Camp Counselor programs

Insurance solutions for Camp Counselor programs

Your counselors work, live and play outdoors, often far from the next hospital. Their coverage should keep care within reach, around the clock.

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Illustration of camp counselors with children around a campfire
Built for life at campOn duty, outdoors and after hours

Your responsibilities

What matters most in Camp programs

Camp counselors combine responsibility, physical activity and community living, often far from urban healthcare. Your coverage should be practical, accessible and flexible.

  • 01Remote access to careBroad networks, telemedicine and help finding nearby providers, even far from major facilities.
  • 02Active lifestyleCover for injuries from sports, outdoor activities and after-hours incidents.
  • 03TelemedicineFast medical advice in remote settings, without unnecessary travel.
  • 04Emergency flexibilityManageable ER deductibles and support for urgent care alternatives.

Sample plan

How a Camp solution can be structured

An overview of a typical structure, based on our experience with Camp programs.

Final coverage, benefits and limits are always tailored to your program requirements, destination, participant profile, insurance carrier and claims administrator.

Medical coverage highlights10
  • Overall policy maximum between $100,000 and $500,000, available per illness or per injury
  • Deductibles, copayments and coinsurance kept as low as reasonably possible
  • Emergency room care when necessary, with guidance on appropriate use and manageable deductibles (U.S. programs)
  • Affordable, easy-to-access urgent care, walk-in clinic and telemedicine options (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 (optional)
Exclusion options6
  • Standard exclusions applicable to the population, with the ability to customize
  • Exclusions for sports and hazardous activities, carefully reviewed and customized if necessary
  • Exclusions for recreational and off-road vehicles, often customized depending on the modes of transportation used where participants live
  • Exclusions for mental health, often changed to a limited benefit for outpatient and inpatient care
  • Exclusions for pre-existing conditions, carefully reviewed and customized if necessary
  • Exclusions for STDs and common skin disorders, carefully reviewed and customized if necessary
Emergency assistance services5
  • 24/7 multilingual emergency medical assistance and support
  • Medical evacuation and repatriation
  • Repatriation of mortal remains
  • Compassionate emergency visit (round trip home and back in case of a death or life-threatening condition of an immediate family member)
  • Bedside (family reunion) benefit: round-trip ticket plus meals and lodging for one family member if a participant is hospitalized for a certain number of days
Additional benefits4
  • Mental health and wellness program access, including crisis care (U.S. programs)
  • Telemedicine access
  • PPO network with direct billing for camp staff hosted in the U.S.
  • Claims administrator support in arranging direct payment for camp staff hosted outside the U.S., when necessary
Optional add-ons12
  • Liability coverage
  • Baggage coverage
  • Telemedicine, teletherapy and teledentistry buy-up (U.S. programs)
  • Online pharmacy discount program (U.S. programs)
  • Trip interruption, trip delay and trip cancellation
  • Legal advice
  • Emergency bail bond
  • Lost documents and emergency cash assistance
  • Terrorism coverage
  • Search and rescue
  • Political, security and natural disaster evacuation
  • Kidnap consultant fees
Program support and access5
  • 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
  • Guidance on when to file claims under workers’ compensation (U.S. programs)
  • Educational resources for participants and organizations

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 requirements or just want to explore options.

Request your customized plan or contact us