When a student is hurt, families aren't left with the bill.
Accident medical coverage for students during the school day, at school events and in sports, with school-time and 24-hour plan options.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Coverage that works alongside family insurance
Student accident insurance pays medical expenses from covered accidents, often on an excess basis after a family's own health insurance, which helps with deductibles and copays.
Schools can offer school-time plans, which cover the school day and school events, or 24-hour plans that cover students around the clock during the school year and summer. Interscholastic sports can be covered too.
- School-timeSchool day and school-sponsored events.
- 24-hourAll day, through the school year and summer.
- SportsInterscholastic athletics.
- Excess medicalAfter the family's own health insurance.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- School: name, type and address.
- Students: enrollment.
- Plan: school-time, 24-hour or sports.
- Sports: interscholastic programs.
- Payer: school-paid or offered to parents.
- Current plan: any existing coverage.
Student accident insurance, answered
Is student accident insurance the same as health insurance?
No. It covers accidents only, often after the family's health insurance pays.
Who buys it?
Schools buy it for all students, or offer it to parents to purchase.
Are sports injuries covered?
Interscholastic sports can be included or added. Some plans exclude tackle football unless added.
Does it replace school liability insurance?
No. Liability covers claims against the school; accident insurance pays medical bills regardless of fault.
Do you offer student accident insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your school. I'll shop it.
Enrollment and the plan type you want are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.