Fowinkle Insurance

Student Accident Insurance

Fowinkle School Insurance Agency offers very affordable student school accident and catastrophic coverage in the state of Florida.

Optional School-Time Accident Coverage

Each Insured who pays the additional premium required for this benefit is insured under this provision.

Coverage starts on the date of premium receipt (but not before the start of the School year). The Insured’s coverage will end at the close of the regular nine-month school term, except while the Insured is attending academic classroom sessions exclusively sponsored and solely supervised by the School during the summer.

A person insured under this provision is covered as stated on the face page of this Policy. Benefits under this provision are subject to all other provisions of this Policy, including all Coverage and Limitations stated in the Schedule of Benefits, Maximums, and Exclusions.

Optional 24-hour Accident Coverage

Each Insured who pays the additional premium required for this benefit is insured under this provision.

Coverage starts on the date of premium receipt (but not before the start of the School year). It ends when School reopens for the following School year.

A person insured under this provision is covered regardless of whether or not the injury is sustained as stated on the face page of this Policy. Benefits under this provision are subject to all other provisions of this Policy, including all Coverage and Limitations stated in the Schedule of Benefits, Maximums, and Exclusions.

Optional Football and/or Sports Coverage

Each Insured who pays the additional premium required for Football and/or Sports Coverage is insured for Accidents occurring while participating in football and/or sports practice or competition. Travel is also covered when going directly and uninterruptedly to and from the practice and competition. Coverage starts on the date of premium receipt (but not before the start of the School year). The Insured’s coverage will end on the last day of practice or competition. Benefits under this provision are subject to all other provisions of this Policy, including all Coverage and Limitations stated in the Schedule of Benefits, Maximums, and Exclusions.

Optional 24-Hour Dental Coverage

Each Insured who pays the additional premium required for this benefit is insured under this provision.

Coverage starts on the date of premium receipt (but not before the start of the School year). It ends when School reopens for the following School year.

This provision covers Accidents occurring anytime and anywhere. The Insured must be treated by a legally qualified dentist who is not a member of the Insured’s Immediate Family for Injury to teeth. The Company will then pay Reasonable Expenses that are Medically Necessary. Coverage is limited to the treatment of sound, natural teeth.

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