Insurance solutions for
Camp Counselor Programs

Camp counselors live and work in dynamic, often remote environments where daily routines blend with outdoor activities, group living, and high levels of responsibility.

Their insurance should go beyond basic emergency coverage — it must support active lifestyles, provide reliable access to care even in remote areas, and be easy to use in real-life situations.
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Supporting Your Program Responsibilities

What matters most in Camp Programs?

Camp counselors work in unique environments that combine responsibility, physical activity, and community living — often far from urban healthcare infrastructure. From outdoor activities and after-hours incidents to limited access to nearby providers, insurance must be designed to support these realities — with practical, accessible, and flexible solutions.

Remote Access to Care

Working in camps often means being far from major medical facilities. Coverage should ensure access to care through broad networks, telemedicine, and support in finding nearby providers.

Active Lifestyle

Camp counselors lead highly active lives — at work and in their free time. Insurance should cover injuries from sports, outdoor activities, and after-hours incidents.

Telemedicine

Quick access to medical advice is essential in remote settings. Telemedicine enables fast consultations and guidance without unnecessary travel.

Emergency Flexibility

Reaching an emergency room may not always be easy. Coverage should offer manageable ER deductibles and support for urgent care alternatives.

Recommended coverage Structure

How a Camp insurance solution can be structured

This sample overview is designed to show the general structure of a possible solution.
Final benefits and included components will be adjusted based on your organization, destination, and participant profile.

Medical Coverage Highlights

  • Overall policy maximum between $100,000 to $500,000 available as per Illness per Injury
  • Deductibles, copayments, and coinsurance designed to stay as low as reasonably possible
  • Emergency Room care included when necessary, with guidance on appropriate use and deductibles designed to remain manageable (U.S. programs)
  • Urgent Care, Walk-In Clinic, and Telemedicine options must be affordable, easy to access, and encouraged when appropriate (U.S. programs)
  • Hospital treatment and ancillary charges
  • Physician services (office and hospital visits)
  • Physiotherapy
  • Prescription Drugs
  • Ambulance Transportation
  • Emergency Treatment of Pre-Existing Conditions benefit available as optional

Exclusions Options

  • Standard Exclusions, applicable to the population. This requires the ability to customize.
  • Exclusion for sports and hazardous activities should be carefully reviewed and customized if necessary
  • Exclusions for recreational and/or off-road vehicles often need to be customized depending on the modes of transpiration used where the participant is living
  • Exclusion for mental health often needs to be changed to a limited benefit for both out-patient and in-patient
  • Exclusion for pre-existing conditions should be carefully reviewed and customized if necessary
  • Exclusion for STD's or common skin disorders should be carefully reviewed and customized if necessary

Emergency Assistance Services

  • 24/7 Multilingual emergency medical assistance and support
  • Medical Evacuation and Repatriation
  • Repatriation of Mortal Remains
  • Compassionate Emergency Visit (round-trip return home and back in the event of a death or life-threatening condition of an immediate family member)
  • Bedside (Family Reunion) benefit. If a participant is admitted for a certain number of days, a round-trip ticket and meal/lodging benefit for one family member.

Additional Benefits

  • Mental Health & Wellness Program access (crisis care) - only U.S. programs
  • Telemedicine access
  • PPO network providing direct billing for Camp Staff hosted in the USA
  • Assistance provided by the claim administrator for Camp Staff hosted outside the USA for arranging direct pay arrangements when necessary

Optional Add-ons

  • Liability Coverage
  • Baggage Coverage
  • Telemedicine, Teletherapy, Teledentistry buy-up available - only U.S. programs
  • Online Pharmacy Discount program - only U.S. programs
  • Trip Interruption / Trip Delay / Trip Cancellation
  • Legal Advice
  • Emergency Bail Bond
  • Lost Documents and Emergency Cash Assistance
  • Terrorism Coverage
  • Search & Rescue
  • Political, Security and Natural Disaster Evacuation
  • Kidnap Consultant Fees

Program Support and Access

  • Dedicated Account Manager to advocate for and assist Camp Counselors and Camp Staff
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Education and guidance to help participants understand when to file claims under Worker’s Compensation (U.S. programs)
  • Educational resources for participants and organizations

This sample structure is based on our experience with Camp programs. Final coverage, benefits, and limits are always tailored to your specific program requirements, destination, and participant profile, and insurance carrier and claims administrator.

Let’s design the right coverage for your program

Tell us about your program, and we’ll guide you through the next steps.
Whether you already have specific requirements or just want to explore options — we’re here to help.

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