Student Accident Insurance
- This insurance is secondary coverage; other insurance plans must be used first.
- The school division does not decide coverage or approve or reimburse claims.
- Questions about coverage, benefits, or claim status should be directed to the insurance provider, not the school.
Student Accident Insurance
In our commitment to safety and student wellness and well-being, Student Accident Insurance is purchased by Foothills School Division for all students. Student Accident Insurance is intended to supplement provincial healthcare and any private/personal insurance coverage in the event of an accidental injury at school or during school‑approved activities. Learn more about Student Accident Insurance below:
What is covered
Student Accident Insurance provides limited coverage for medical expenses caused by an accident that happens:
- during the regular school day,
- during school‑organized or school‑approved activities, or
- while participating in approved school sports.
Eligible expenses may include things like dental treatment due to an accident, ambulance services, damaged or broken eyewear, fractures or dislocations, surgery, hospital care, and some physician‑referred paramedical services. Coverage may also apply to travel related to medical treatment and serious injuries such as permanent loss of use.
This plan only covers accidental injuries. It does not cover illness, pre‑existing conditions, or routine health care.
Who submits the claim
Parents or guardians (or the student, if they are not a minor) are responsible for:
- starting and submitting the insurance claim,
- completing all required claim forms,
- arranging for a physician or dentist to complete medical or dental statements, and
- paying any fees charged by health care providers to complete insurance forms.
Claims must be submitted within 90 days of the accident (and no later than one year). The student must be seen by a physician or dentist within 30 days of the accident. If the family has other insurance (such as employer health or dental coverage), those plans must be used first, and an Explanation of Benefits (EOB) must be included with the claim.
Role of the School Division
Schools and the school division do not submit insurance claims on behalf of families. However, they do provide their portion of the required documentation.
When an accident occurs at school or during a school‑approved activity, the school will complete a School Accident Report. A copy can be provided to parents or guardians upon request.
This report must be included with the insurance claim. Claims cannot be processed without it.
What must be submitted
A complete claim usually includes:
- the Claimant’s Statement (completed by the parent or guardian),
- the School Accident Report,
- required medical or dental statements,
- copies of receipts or invoices, and
- Explanation of Benefits from other insurance plans, if applicable.
All forms and documents must be submitted together directly to the insurance provider, Industrial Alliance.
Student Accident Insurance is through IA Financial Group. Click here for the claim form via IA Financial Group.
For questions regarding a claim, please contact IA Financial Group directly: specialmarkets-claims@ia.ca
