THE FOLLOWING INFORMATION IS FOR THE

2026-2027 SCHOOL YEAR

Dear Parents and Students:

Your school safety is a top priority. Sometimes accidents happen. As a public service for your community, your school has negotiated a low cost student accident insurance plan for your consideration. Public schools are not responsible for accidents on public school grounds and not responsible for insurance for students. It is the responsibility of the parents to have insurance coverage for their families. Here is a brief summary of the insurance plans you can elect to purchase for your public school students. These premiums are one time per school year. Please read a Summary of Insurance for more complete policy terms, provisions and exclusions before you make your purchase.

COVERAGE EFFECTIVE AND TERMINATION DATES 

Coverage under the Student Accident Insurance School Time Plan or 24 Hour Plan becomes effective on the later of the following dates: 1) At 12:01 A.M. (EST.) on the first day of scheduled school classes for the regular school term.  Or, 2) at 11:59 P.M. (EST.) on the date the premium is paid or received by Kidguard Insurance agency office.  The School Time Plan will terminate on the last day of school. The 24 Hour Plans terminate on the last day of summer in August, 2027 or the first day of school for the new 2027 fall school term, whichever is first. Students may enroll anytime but there are no discounts for late enrollees.

For Florida High School Athletic Association (FHSAA) interscholastic sports participants, the Student Accident Insurance Policy (School Time or 24 Hour and Football Plans) becomes effective for the first day of FHSAA practice as scheduled by the FHSAA or at 11:59 P.M. (EST.) on the date the premium is paid or received by Kidguard Insurance agency office, whichever is the later date. Interscholastic Sports coverage terminates after the last official FHSAA sanctioned public school game for the season or the date the athlete becomes ineligible for the policy.  Coverage will continue for sports during the summer if the sports premium is paid and if the sports activity is scheduled, sponsored and funded by the school district.  Private camps, camps run by coaches or private leagues and summer 7 on 7 leagues are not covered.  Please note Football is not covered under School Time or 24 Hour Plans unless the additional football premium is paid.

SCHOOL TIME ACCIDENT PLAN: Provides protection only during school sponsored, school supervised, school scheduled classes and activities, including interscholastic sports (except football) during the regular school term. Cost is $15.00 This option does not provide coverage for tackle football practices or games. 

24 HOUR ACCIDENT INSURANCE PLAN: Provides protection during school sponsored, school supervised, school scheduled classes and activities, including interscholastic sports during the regular school term. PLUS coverage during the summer and while at home, on the weekends, holidays, during vacation periods, 24 hours a day, 7 days a week. Cost is $65.00 This option does not provide coverage for tackle football practices or games. 

Click Here To Purchase Coverage Online Now!!

First-Time Users: You must create a New User Account before purchasing insurance.
Existing Users: Log in using your email address and password to access your account and continue your purchase.

ADDITIONAL BENEFIT OPTION: 
**You must purchase either the 24 Hour or School-Time plan to be eligible for the following benefit option:

Short-Term Emergency Sickness Benefit Plan: Covers Expenses incurred for treatment of an Emergency Sickness that occurs during a Covered Activity.  Requires care and treatment rendered in a hospital, urgent care or other appropriately licensed medical facility as certified by the local authorities where the Emergency Sickness first manifested itself during the period of coverage or by a Physician. For late enrollments there are no pro-rated discounts. Cost is only $40.00 to add this coverage to the school time or 24 hour plans.

**FHSAA TACKLE FOOTBALL 2026 - Provides coverage during the pre-season, regular season and spring season. Begins on July 27th, 2026, and terminates in May 2027, as sanctioned by the FHSAA.  Applications must be received by September 4th, 2026. This plan will provide basic accident insurance protection during the 2027 FHSAA football season summer conditioning. $75.00

Click Here to Download and Print a FHSAA Tackle Football Summary of Insurance and Application (Application must be received bySep 4th, 2026)

Click Here to Read a Summary of Insurance and/or Print an Application to Enroll

The Summary of Insurance provides the coverage effective dates, policy terms, provisions, maximum benefits and exclusions.  Please be sure to read the summary of insurance and print one for your records. If you enroll online you will be able to print an ID card after your payment is processed.

For more information, please click on 'IMPORTANT LINKS' above