School Insurance of Florida
Insuring Florida's kids for over 40 years.
Affordable Insurance Protection!
Charlotte County Public Schools
Student Accident Insurance
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.
Parents, you may extend this coverage for your students while at home, during weekends and the 2023 summer months. 24 Hour Protection! ONLY $54 PER SCHOOL TERM
24 HOUR ACCIDENT PROTECTION INSURANCE PLAN — Effective during:
- 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 apply.
COVERAGE EFFECTIVE AND TERMINATION DATES
Coverage under the school time plan becomes effective on the first day of classes for the regular school term as designated by the County School Board. Coverage under the school time accident insurance policy purchased by the Charlotte County School Board terminates on the last day of school in May or June 2023.
FHSAA (Florida High School Athletic Association) Sports coverage is provided as sanctioned by the FHSAA and scheduled by the FHSAA. Off season practices, 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 $54 plan in order to be covered for open gyms 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, 2023.
HOW TO ENROLL:
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.
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 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