Why students need accident coverage
Government health insurance covers the basics, but it does not cover physiotherapy, dental repairs from a sports injury, private hospital rooms, tutoring costs during recovery, or the full cost of emergency care abroad at a tournament or school trip.
A single snowboarding injury can generate over $4,500 in out-of-pocket costs. A sports dental injury averages close to $2,000. For families without extended health benefits through an employer, those costs come directly out of pocket.
What is covered
Emergency and hospital care
Hospital room, operating room, emergency services, surgical supplies, anesthesia, and medical diagnostic services.
Rehabilitation
Physiotherapy, cast and orthopedic appliances, and prescription medications needed during recovery.
Dental treatment
Crowns and fractured jaw treatment resulting from an accident.
Ambulance transport
Ground and air ambulance services required due to a covered accident.
Tutoring costs
Reimbursement for tutoring expenses incurred while the student recovers and misses school.
Who it is for
Elementary and high school students across Canada (excluding Quebec)
Active kids in sports, school trips, or extracurricular activities
Families without employer group benefits covering dependants
Parents who want predictable costs if an accident happens
Simple, low-cost coverage
The annual premium is $49.99 per student. Coverage is underwritten by Old Republic Insurance Company of Canada. No medical exam or health questions required.
Service area
Jatinder Singh and his team serve clients across Ontario and Alberta. Appointments are available in person at 195 Queen St E, Brampton, or by phone.