Participant Accident Insurance for Day/Overnight Trips

Day and overnight camps have unique risk profiles based on the diverse backgrounds of their participants. Increasingly non-traditional, hazardous activities like high and low ropes courses, climbing walls, zip lines, backpacking, mountain biking, and cave exploring are becoming part of the usual and customary activities of camps. Participant accident coverage offers a way for camps to mitigate the risk factors from accidents or illnesses associated with camp life. Additionally, it addresses the needs of participants who may lack adequate healthcare coverage or come from international locations and have no recognized healthcare coverage in place while participating in camp sponsored activities.

How We Meet Your Needs

We provide coverage for injuries occurring during covered activities with benefits that include:
  • Accident medical expense benefits delivered on either a primary or excess basis
  • Catastrophic cash benefits for paralysis or coma
  • AD&D benefits
  • Weekly accident indemnity benefits
Base accident medical expense benefits can be complemented by optional international travel coverage. Unique, youth-targeted social media campaigns that focus on educating youth on how to avoid injury. Large risk appetite and demonstrated ability to provide coverage for emerging and unique risks.

Key Benefits

  • Excess Accident Medical Expense benefit
  • Accidental Death benefit
  • Accidental Dismemberment benefit
  • Coma benefit
  • Paralysis benefit

Optional Benefits

  • Catastrophic Cash benefit (Coma and paralysis)
  • Heart and Circulatory benefit
  • Emergency Sickness benefit
  • Medical Evacuation benefit (100 mile radius from residence)
  • Home alteration benefit
  • Psychological Counseling benefit