Manitoba School Boards Association

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.

Under the Universal Student Accident Insurance, full-time equivalent students have coverage in the event of an accident. Please note, students must have Manitoba Health or provincial healthcare replacement coverage to be eligible under this plan. There is accident coverage under the scenarios in points 3 and 4 listed above in regards to travelling to and from an approved school activity.

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. MSIP policy wordings are available upon request.

Coverage and questions can be directed to (note policy 100005613):
Email: [email protected]
Phone: 1-800-266-5667

Provincial Health Coverage

*Valid Health Card from a Canadian Province or Territory

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 [email protected] 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 
[email protected]

Resources:
Parent Portal Student Accident Letter – English
Parent Portal Student Accident Letter – French 
Coverage Highlight Document – English
Coverage Highlight Document – French
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.

Coverage details are included in the following policy documents:

English Policy Documents | French Policy Documents

Provincial Health Coverage 

*Valid Health Card from a Canadian Province or Territory

Voluntary Student Accident Insurance - How to Claim
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

Resources:
Parent Portal Student Accident Letter – English
Parent Portal Student Accident Letter – French
Voluntary Student Accident Brochure – English
Voluntary Student Accident Brochure – French

All Volunteers who are under age 80 of schools or School Divisions. Volunteers who are employed as teachers of schools or School Divisions are excluded under this policy. 

In the event of an accident that causes unexpected bodily harm, there is a loss schedule which includes, but not limited to, the following:

This insurance is second payer meaning expenses are to first be submitted to other insurance plans the volunteer may have.

To start the claim process, please use policy number GIS10027 to complete a Notice of Claim form and send it to Wawanesa Life at [email protected].

English Claim Form

MSBA Student Travel Health is mandatory for all out-of-province and out-of-country school trips. 

The following School Divisions have elected to join the Universal Student Travel Health plan for the period of September 1, 2025 to August 31, 2026: 

Beautiful Plains School Division
Brandon School Division
Evergreen School Division
Flin Flon School Division
Fort La Bosse School Division
Division Scolaire Franco-Manitobaine
Frontier School Division
Interlake School Division
Kelsey School Division
Lord Selkirk School Division
Louis Riel School Division
School District of Mystery Lake
Park West School Division 
Pembina Trails School Division
Pine Creek School Division 
Prairie Rose School Division
River East School Division
Rolling River School Division
St. James-Assiniboia School Division
Seven Oaks School Division
Southwest Horizon School Division
Sunrise School Division
Turtle River School Division
School District of Whiteshell
Western School Division
Winnipeg School Division

If you are in one of the above listed School Divisions, Student Travel Health with Trip Cancellation/Interruption has been secured for the entire school year through the Universal Student Travel Health plan. 

If your student is in a School Division not listed above, Travel Insurance will be need to be purchased on a per trip basis, please contact your Trip Organizer for details.

IMPORTANT: Be sure to check the Government of Canada’s Travel Advisory site, including for COVID-19 restrictions when booking trip, prior to purchasing insurance, and prior to departure.

Student Travel Health Insurance - How to Claim
In the event of hospitalization or medical emergency, call TuGo immediately at the numbers listed on the Student Travel Wallet Card.

Visit the following site to print a claim form: https://www.tugo.com/en/claims/

All traveling students must have a valid Health Care from a Canadian Province or Territory OR a private provincial health replacement plan for the full duration of the trip. No Exceptions.

An Approved Volunteer/Chaperone accompanying students on a School Division sanctioned trip outside of Manitoba is covered through the MSBA Staff/School Trustees/Volunteer Business Travel Health Plan, underwritten by iA Special Markets.
Approved Volunteers/Chaperones are determined by the school. 

Features Include:

• Emergency medical coverage out-of-province/Canada for business travel only
• Employees and School Trip Chaperone Volunteers only (dependents are not included)
• Coverage for individuals under age 75
• No medical stability requirement
• 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
• Per trip limitation is a maximum of 120 consecutive days per person

If you are an Approved Volunteer/Chaperone for an upcoming school trip, please contact the Trip Organizer for the Approved Volunteer/Chaperone Travel Health Insurance documents.

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.

While Trip Cancellation/Interruption is not mandatory it is recommended as in the event of a Cancellation, Trip Interruption/Delay or loss of baggage, you will be covered for costs incurred.*

*Subject to policy limits, please refer to the policy for details. 

The following School Divisions have elected to join the Universal Student Travel Health plan for the period of September 1, 2025 to August 31, 2026: 

Beautiful Plains School Division
Brandon School Division
Evergreen School Division
Flin Flon School Division
Fort La Bosse School Division
Division Scolaire Franco-Manitobaine
Frontier School Division
Interlake School Division
Kelsey School Division
Lord Selkirk School Division
Louis Riel School Division
School District of Mystery Lake
Park West School Division 
Pembina Trails School Division
Pine Creek School Division 
Prairie Rose School Division
River East School Division
Rolling River School Division
St. James-Assiniboia School Division
Seven Oaks School Division
Southwest Horizon School Division
Sunrise School Division
Turtle River School Division
School District of Whiteshell
Western School Division
Winnipeg School Division

If you are in one of the above listed School Divisions, Staff/School Trustee Volunteer Trip Cancellation/Interruption Insurance has been secured for the entire school year through the Universal Student Travel Health plan:

If you are in a School Division not listed above, Staff/School Trustee Volunteer Trip Interruption/Cancellation Insurance will be need to be purchased on a per trip basis, please contact your Trip Organizer for details.