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Tuesday, June 5, 2012

Sending Kids to Summer Camp Without Insurance

Last summer, we sent Cup Cake to soccer camp because her soccer team was going to skip an age group and I felt she would benefit from some extra instruction. I think it's important for kids to know what kinds of talent is out there beyond local kids.

CupCake loved the camp and I was surprised when she didn't even wait until the last day to ask if she could go back. I'm leary of promising my kids they can do expensive things again because I worry about not having the money so I didn't say one way or the other.  As it turns out, we don't have the funds I'd like to have in order to comfortably send her to camp.  MrLivingOurWay, on the other hand, doesn't think about finances and told her she could go without consulting me.  I'm going to back him and let her go but I did talk with both of them together about the possibility of going next year being very unlikely.

I went to register CupCake for this camp and read that we must have medical insurance.  We had health insurance last year but we dropped it as of January 1st of this year. I immediately sent the camp director an e-mail asking about our options and then I did my own research while I waited.

1.  Insurance through the camp itself.  Many camps will offer a temporary health insurance for while the child is at camp.  It's usually fairly inexpensive and convenient since you can register for it at the same time you register for camp.

2. Camp insurance You can purchase camp insurance. One such place to purchase this insurance is through Travmark (this is not an advertisement; just one of the few places I found).  In addition to offering temporary medical coverage during the camp, it also pays out if the camp is suddenly  canceled covering the cost of canceling travel plans and the cost of the camp.

3.  Temporary health insurance.  You can purchase one month of temporary health coverage for your child (or family) during the month or months the camp takes place.

Of the three options above, temporary health insurance would have been the best option for our situation. The camp did not offer its own health insurance which is what prompted the research to begin with.  By my calculations, the camp insurance cost the same for one week as the health insurance did for one month.  CupCake's camp isn't THAT expensive to justify the extra cost and it isn't so far away that we are taking a plane.  The added bonus is that should something catastrophic happen in that month she would be covered.

As it turned out, we didn't end up having to use any of the above options.  After several weeks of e-mailing back and forth about our situation., the camp director told me that as long as we had proof of our membership with Samaritan Ministries complete with an ID number, they would accept that information in place of insurance information.  We were happy not to have an extra expense to add to an already expensive activity.


  1. They have insurance for kids in Virginia that is free or low cost depending on your status. I don't know much about it but I found this like for NC.
    We have a policy on our daughter but it isn't cheap.

  2. We were in the fortunate situation until now that our part time temporary day jobs actually disqualified us from government subsidized insurance. Now,we make far less but we have such a good plan in place that I don't see a need to use government insurance for now. We really only needed her to be insured for a week.

  3. Insurance is the first need when anyone send their children far away from house even for summer camp and other adventurous trip. If children are properly insured by genuine company then half of the problem of parents are solved. I always prefer best insurance companies for my children which promise to get claim on time. Last year my kids are going to Adirondack camps and they get insured by them.