School Insurance of Florida

Insuring Florida's kids for over 40 years.

Sunday 26th of September 2021 05:43 AM

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Pasco County Public Schools

Athletic Accident Insurance

The School Board of Pasco County strives to provide a safe learning environment for all students. Sports accidents that happen during practice or play are not usually the fault of the school.  Schools are not required by law to purchase coverage for accidental injuries. As a service, the School District purchases a basic sports accident insurance policy to assist families with some of the medical expenses that may result from a school sports related injury. This coverage will not pay for 100% of all charges incurred as a result of an accidental injury. It is the Parent responsibility to pay for any expenses not covered by the school insurance plan or any other insurance plan.

For a listing of the policy benefits,terms,provisions and exclusions, please click the following link:

Interscholastic Sports Summary of Insurance 

Interscholastic Sports Summary of Insurance - Spanish 


If your student has suffered a sports related accident please follow these steps:

1) Report the accident immediately to the coach.

2) File your claim with your primary insurance first and stay within your primary insurance network.

3) Please download and complete the Sports Claim Form within 90 Days of an accident.

Click Here to Download a Sports Claim Form 

Click Here to Download a Sports Claim Form- Spanish 

4) Please refer to our list of preferred providers when seeking treatment for sports related injuries if you have no other insurance.  If you have other insurance you must use it first to be eligible for this coverage.

Click Here to Download a Preferred Providers Listing  - (If you have primary insurance stay in your primary network)

PLEASE REMEMBER: If a student has any primary insurance (HMO, PPO, private insurance, group coverage through parents employment, Blue Cross, Tri-care, Champva, etc...) they should stay in that primary insurance network even if they have a deductible. They must file a claim with any primary insurance coverage first in order to be eligible for the student accident insurance even if they have a deductible. If they do not stay within their primary network, School Insurance of Florida may reduce benefits payable as if they did stay inside the primary network. 

If there is no primary insurance coverage, students may seek medical treatment from any licensed hospital or licensed physician and be eligible to receive the stated school policy benefits that are outlined in the enrollment application or summary of insurance. School Insurance of Florida has set up a Preferred Provider Network. These providers of service have agreed, in most cases, not all cases, to accept the stated policy benefits as outlined on the summary of insurance. It is the parent or student's responsibility to ask the Doctor or provider of service if they are participating in the network and what out of pocket expense they may be held accountable for paying. Please refer to the top part of Summary of Insurance for a summary listing of policy benefits, limitations and exclusions. The Insurance Company cannot regulate how much doctors or other providers of service charge. Doctors and Hospitals are allowed to establish and charge their own fee levels. Doctors and Hospitals may charge more than what the School Insurance of Florida accident insurance policy pays. The insurance benefits will be paid based upon the stated policy provisions. Please retain a Summary of Insurance for your records.  If you have any questions please contact School Insurance of Florida. 1-800-432-6915.  Please do not contact the school.  Schools do not keep claim records or process claims.  Contact the insurance agency, School Insurance of Florida.


♦ Who is eligible for Pasco County School District Athletic school insurance policy benefits?

The policy insures Senior High and Middle School student athletes and cheerleaders while they are participating in school supervised interscholastic sports practice sessions and games during the regular school term, as sanctioned by the Florida High School Athletic Association. Injuries sustained during competition or practices in summer sport leagues, summer contact football practices/drills or private camps or private schools are not covered by the Pasco sports policy. Regular school classes and classroom activities are not covered under this policy. However, additional insurance can be purchased by parents to cover other school activities. Click on the "Excess Student Accident Insurance Overview" link to view these optional insurance plans; Or, click here to purchase On-line now.

♦ Does this mean that the school will pay for all medical expenses due to a school related sports injury?

NO! The insurance policy was purchased by the school as a public service to help families of injured students pay for some of the medical bills related to school injuries resulting from an approved interscholastic sport. Florida schools are not required by law to purchase medical insurance for students. Accidents that happen at school are generally not the fault of the school. The insurance plan purchased by the school pays limited benefits based on the policy schedule. Doctors and hospitals are free to set and charge their own fees. Medical service charges may be more than the insurance benefits available from the school policy. The school cannot accept responsibility for paying medical bills for students. 

♦ What does the Athletic school insurance plan cover?

A detailed description of the school policy benefits, limitations, and exclusions can be downloaded from this website above to view details concerning specific sports policy benefits, terms and limitations. 

♦ Can I receive an insurance identification card for my child?

Individual Insurance Identification Cards are not available for Interscholastic Sports. If you choose to purchase the School Time or 24 Hour insurance by mail, you would need to send a self-address, stamped envelope, so we may send the insurance card. If you purchase the insurance online, you may download and print your insurance card from your online account.            

♦ Can I enroll my child in Extended Coverage plans to cover other school accidents and accidents at home, on the weekends, vacations and the summer months when school is not in session?

Yes! Obtain an enrollment brochure from the school or download the enrollment brochure from this website and mail the enrollment brochure to School Insurance of Florida, along with your premium payment for the Extended Coverage Option of your choice. Click under Important Links above the "Excess Student Accident Insurance Overview" link for more information; or, you may enroll online. Click Here to Purchase Now.  The optional coverage is available for parents or students to purchase. There are different policy terms, benefits and provisions that apply.

♦ Are accidental injuries occurring during school football practice and games covered?

Football injuries that occur while a student is practicing for or competing in Pasco County Public School sports that are scheduled, fully funded, sponsored and supervised by the Pasco County School Board are eligible for policy benefits. Injuries sustained during competition or practices in summer sport leagues, summer contact football practices/drills or private camps or private schools are not covered by the Pasco sports policy.

♦ If a student is injured during a school sports practice or game, will the school insurance plan cover all medical expenses, including visits to the doctor and hospital?

The school insurance policy will not pay for 100% of all medical expenses due to the limits of the policy as described in the benefit insurance summary. The insurance company does not have control over the amounts charged by doctors, hospitals and other medical service providers. The payment of benefits that you will receive from the school insurance policy will be based on the policy limits that are stated in the school insurance policy. Specific benefits, policy limits, terms and provisions are explained in the school insurance brochure. For a more complete description of coverage, please click on “Athletic Accident Insurance”.

♦ If my son or daughter is injured in a Pasco County school sport, do I have to take them to a specific hospital or doctor to receive benefits under the school insurance policy?

Pasco County Schools Board has developed a “Participating Interscholastic Sports Provider Network”. Participating doctors, clinics and other medical providers have agreed to accept the school insurance policy benefits as full settlement for their fees for some services, not all, services. However, if you choose to use a doctor, clinic or hospital outside the “Participating Provider Network” of area hospitals and doctors, you could be billed for expenses not covered by the Pasco School’s insurance policy. Please be sure to ask your doctor, clinic or hospital if they are Pasco County School District Participating Providers and what, if any, charges you will be responsible for paying.

♦ How do I file a claim?

Please follow the instructions on “How to file a Claim” above. Please be sure to forward the completed claim form to School Insurance of Florida no later than 90 days after the date of accident to be eligible for policy benefits. If the student had an injury not related to interscholastic sports and you purchased the optional coverage, please complete Part A of the claim form and mail to School Insurance of Florida. 

♦ Who do we contact for answers regarding claims or coverage?

DO NOT CALL THE SCHOOL OFFICE ABOUT THE STATUS OF A CLAIM PAYMENT OR TO ASK QUESTIONS ABOUT COVERAGE! The school does not process claims or keep records regarding claims. All claims are processed by School Insurance of Florida's claim office. Therefore, contact SCHOOL INSURANCE OF FLORIDA to obtain prompt answers to claim or coverage questions. School Insurance of Florida P. O. Box 784268, Winter Garden, Florida 34778-4268. Phone:  1-800-432-6915 Fax: 407-798-0296. Email:

The questions and answers stated above are intended to provide a general, brief explanation of the school student accident insurance policy. The policy summary in this website contains a more detailed summary of provisions and terms. The Marion County School District will receive a master policy that contains all terms and provisions from which all claims benefits will be determined. The insurance policy contains specific definitions and terms that may not be included in this website and are not fully explained by the school. For answers to more specific questions, please contact School Insurance of Florida, P.O. Box 784268, Winter Garden, Florida 34778-4268. Phone 800-432-6915.

FLORIDA LAW requires us to inform you that: "Any person who knowingly and with intent to injure, defraud or deceive any insurance company, files a  statement of claim containing any false, incomplete or misleading information is guilty of a felony of the third degree."When filing a claim for school policy benefits, parents must disclose all other possible sources of primary insurance on the claim form.  Failure to provide true and accurate information may jeopardize your rights to receive benefits from the school policy.

Click Here for Excess Student Accident Insurance Overview and Application