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Hearst High School
News Item

Student Accident Insurance

January 09, 2020

Our District School Board Ontario North East (DSB1) staff work diligently to ensure student safety. However, accidents can and do happen! Each year, many of our families spend thousands of dollars when their children are injured at school, on field trips, while participating in non-school activities, or at home. 

DSB1 does not provide accident insurance coverage for student injuries that occur on the school property or during school activities including extracurricular sports. If a student is injured, parent(s)/guardian(s) are responsible for any costs not covered by the Ontario Health Insurance Plan (OHIP) or their employer’s health care plan. 

Most accident related expenses are not fully covered under any plans and expenses like ambulance fees, casts, crutches, physiotherapy and emergency dental care aren’t covered at all. This leaves the parent/guardian financially responsible for these unexpected and usually hefty expenses. Please check with your provider regarding your coverage. 

To help protect your family, it is recommended that you consider obtaining student accident insurance which provides coverage for these types of costs. As a convenience to parents, DSB1 has made an arrangement to offer student accident insurance through Old Republic Insurance Company of Canada (insuremykids®). Participation is voluntary but highly recommended. The policies are available for students aged 26 and under. Costs are to be paid by the family. 

Coverage is provided for a wide range of accidental expenses, including:

  • Dental expenses: includes 10 years unlimited dental benefit coverage, future dental up to $1,650 per tooth, and injury related orthodontia coverage up to $2,500 per accident. 
  • Total and permanent disability: up to $350,000 
  • Loss of limb/loss of use
  • Accidental death
  • Ambulance fees and more… 

Insuremykids® Student Accident Insurance offers three plans with a variety of benefits at affordable rates – their most affordable plan is available for as little as $13.00 per year. The most popular plan is the Platinum at $33 per year and it includes out of province emergency medical coverage and travel benefits. Family rates are available for three or more children in the same family, even if attending different schools. 

For more information or to purchase directly online, please visit or call 1-800-463-5437 

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