Manitoba School Boards Association

Application for Outside Users

Application for Safe Grad Liability Insurance Coverage

The Province of Manitoba provides guidelines for construction projects for all provincial government departments and agencies that requires most projects to be covered under Owner Controlled Insurance as opposed to Contractor Controlled Insurance. Funding for the majority of education construction projects is derived from the Government of Manitoba via the Public Schools Finance Board (PSFB).

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Call Kurt Gutoski, CAIB  Mobile 204-795-6991  Office 204-988-4808

Kurt.Gutoski@hubinternational.com

Program is provided to designated staff of participating Manitoba School Divisions.

Coverage for Business Travel Accident is underwritten by Industrial Alliance.  

Medical reimbursement related to an accident is included up to $10,000. 
Note: If travelling out of province for personal reasons, additional coverage should be purchased as $10,000 would not be adequate.  If travelling for work please see Staff/Volunteer Business Travel Health.

Coverage and questions can be directed to:

Email: msbaschool@hubinternational.com

Phone: 1-877-201-6801

How to Claim:

Report a claim to Industrial Alliance at 1-800-266-5667 or claims@ia.ca (be sure to note the policy number 119-3473).

Resources:

Staff Business Travel Accident Webinar Slides – Dec 2019

All Canadian employers are required to ensure their employees are safe, including while travelling for business. 

We do not know what Travel Health coverage, if any, an employee has personally.  We also don’t know if an employee’s personal Travel Health plan has a medical stability requirement. 

To protect against financial liability in the event of no coverage or medical stability issues, MSBA has arranged Out-of-Province/Canada Business Travel Health for eligible volunteers, school trustees and staff.  Underwritten by CHUBB, it provides emergency medical benefits for employees travelling on school business; for example, to attend conferences, meetings, and/or school sanctioned trips.

Additionally, to ensure adequate coverage is in place, all eligible staff/volunteers travelling as approved chaperones on school-sanctioned trips are also covered under this policy.

Features:

• Emergency medical coverage out-of-province/Canada for business travel only
• Employees and School Trip Chaperone Volunteers only (dependents are not included)
• No medical stability requirement if under age 70
• Between age 70 and 75 -  Medical Stability Clause (No coverage for costs incurred due to, contributed by or resulting from a medical condition or related condition that was not stable at any time during the 180 days immediately prior to the insured person’s departure.)
• The duration of each trip cannot exceed 90 consecutive days and total trip days cannot exceed 180 within one policy period (September 1st – August 31st)  
• Pregnancy complications are not covered after the 7th month
• Travel cards with carrier contact information will be made available to each School Division  for distribution
• $1,000,000 maximum with $100,000 for medical evacuation per trip

All School Divisions must participate:

• Enrolment and payment will be coordinated by HUB International.
• Annual minimum premium to retain coverage is:
  - Plan A - $2,500 per School Division when travel within Canada and Outside of Canada
  - Plan B - $500 per School Division when travel is within Canada only
• Travel days will be reconciled annually against the minimum premium; charges will be applied accordingly  based on the following rates: 
  - Plan A – Total Travel days of 471 days or less = $5.30 per person per day / Over 471 days = $2.50 per person per day
  - Plan B - $1.25 per person per day
  

Note: If you choose Plan B for within Canada travel only and then have a need for Out-of-Canada travel, you must contact HUB International (1-866-756-3281 or msbaschool@hubinternational.com) in advance of the travel to change your School Division’s coverage to Plan A and charges will be reconciled against the required $2,500 minimum premium and applicable daily rates. If you do not contact HUB International in advance of the travel, your staff/volunteer will not have coverage while outside of Canada.

The Insurance carrier requires that each School Division is required to track the travel days of all staff and approved chaperones using the tracking tool available on the MSBA portal.

Each School Division is required to track the travel days of all staff, trustees or approved chaperones and can be tracked in 1 of the following ways:

(1) Online Tracking -   tracking on a per trip basis for up to 10 staff/volunteers at once using the following link: https://www.surveymonkey.com/r/MSBABusinessTravel
Note: Should you have more than 10, you will need to complete two or more surveys.

(2) Excel Tracking Template – listed below under “Resources” 
Note: Spreadsheet to be maintained is required to be submitted on request to our Consultant.

Coverage and questions can be directed to:

Email: msbaschool@hubinternational.com

Phone: 1-877-201-6801

Resources:
Staff/School Trustees/Volunteer Business Travel Health Webinar Slides – Dec 2019
Business Travel Trip Duration Tracking Template
Letter to Staff and Volunteers – English
Letter to Staff and Volunteers – French (Coming Soon)

School/School Division Internal Bulletin :

• Students & Staff – Plan A – travel within Canada and Outside of Canada – English
• Students & Staff – Plan A – travel within Canada and Outside of Canada – French
• Students & Staff – Plan B – travel within Canada Only – English
• Students & Staff – Plan B – travel within Canada Only – French

Travel Health Coverage Overview:

• Plan A - travel within Canada and Outside of Canada – English
• Plan A - travel within Canada and Outside of Canada – French
• Plan B - travel within Canada Only – English
• Plan B - travel within Canada Only – French

Each school division maintains Universal Student Accident Insurance coverage, underwritten by Industrial Alliance, for all students attending a school within the division. The program provides basic accident and medical coverage while students attend school or participate in school-organized activities. It also extends to provide coverage to high school students enrolled in an approved course or class outside of school that qualifies for credit in Physical Education. This coverage does not extend to any other activities at times outside of school; i.e. not 24 hour coverage.

This program provides coverage for all full-time students registered in the participating School Divisions, while:

1. In school buildings or on premises by reason of attending classes on any regular school day;

2. In attendance at or participating in any school activity approved and supervised by a proper school authority;

3. Traveling directly to or from any regularly scheduled and approved school activity under the direction or supervision of a proper school authority;

4. Traveling directly to or from their residence and school for the purpose of attending classes or participating in any school sponsored activity;

5. Participating in physical activities taking place as part of the grades 9 to 12 Physical Education Curriculum as approved by proper school authority;

6. Engaged in the performance of the duties assigned to the Insured Person while he/she is participating in a school approved work experience program.

Aggregate Limit of Indemnity: $1,000,000 any one accident.

Note: Coverage is provided subject to the Terms and Conditions of master Policy number 100005613 on file with The Manitoba School Boards Association.

The Universal Student Accident Insurance Program complements but does not replace the Voluntary Student Accident Insurance coverage purchased by parents/guardians.

It is recommended that all parents/guardians consider purchasing Voluntary Student Accident Insurance, which provides 24-hour coverage for all accidents at home, school, sports, organized activities or play for the entire year.

Enrolment and payment continues to be coordinated by HUB International.

Coverage and questions can be directed to (note policy 100005613):

Email: solutions@ia.ca

Phone: 1-800-266-5667

Universal Student Accident Insurance - How to Claim

Industrial Alliance Insurance and Financial Service Inc. must be notified within 90 days of the date of the injury, regardless of whether expenses have been incurred. It is the entire responsibility of the parent or guardian to forward claim forms as indicated. If there is more than one insurance carrier (e.g. Parent’s Group Benefits Plan, Voluntary Student Accident Coverage, etc.), benefits are coordinated. Expenses are to be submitted to the other insurance carrier first; once the Explanation of Benefits is received, please forward it to this plan with copies of the expenses.

Visit the links below to print a claim form or call toll free 1-800-266-5667 or email claims@ia.ca to report a claim.

English Claim Form | French Claim Form

Submit the completed claim form by mail or email (Be sure to note/mention the policy number 100005613):

INDUSTRIAL ALLIANCE INSURANCE AND FINANCIAL SERVICES INC.
Claims Department
400 – 988 Broadway W, PO Box 5900 
Vancouver, BC, V6B 5H6 

claims@ia.ca

Resources:
Universal Student Accident Webinar Slides – Dec 2019
Coverage Highlight Document – English
Coverage Highlight Document – French (Coming Soon)
Detailed Coverage Summary – English
Detailed Coverage Summary – French

The Voluntary Student Accident Insurance underwritten by Old Republic Insurance Company of Canada provides enhanced coverage for accidents and offer benefits beyond what the student would have through either the Universal Student Accident Insurance held by the School Division or through a parent’s benefits plan through their employer. Coverage under the Voluntary Student Accident Plan includes disability, fractures, dislocations, accidental dental, ambulance, hospital and many other benefits.

To be eligible for this coverage, the student must be:

a) More than 6 months old; and

b) Less than 27 years of age; and

c) Live in Canada, except the province of Quebec

Note:

• If the student is 14 years old or more at any time during the Coverage Period, they must be a full-time student in the 12 months prior to a claim.  
  Full-time student is defined as being enrolled in a minimum of 3 courses at the same time during any 4-month period during the Coverage Period.
• Teachers and Non-Teaching Personnel are not eligible for coverage
• Children enrolled in different schools or school boards may be insured under one policy as a family
• For ages 21 or over, travel benefits are not available and some benefits are limited.

Please refer to the brochure provided from your child’s school in September or visit www.manitobastudentinsurance.ca for plan details and how to enroll your child(ren) in the Voluntary Student Accident Program. If you have any questions, please contact Old Republic Insurance Company of Canada at 1-800-463-5437.

Voluntary Student Accident Insurance - How to Claim
For policies purchased effective August 1, 2019 or later additional details are included in the following policy documents:

English Policy Documents | French Policy Documents

For policies purchased prior to September 1, 2019 please contact Old Republic Insurance Company of Canada at 1-800-463-5437 to confirm coverage provisions.

Old Republic Insurance Company of Canada must be notified within 60 days of any accident. Claim forms, along with the initial dental report or physician’s statement, must be submitted within 90 days of the date of the accident or date of death. It is the entire responsibility of the parent or guardian to forward claim forms as indicated.

Visit the following site to print a claim form or call toll free 1-800-463-5437 to report a claim.

English Claim Form | French Claim Form

Submit the completed claim form by mail 
Old Republic Insurance Company of Canada
Box 557, 100 King Street West
Hamilton, Ontario 
L8N 3K9

COVID-19 (Coronavirus) Resources

As this situation is continuously evolving, stay up-to-date by visiting the following on a regular basis:

• Manitoba Health
• Public Health Canada
• Government of Canada – Travel Advice and Advisories

Find additional resources through the HUB Coronavirus Resource Centre.

Student Trip Insurance Update:

Effective March 12, 2020, Old Republic Insurance Company of Canada, the insurance carrier of the MSBA Student Travel Insurance, advised that COVID-19 is now considered to be a known event. Therefore, trip cancellation, interruption and delay coverage will not be available for events related to COVID-19 for policies purchased or trip values increased on or after March 12. This exclusion applies to all trip destinations. Policies purchased and trip value increases prior to March 12 are not impacted by this notice.  To review the formal notice with additional details please click here.

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The MSBA has arranged for travel insurance to cover eligible Students and Approved Chaperones travelling outside of Manitoba on School Division sanctioned trips/activities. Students purchase the insurance.  Approved Chaperones are covered without cost under the MSBA Staff/Volunteer Out-of-Province Business Travel Health plan.

Students
Any student travelling outside of Manitoba on a School Division sanctioned trip/activity is required to purchase travel insurance through the MSBA Student Travel Insurance plan, unless duplicate insurance coverage as specified below is in place elsewhere. 

Coverage must be purchased by each student individually online.  Group application/purchase can also be accommodated online in batches up to nine students. Coverage can be purchased through the following link: www.manitobastudentinsurance.ca.

If the student has duplicate coverage, written proof that the coverage is for both emergency medical expenses must be provided.  Note that the School/School Division is not responsible for determining the adequacy of the student’s coverage, only confirming the student has travel emergency medical coverage. It is the student’s responsibility to ensure they have adequate coverage to meet their needs. Should the student declare duplicate coverage, MSBA and the School/School Division are not responsible for any claim incidents. Note: a copy of the travel card with emergency contact information must be obtained by the trip organizer in the event there is a medical emergency, this can be tracked using the School Trip Travel Insurance Tracking Template provided under “Resources” below.

To be eligible for coverage under the MSBA Student Travel Insurance plans, students must:

• Be a Resident of Canada under 30 years of age
• Be insured under a provincial government health plan
• Be a student in full-time attendance in a School Division under the MSBA

If the student does not meet all of the above criteria coverage cannot be purchased under the MSBA plans.  The student should be directed to contact HUB International at 1-866-756-3281 to investigate coverage options better suited to their situation.

Three coverage options, underwritten by Old Republic Insurance Company of Canada, are available under the MSBA Student Travel plan:

• Option 1 - Ultimate Premier Travel Insurance including Trip Cancellation– for travel to non USA destinations  (Includes up to 48 hours coverage in the USA if travelling through the USA enroute to the final destination)
• Option 2 - Ultimate Premier Travel Insurance with Trip Cancellation– for travel to the USA
• Option 3 - Emergency Medical Travel Insurance (no Trip Cancellation)

Note:

Coverage under the plans must be purchased prior to departure on the trip/activity. 

Plans that cover trip cancellation must be purchased within 48 hours of any non-refundable deposit.

All plans contain a pre-existing conditions exclusion.  Medical conditions that are not stable and controlled in the 60 days prior to departure on the trip will not be covered.  Students/parents should read the policy wording carefully to understand the coverage and ensure the stability requirements are met.

Immediately after purchasing the coverage, students will receive an email confirming the purchase and providing a printable Confirmation of Coverage, along with a policy brochure.  The policy brochure contains the complete policy language including full details on the policy benefits, terms and conditions, limitations and exclusions.  

Students should bring the Confirmation of Coverage as well as the policy brochure on the trip.

If a student requires medical treatment or needs assistance during a covered trip the travel assistance company must be contacted prior to receiving treatment.  Emergency contact numbers are indicated in the Confirmation of Coverage.

For plan details and to purchase Student Travel Insurance visit www.manitobastudentinsurance.ca. If you have any questions, contact Old Republic Insurance Company of Canada at 1-866-302-4430. 

Approved Chaperones
An Approved Chaperone accompanying students on a School Division sanctioned trip outside of Manitoba is covered through the MSBA Staff/Volunteer Out-of-Province Business Travel Health Plan, underwritten by CHUBB Life Insurance Company of Canada.

Approved Chaperones are determined by the school. 

The Travel Health coverage for Approved Chaperones (Staff or Volunteers) under age 75 includes:

• Emergency Medical coverage of up to $1,000,000 
•  Medical Evacuation of up to $100,000
• Under Age 70 - No medical stability requirement
• Between age 70 and 75 -  Medical Stability Clause (No coverage for costs incurred due to, contributed by or resulting from a medical condition or related condition that was not stable at any time during the 180 days immediately prior to the insured person’s departure.) 
• The duration of each trip cannot exceed 90 consecutive days and total trip days cannot exceed 180 within one policy period (September 1st – August 31st)
• Pregnancy complications are not covered after the 7th month

Please refer to the Staff/Volunteer Business Travel Health for details and admin process.

Spectators
Volunteers/spectators who are not approved chaperones are not eligible for any coverage under the MSBA plans.  These individuals must purchase their own insurance.  For coverage options and costs they can be directed to contact HUB International at 1-866-756-3281, or talk to their insurance provider.

How to Claim:
Please refer to the policy document provided from the insurance carriers for contact information in the event of an emergency during the trip.

Coverage and questions can be directed to:

Email: traveladmin@getreliable.com

Phone: 1-866-302-4430 (Mon - Fri, 8:30am - 8:00pm ET)

Resources:
School Trips – Student Travel Insurance Webinar Slides – Dec 2019
Student/Parent Letter – English
Student/Parent Letter – French
Trip Organizer Letter – English
Trip Organizer Letter – French
Approved Chaperone Letter – English
Approved Chaperone Letter – French (Coming soon)
School Trip Travel Insurance Tracking Template

The Manitoba School Boards Association has arranged for the availability of Guard.me Global, a comprehensive health insurance plan for Canadian Students who are enrolled and actively attending school outside of Canada. The plan offers comprehensive medical coverage and includes inpatient/outpatient, emergency, prescription drug, and repatriation, along with other essential non-medical benefits. The plan also includes $1 million Third Party Liability and Keep Me Safe (student assistance plan).

Enrolment Options:

Batch Enrolment

- Students enrolled as a group and premiums paid by School Division

- Batch Enrolment Spreadsheet and Payment Instructions

Student Individual Enrolment

- Students enroll individually and pay directly to Guard.me

- www.guard.me/msba

Coverage and questions can be directed to:

Email: admin@guard.me

Phone: 1-877-873-8447

Resources:

International Student & Canadian Students Studying Abroad Webinar Slides – Dec 2019

Guard.me Global - Plan Summary - English

Guard.me Global - Plan Summary – French (Coming Soon)

Keep Me Safe - Student Assistance Program - English

Keep Me Safe - Student Assistance Program – French (Coming Soon)

How to Submit a Claim:

- Online

- Report a claim - (905) 752-6200 or Toll Free: 1-877-873-8447 and select Option 2 or claims@guard.me

- Emergency contact - 1-888-756-8428 (Toll-Free North America) or 1-905-731-8291 (Collect)

The Manitoba School Boards Association has arranged for the availability of Guard.me @ School, a comprehensive health insurance plan for International Students who are enrolled and actively attending school in a Manitoba School Division. The plan offers comprehensive medical coverage and includes inpatient/outpatient, emergency, prescription drug and repatriation, along with other essential non-medical benefits. The plan also includes coverage for Third Party Liability, Alcohol/Drug Waiver and Keep Me Safe (student assistance plan).

Enrolment Options:

Batch Enrolment

- Students enrolled as a group and premiums paid by School Division

- Batch Enrolment Spreadsheet and Payment Instructions

Student Individual Enrolment

- Students enroll individually and pay directly to Guard.me

- www.guard.me/msba

Coverage and questions can be directed to:

Email: admin@guard.me

Phone: 1-877-873-8447

Resources:

International Student & Canadian Students Studying Abroad Webinar Slides – Dec 2019

Guard.me @ School - Plan Summary - English

Guard.me @ School - Plan Summary – French (Coming Soon)

Keep Me Safe - Student Assistance Program - English

Keep Me Safe - Student Assistance Program – French (Coming Soon)

How to Submit a Claim:

- Online

- Report a claim – 1-905-752-6200 or Toll Free: 1-877-873-8447 and select Option 2 or claims@guard.me

 - Emergency contact - 1-888-756-8428 (Toll-Free North America) or 1-905-731-8291 (Collect)