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Frequently asked questions:

What exactly is Girl Scout Insurance, and how do I get it?  A portion of the dues paid by every registered member is used to provide basic accident protection. This coverage does not replace family health insurance. It does not duplicate medical expense collected under other insurance plans. The insurance covers registered members girls and adults for any approved, supervised activity of the Girl Scouts, except activities lasting more than two consecutive nights ( a third night is covered only for any official federal holiday.) Also covers travel directly to and from the covered activities. Sickness is not covered; only medical expenses arising out of an accident during an approved, supervised activity is covered.

When does coverage begin?  Members are covered when they pay membership dues and their registration and due have been forwarded to the Council.

How does this insurance coverage work with other health insurance plans?  The Basic Plan provides $130.00 in benefits for covered medical and dental expenses. Girl Scout insurance is secondary to the individual’s primary insurance coverage.  When an accident does occur, this basic accident coverage is designed to provide financial assistance.

What is meant by an approved, supervised Girl Scout activity?  It is an activity carried out by Members of the Movement, under supervision of adults, in keeping with the Girl Scout Program Standards.

Would coverage be provided for medical expenses of a Member who became ill during an approved activity?  No. Sickness is not covered; only medical expense arising out of an accident during an approved, supervised activity is covered. However, illness caused by an accident, such as a poisonous snake or insect bite would be covered.

When and how can sickness insurance be provided?  Sickness insurance is provided along with accident insurance under Plan 3, but it is not available for events lasting less than three nights.

What is a Pixie?  Pixie's are those children who are placed in Supplemental Supervised Units. Some common types of units are ones that include a "boys' unit," and "pixie" unit." It is the children who would be "Tagalongs," except for the fact that they are kept under the continuous supervision of an adult while a Girl Scouting activity takes place for Members. The reason they are insurable is that they are continuously supervised. In resident camping there may be a counselor assigned specifically to supervise the children of staff who are not campers. In the troop/group setting, it maybe siblings who are kept together away from the Girl Scout programming and supervised by an adult: Member or nonmember, or a properly trained and adult-supervised older Girl Scout.

What is Plan 1?  Plan 1 is Girl Scout Activity Accident Insurance - Basic Coverage. This Plan provides the basic accident protection for every registered Daisy, Brownie, Junior, Cadette, Senior and Adult Girl Scout Member. New Members are covered upon registration and payment of dues. This plan covers every registered Girl Scout and registered Adult Member for any approved, supervised activity of the Girl Scouts, except activities lasting more than two consecutive nights (a third night is covered only for any official federal holiday). Also covers travel directly to and from the covered activities.
       The purpose of the this plan is to assure that every registered Girl Scout is automatically covered by accident insurance during normal supervised program activities, except those events which last more than two consecutive nights (three nights when one of the nights is a federal holiday, such as Memorial Day or Labor Day). Coverage is automatic for all girls upon registration in the he Movement and payment of dues.

What is a Tagalong?  A Tagalong is a child who is not a Member of the troop/group and is not participating in the activities as a potential Member. Examples include younger or older siblings of a troop/group member who accompanies the Member or an adult to a meeting or on an outing. A Daisy who goes to a Cadette meeting that her mother is leading is a "Tagalong" (unless she is in a Supplemental Supervised Unit). A Cadette attending a Daisy event who is assisting on a formal basis is not a "Tagalong." A Cadette who does her school homework while the Daisy troop meets is a "Tagalong."

Are "Tagalongs" (brothers, sisters, friends) covered under the Basic Plan?  No. If the "Tagalong" is a registered Member of a different troop/group, but is not of the proper age for the activity and is not participating as a service project, there is still no coverage. For example, a registered Daisy tagging along with the parent who is leading a Cadette troop has no coverage for the event. Conversely, a Cadette assisting at a Daisy meeting does have coverage.

What do I do if there is an emergency or accident?  Members should follow the directions as given on the Major Emergency or Crisis Communication Card. In all cases, contact council personnel.

How do I file a claim under this insurance?  The troop leader completes the Leader portion (lower half) of the GSUSA Insurance Claim Form and forwards to the parents. Treatment must occur within 30 days of the accident date.

The parent completes the claimant portion (top half) of the GSUSA Insurance Claim Form, attaching physician treatment form, and forwards the entire form to the council office, to the attention of the human resources, risk and insurance director. Please do not forward the claim form and bills to the insurance company. The insurance company will not process the claim without the council validation. Any additional bills received should also be forwarded to the council. If you have any questions, please contact the council.

A written report of the accident should also be completed by the troop leader and forwarded to council.

What about additional insurance?  Optional Insurance (Plan 2) is for trips last more than 72 hours. Members must purchase this insurance. Contact the council’s insurance director for more information regarding this and other additional optional insurance plans or refer to Going Places pages 14-15. The cost of these additional programs can be found on page 33 of Going Places. Please note that Optional Plan 3P now costs $0.67 each day per participant.  Download "Request for purchase of additional GS activity insurance" form here:
1.  Word format (E-form) Right mouse click on Word file/E-Form & "save document/target to your computer" before filling it out 
2.  Adobe PDF format

Must Plan 2 be purchased for Members and nonmembers participating in Day Camp or similar-type events?  No. When Plan 1 covers Members, Plan 2 need only be purchased for nonmembers.

Plan 2 is now $.11 cents per day per participant. This is accident coverage only. The Plan 2 covers Members during activities/events lasting more than two nights (three nights when one of the nights is an official federal holiday). It covers nonmembers as participants regardless of the length of the activity/event.

What are typical events for which Plan 2 is used?  Recruitment events, Supplemental Supervised Units, family events, programs held in conjunction with other organizations where Girl Scouts is the primary sponsor, and school environmental education programs managed by Girl Scouts and using Girl Scout programs are a few of the events which can be covered under Plan 2.

What about personal property?  The insurance does not cover personal property.

Environmental Educational Camping - what is that?  This includes use of Girl Scout facilities by nonmembers, and can be insured IF the actual management of activity is by Girl Scout staff/volunteers in conformance with Girl Scout Program Standards. Such groups may include school classes, members of other informal educational groups such as Boy Scouts, and community or religiously funded organizations.