, Rocky Mountain School District has made available information on two student accident programs that provide families the opportunity to voluntarily purchase private accident insurance:
- Insure My Kids (https://insuremykids.com/)
- Study Insured Student Accident (https://www.studyinsuredstudentaccident.com/)
Coverage for both companies is available for purchase online, and both companies provide access to applications, claims forms and full plan information is available on their websites.