Voluntary K-12 Accident Insurance Program

Shorecrest Preparatory School, Inc.
St. Petersburg, FL

(Upon completing the application, you will be given the opportunity to save your quote or purchase the insurance.)

24-Hour Accident Coverage

Provides around the clock protection

School Time Accident Coverage

Provides protection while:

  • Attending school during regular school days and regular school hours.
  • Traveling directly to or from the insured’s residence and school, when such travel time does not exceed one hour before or one hour after regular school classes unless additional travel time on the school bus is required, in which case coverage shall extend for additional travel time that might be necessary.
  • Attending an activity organized, sponsored, and solely supervised by the school and school employees. This includes travel directly to or from the activity in a vehicle furnished and authorized by the school for the express purpose of transporting students directly to and/or from the school or school-sponsored activities and to be operated and supervised solely by school-authorized employees.

Athletic Coverage

Both plans cover all school-sponsored intramural and interscholastic sports, except senior high school tackle football, which is available for an additional premium.

Student Coverage Effective and Expiration Dates

For completed applications and accompanying premium received by us within the first 10 days of the policy effective date, the student’s coverage shall begin on the policy effective date. For applications and premiums received after the initial 10-day period, student’s coverage shall begin on the date that we receive the completed application and premium. (The policy effective date is the first day of school-sponsored athletic activities.)

Under the School Time Coverage Plan, the insured’s coverage shall expire at the close of the regular nine-month school term, except while the Insured is attending academic classroom sessions exclusively sponsored and solely supervised by the school, during the summer. Under the 24-hour coverage plan, the insured’s coverage shall expire on the day prior to the first official day of the school year.

For students who also enroll in the senior high school football benefit plan, coverage for the football-related activities will expire one year from the policy effective date, except for graduating seniors, whose football coverage shall expire at the close of the regular nine-month school term.

If the optional extended dental coverage is purchased in conjunction with either the school time plan or the 24-hour plan, the extended dental coverage shall expire on the same date as the plan it was purchased with.

Optional Additional Coverages

These optional coverages are available for additional premium:

  • Football Coverage on an Optional Individual Basis - $25,000 Maximum Benefit
    Each student who pays the required additional premium is insured for accidents occurring while participating in senior high school interscholastic football practice or competitions. A deductible of $100.00 applies.
  • Extended Dental Coverage as an Optional Individual Basis - $25,000 Maximum Benefit
    If the additional dental premium is paid, we will pay the usual, reasonable, and customary expense for necessary dental treatment of injuries to sound and natural teeth up to a maximum of $25,000 as a result of any one accident. The insured must be treated by a legally qualified dentist, which is not a family member, within 60 days from the day of injury.

Note: Excess Coverage. This policy is secondary coverage to all other plans or insurance for which the insured may be eligible. We will determine the amount of benefits provided by other plans without reference to any coordination of benefits, non-duplication of benefits, or other similar provisions.

Covered Medical Expenses

When you suffer a loss from injury when this policy is in force, we will pay:

  • For usual, reasonable, and customary expenses.
  • Where treatment and services are received within 60 days from the date of injury.
  • Where bills are incurred within 52 weeks from the date of the injury.
  • All coverages subject to maximum benefits and limits as stated in the policy schedule ($25,000).

Standard Plan

Preferred Plan
Hospital Room and Board $250 per day $500 per day
Hospital Intensive Care (when insured’s hospital confinement
Demands a medical necessary ICU stay 		$500 per day
for 3 days Maximum		 $1,000 per day
for 5 days Maximum
Hospital Miscellaneous Expenses $250 per day $500 per day
Hospital Outpatient/Emergency Room Treatment $375 per day $750 per day
Outpatient Surgical Facility $250 per day $500 per day
Surgeon Expenses 70% not to exceed
$1,500.00		 80% not to exceed
$2,500.00
Assistant Surgeon Expenses 25% of Surgeons Expense 25% of Surgeons Expense
Anesthesiologist Expenses 25% of Surgeons Expense 25% of Surgeons Expense
Physiotherapy Outpatient Treatment $35 for the first visit;
$25 each subsequent visit
5 visit maximum		 $50 for the first visit;
$25 each subsequent visit
5 visit maximum
Physiotherapy Inpatient Treatment 10 days 20 days; $500 per day
Consulting Physicians $50 $100
Laboratory Tests $100 $250
Prescription Medications $100 $150
X-Rays or Diagnostic Imaging $200 $250
Ambulance Expense (Including Air) $500 $1000
Orthopedic Braces and Appliances $100 $200

Premium Rates
School Time Accident Coverage $22.00 $42.00
24-Hour Accident Coverage $110.00 $184.00
Optional Senior High Football Coverage $89.00 $94.00
Optional Extended Dental Coverage $10.00 $10.00

Insurer

The Accident coverage is provided by Great American Insurance Group.