School Insurance of Florida

Insuring Florida's kids for over 35 years.

Wednesday 19th of June 2024 11:36 PM

Affordable Insurance Protection!

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Lee County School District

Student Accident Insurance

2023-2024 SCHOOL YEAR

Dear Parents:

Your child’s school is very committed to providing a safe environment for all students. Accidental injuries are generally NOT the fault of the school, nor are such accidents the responsibility of the school or district to pay for the cost of medical bills for your students. However, as a public service your school has purchased a supplemental KidGuard student accident insurance policy to provide basic accident coverage for students while attending school.

Click Here to Download a Summary of Insurance

Parents, you may extend this coverage for your students while at home, during weekends and the 2024 summer months. 24 Hour Protection! ONLY $55 PER SCHOOL TERM


  • While At Home and on Weekends
  • Summer Vacation Periods and holidays, 24 Hours a day, 7 days a week
  • Anywhere in the USA
  • Additional provisions, terms and exclusions


Coverage under the school time plan becomes effective on the first day of classes for the regular school term as designated by the Lee County School Board. Coverage under the school time accident insurance policy purchased by the Lee County School Board terminates on the last day of school in May 2024.

FHSAA (Florida High School Athletic Association) Sports coverage is provided as sanctioned by the FHSAA and scheduled by the FHSAA, including off-season “conditioning” as defined by the FHSAA during the summer months. Summer camps, club sports or outside leagues are not covered.  When a teams season is officially over, the coverage terminates for that team.  Offseason weights and cardio may continue during the regular school term.  If a student is participating in voluntary open gyms they should purchase the voluntary extended $55 plan in order to be covered for open gym activities.

If the 24 Hour Extended Coverage Option is purchased, 24 Hour protection becomes effective at 11:59 P.M. EST on the date the enrollment application and payment is received in School Insurance of Florida’s office. The 24 Hour Extended Coverage terminates on the last day of summer in August, 2024.


Enroll online and receive immediate I.D. confirmation by using a valid email Or, you may enroll by mail.

If sending payment by mail, click on the following link to download and print an application and follow the instructions on the application.

24 Hour Extended  Accident Protection Summary of Insurance and Application 

Insurance cards will not be sent to you unless you request an I.D. card by enclosing another self-addressed, stamped envelope for us to mail the I.D. card back to you. Keep the top portion of this form for your records. No premium refunds after the first day of coverage. 

IMPORTANT NOTE: This student accident policy is NOT ‘Primary Insurance’ and is not intended to replace family health insurance. The policy has limitations and exclusions and is designed to provide secondary or excess coverage. This policy will NOT pay any expenses that could be covered by other family insurance or an HMO or PPO. The accident insurance policy does not guarantee 100% reimbursement for all medical expenses incurred. The Lee County School Board does not assume responsibility for payment of medical expenses that are not covered by the student accident policy or for benefits that could be received from other sources of coverage or insurance. You must file with any other insurance first, before filing for benefits under the school policy.

For more information, please click on 'IMPORTANT LINKS' above