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Do My Kids Need Insurance for School Sports?

Do My Kids Need Insurance for School Sports?

Student accident insurance can provide extra coverage and peace of mind for parents.


Talk to your Western insurance expert about getting student accident insurance if your child plays school sports. We have the knowledge and expertise to guide you through this process.

What is student accident insurance?

Extra-curricular activities like school sports are part of what makes your child’s educational experience memorable and challenging, but they do have risks. Staff at your child’s school provide the best supervision they can, but accidents can still happen.

Your child could be injured while playing school sports or away on a field trip and while the school does have insurance, not everything is covered. Student accident insurance covers medical expenses if your child is injured in an accident at school or during school sports or extracurricular activities.

Your Western insurance expert will answer any questions you may have about student accident insurance and what policy is right for you.

What does student accident insurance cover?

Student accident insurance fills the gaps that may be left by your child’s school's insurance, provincial health insurance, and your group benefits. It covers expenses you would otherwise pay out of pocket if your child has an accident while playing school sports and may cover:

  • Ambulance fees
  • Hospital extras
  • Counseling, tutoring, and physiotherapy
  • Crutches, casts, and home medical equipment
  • Emergency dental and orthodontic care
  • Replacement glasses and emergency vision care
  • Travel benefits and out-of-province medical care

Having student accident insurance for your kids when they play school sports is important because it helps cover the remaining costs after your primary insurance policy has been applied. If you do not have benefits through work, student accident insurance is especially important so you do not have to pay medical expenses out of pocket if your child is injured.

How much does student accident insurance cost?

Insuring your child with student accident insurance is affordable, especially when compared to the potential cost of an injury. It typically costs around $30 per year and even a minor injury could cost much more.

Western has insurance experts across Canada. Fill out our form in one minute. One of our insurance brokers will contact you shortly. Our experts are also available now in branch or on the phone to help you navigate the home insurance journey that will give you the right policy for your situation.

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