Jane Dotson
High school students have a variety of insurance options available to them, depending on their needs. For example, international students participating in high school exchange programs will require insurance that covers them for the entire duration of their stay, which is usually around 10 to 11 months. This insurance should also include sports coverage and travel insurance for short trips home during holidays. Additionally, high school students who drive may be added to their parents' car insurance policy, although male drivers typically face higher insurance rates due to their increased risk of accidents. To save money, students can compare quotes from different companies and take advantage of discounts, such as good student discounts.
| Characteristics | Values |
|---|---|
| What is it? | Insurance for high school students, their parents, and schools from costs resulting from physical injury. |
| Who is it for? | Students participating in sports and certain extracurricular activities. |
| Who offers it? | K&K Insurance, Berry Insurance, International Student Insurance, and Pinellas County Schools. |
| Where is it offered? | Pinellas County Schools in Florida. K&K Insurance is not available in AR, MD, NH, NY, and WA. |
| What does it cover? | Out-of-pocket expenses, deductibles, copays, and other costs associated with accidents. |
| What is not covered? | Injuries resulting from student fights, riots, self-harm, intoxication, asphyxiation, illegal activity, or acts of war. |
| How much does it cost? | N/A |
| How to apply? | Online application processes are available for some providers. |
| What to consider when shopping for insurance? | Compare 4-5 companies, coverage limits, provider network, and whether sports and trips are covered. |
What You'll Learn
Student accident insurance
Catastrophic accident medical policies offer two distinct benefits. The first is an accident medical benefit with limits as high as $6,000,000 per injury. The second is a catastrophic cash benefit that can provide up to $1,000,000 in lump-sum and annual payments for 10 years post-injury. This cash benefit is applicable when the injury results in brain death, coma, or paralysis, and can be used for vehicle and home modifications, ongoing medical care, loss of income, and other expenses.
It is important to note that student accident insurance does not cover all types of injuries. For example, injuries resulting from student fights, riots, self-harm, intoxication, asphyxiation, illegal activity, or acts of war are typically excluded from coverage. Additionally, student accident insurance may not be available in certain states, and the specific terms and conditions of the policy should be carefully reviewed.
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Auto insurance
High school students can benefit from various discounts offered by insurance companies. For example, some companies provide "good student" discounts, rewarding students with good grades (usually a 3.0 GPA or higher) with lower premiums. The reasoning behind this is that students who are busy studying and getting good grades are less likely to be out partying and are, therefore, less likely to be involved in accidents. Additionally, students can also take a defensive driving course to learn safe driving techniques and receive a defensive driver discount.
When shopping for auto insurance, it is important to compare quotes from multiple companies to get the best deal. It is recommended to compare at least 4 to 5 companies, looking at their rates, coverages, limits, and deductibles. You can visit the California Department of Insurance website to compare complaint and premium information, which will help you make an informed decision. It is also crucial to maintain a clean driving record, as tickets and accidents can result in higher premiums.
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Comparison shopping for insurance
Firstly, it is a good idea to compare at least four or five companies. You can do this by visiting each company's website and requesting a quote, or by using an independent insurance agent who can pull quotes for you. Alternatively, there are online comparison sites that will match you with one or more insurance companies after you enter some basic information. These sites can save time, but they may not give you as many options as you would like, and your personal information may be shared with other insurers and brokers, leading to unwanted phone calls and emails.
When comparing companies, try to get the agents or companies to quote similar coverages, limits, and deductibles so that you can compare like for like. You can also check the California Department of Insurance website to compare the complaint information of the companies you are considering. This will help you make an informed decision.
It is also worth bearing in mind that insurance companies use your previous driving history as a predictor of future driving behaviour, so if you have a clean driving record, you are more likely to get a good deal.
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Sports insurance
For high schools, sports insurance is particularly important due to the inherent risk of injuries, especially concussions, in contact sports and other student activities. High school associations, athletic organizations, and school districts have unique insurance requirements that reflect the specific needs of their athletic programs.
Some insurance providers, such as K&K Insurance, offer specialized sports insurance programs for high schools. These programs can include liability insurance for amateur sports teams, leagues, and associations, as well as short-term or annual coverage for amateur sports tournaments and events. K&K Insurance also provides accident insurance for students, which can help cover the costs of medical care and protect schools from potential lawsuits arising from student accidents.
Overall, sports insurance plays a crucial role in protecting high schools, their students, and staff from the financial burden of sports-related injuries and accidents. By having adequate sports insurance in place, high schools can provide peace of mind and ensure the well-being of their athletic community.
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International student insurance
International students travelling abroad for their studies should consider purchasing international student insurance to cover their health, travel, and other requirements. The cost of medical expenses in the United States, for example, is extremely high without health insurance, and there is no universal healthcare system in place.
There are several companies that offer international student insurance plans, such as International Student Insurance (ISI), ISO International Student Health Insurance, and International Student.com. These companies provide comprehensive and affordable insurance plans that cater to the specific needs of international students, including health, travel, and evacuation and repatriation insurance. The plans are designed to meet visa requirements and provide coverage for mental health, sports, and maternity, as well as worldwide coverage and access to a large number of doctors.
It is important for international students to carefully review the requirements of their visa, college, or university, as they may be mandated to have a certain type of international student health insurance policy. Additionally, comparing multiple insurance companies and their plans can help ensure that students find the best coverage at a competitive price.
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Frequently asked questions
Student accident insurance covers students, their parents, and schools from costs resulting from physical injury. It is purchased by schools to cover injury-related medical expenses for students and their parents and to prevent lawsuits from parents regarding student accidents.
Student accident insurance covers injury-related medical expenses. It also includes an optional "catastrophic event coverage" that provides excess payment in a disastrous event that exceeds the normal student accident insurance limits.
Catastrophic event coverage includes an accident medical benefit with limits as high as $6,000,000 per injury. It also includes a catastrophic cash benefit that can provide up to $1,000,000 in cash payments, typically paid in a lump sum, and then in annual payments for 10 years post-injury.
Student accident insurance does not cover injuries resulting from student fights, riots, self-harm, intoxication, asphyxiation, illegal activity, or acts of war.
High school insurance refers to insurance coverage for high school students, including international students and exchange students. It typically includes coverage for sports and other school activities, as well as trips back home during the school holidays.
