Girl Scout Activity Insurance

Every registered Girl Scout and registered adult member in the Girl Scout movement is automatically covered under the basic plan upon registration. The entire premium cost for this protection is borne by Girl Scouts of the USA. The basic plan is effective during the regular fiscal year (October to the following October). Up to 14 months of insurance coverage is provided for new members who register in the month of August. This insurance provides up to a specified maximum for medical expenses incurred as a result of an accident while a member is participating in an approved, supervised Girl Scout activity, after the individual’s primary insurance pays out. This is one reason that all adults and girls should be registered members. Non-registered parents, tagalongs (brothers, sisters, friends), and other persons are not covered by basic coverage.

This insurance coverage is not intended to diminish the need for or replace family health insurance. When $130 in benefits has been paid for covered accident medical or dental expense, any subsequent benefits will be payable only for expenses incurred that aren’t compensable under another insurance policy. If there is no family insurance or healthcare program, a specified maximum of medical benefits is available.

An optional plan of activity insurance is available for Girl Scouts taking extended trips and for non-members who participate in Girl Scout activities. These plans are secondary insurance that a council may offer to cover participants taking part in any council-approved, supervised Girl Scout activity. Optional insurance coverage is available for any Girl Scout activity that involves non-Girl Scouts or lasts longer than three days and two nights. Contact Girl Scouts Heart of Michigan to find out how to apply. Girl Scouts Heart of Michigan may make this mandatory, in some cases, particularly for overseas travel.

To apply for additional activity insurance:
1. Go to the Mutual of Omaha Web site as indicated below or obtain a form from your regional office, or print the enrollment form from the GSHOM.org Web site.

2. Requests must be received in your regional Girl Scout office at least three weeks prior to your event. The enrollment form and premium must be received by Mutual of Omaha prior to 12:01 a.m. of the first day of the Girl Scout event.

3. Follow directions on the Mutual of Omaha Enrollment Form:
a. Submit the completed enrollment form and payment through your GSHOM membership specialist.
b. Following your membership specialist’s approval, GSHOM will send the completed enrollment form and premium (made payable to United of Omaha Life Insurance Company). The minimum premium is $5.00; several enrollment forms included in one submission may be combined to meet the minimum.
Review the Girl Scouts insurance plan description here.