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A broken arm during a game, an injury at the playground, a fall from a scooter, or an accident during a family outing can happen unexpectedly and may lead to unforeseen expenses.

Is Student Accident Insurance Enough?

Many parents assume that their children’s student accident insurance provides complete protection. However, it’s important to understand that it does not replace a private Personal Accident Insurance policy.

Depending on the terms of the policy, Personal Accident Insurance may provide financial compensation for events such as:

• Bone fractures
• Burns
• Hospitalization following an accident
• Temporary or permanent disability
• Loss of functional ability resulting from an accident

Coverage varies from one policy to another, so it’s important to understand exactly what your current insurance includes.

Why Is Summer the Right Time to Review Your Coverage?

During the summer months, children:

• Spend more time at swimming pools and the beach.
• Ride bicycles, scooters, and skateboards.
• Participate in sports and outdoor activities.
• Attend summer camps and family trips.
• Spend less time in structured school environments and more time enjoying recreational activities.

All of these increase the likelihood of accidents and injuries.

A Few Minutes of Review Can Save a Lot of Stress

Before summer begins, it’s worth checking:

✔ Do your children have Personal Accident Insurance?
✔ Are the benefit amounts still appropriate?
✔ Is every family member properly insured?
✔ Are there any coverage gaps or unnecessary duplicate policies?

A simple insurance review can help ensure your family is protected when the unexpected happens.

Enjoy Summer with Greater Peace of Mind

No parent wants to think about accidents, but every parent wants the confidence of knowing their family is protected if something unexpected occurs.

Want to find out whether your Personal Accident Insurance provides the right level of protection?

The team of experts at Goldfus will be happy to review your coverage and help you find the insurance solution that best fits your family’s needs.