Insurance solutions for High School Programs

High school exchange programs come with a high level of responsibility.
Participants are minors living and learning in a new environment — often far from home.

That’s why insurance needs to go beyond basic coverage. It should support your duty of care, enable easy access to healthcare, and provide a reliable framework for participants, host families, and your team.
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Supporting Your Program Responsibilities

What matters most in High School Programs?

High school programs come with unique responsibilities — especially when working with minor participants in supervised environments. Insurance should reflect these realities and support both participant wellbeing and the practical needs of your program.

Duty of care

Minor participants require reliable, gap-free protection. Plans must cover unexpected medical situations and reflect the responsibility you carry for their safety and wellbeing—very different from adult coverage.

Easy access to care

Participants and host families need simple, fast access to care and clear guidance on what to do when needed. Strong support and advocacy from your insurance partner are essential.

Coverage for real life

Insurance should match the daily reality of high school students—active, social, and sometimes at risk. Coverage should include injuries, illnesses, and mental health support.

Program Compliance

Programs require insurance that meets visa rules and specific sponsor or destination requirements. Flexible solutions ensure both program compliance and student protection.

Recommended coverage Structure

How a High School 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 $2,000,000 and available as per Illness per Injury or Per Policy Year
  • Low out-of-pocket expenses to the minor participant
  • Deductibles, copayments, and coinsurance designed to stay as low as reasonably possible
  • Emergency Room Care available and education provided as to when it should be used (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

Exclusions Options

  • Standard Exclusions, applicable to the population. This requires the ability to customize.
  • Exclusions for sports and hazardous activities often need to be customized. High school students are an active and adventurous group.
  • Exclusions for mental health often need to be changed to limited benefits
  • Exclusions for routine and preventive often need to be changed to limited benefits
  • Exclusions for pre-existing conditions should be 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 student is admitted for a certain number of days, a round-trip ticket and meal/lodging benefit for one family member. High School usually only requires 3-day admission.

Additional Benefits

  • Telemedicine access
  • PPO network appropriate for the group (U.S. programs)

Optional Add-ons

  • Pre-existing condition benefits
  • Liability Coverage
  • Baggage Coverage

Program Support and Access

  • Dedicated Account Manager to advocate for and assist students
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Educational resources for participants and organizations

This sample structure is based on our experience with High School 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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