Important Tips for Requesting Coverage

Here are some of our most 'Frequently Asked Questions'  We hope they will help to answer some questions that may come up in your office.  If you don't find what you need here, you can call our office at 1-800-849-4820 between 8:30 AM and 5:00 PM to speak with one of our service professionals.  

"Serving Those Who Serve Others"
...It's not just our motto, it's our business.  

Q:   What is the #1 method for submitting forms?

 A:  Old reliable postal mail by far!  By submitting early policyholders have their confirmation of coverage card before their activity begins.

Q: I’m leaving the next day…what should I do??!!??

 A:  A good rule of thumb: over 24-hours before you leave-mail it…under 24 hours-fax your request.

Q:  I faxed my form, should I also mail the hardcopy?

 A:  NO!!!! Your faxed copy serves as our original.  Keep the hardcopy for your records noting when the information was faxed.

Q:  May I phone in my request?

 A:  If your standing at the campground surrounded by kids and have no access to a fax machine and realize you forget to mail your form…than yes you may phone in your request.

Q:  Which is processed more quickly, mail or faxes?

 A:  Mail.  Especially during the busy summer months it may be 24 hours before a fax reaches an underwriters desk.  Contrast that with mail which is processed first thing in the morning and forwarded to the appropriate department  in one to two hours.

Q:  So…mailing early eliminates headaches?

 A:  Absolutely!  Quicker processing time enables us to identify problems early and call you with any questions before your activity begins.  You’ll also receive your confirmation of coverage card in 3 to 5 working days.  Remember…faxing creates more paper and more waste.

Q:  DO ALL PARTICIPANTS NEED TO BE INCLUDED IN THE INSURANCE?

 A:  Yes. Coverage may not be offered on an individual or optional basis.  Primary coverage provided by our plans pay first regardless of other insurance. Even individuals with personal insurance are faced with deductibles, co-payment requirements, and coverage limitations.

Q:  WHEN DO I SEND MY PREMIUM PAYMENT?

 A:  Payment is made at the conclusion of your event and based on actual attendance.  It is important to include the matching remittance section with your premium payment.  Also be sure your check is not less than the minimum premium of $4.00. 

Q:  WHAT TO I DO IF THE EVENT IS CANCELLED?

A:  No premium is due when the activity is not held.  Please mail us the remittance noting that the event has been cancelled.

Q:  ARE THERE ANY AGE RESTRICTIONS?

 A:  We do not wish to insure young people under age 5 for any activity.  When working with 5 to 7 year olds we strongly encourage that your programs be age appropriate and in compliance with your state’s rules, regulations and guidelines.

Q:  WHAT ABOUT WINTER SPORTS?

 A:  Downhill activities are not covered under the "Dollar-a Year" club policy.  Limited benefits are provided under Special Activities coverage.  Specifically,  these activities are:   downhill skiing, tobogganing, sledding or tubing.  Full coverage applies to cross country skiing, ice-skating, snow shoeing, dog sledding, and winter camping.

Q:  WHEN DOES COVERAGE BEGIN  FOR A PARTICULAR ACTIVITY?

 A:  Participants are covered during travel time to and from the activity.  Coverage only applies to UNINTERRUPTED travel time.  (Travel coverage would end while a participant stops to visit a friend or to run an errand.)  Coverage begins again when they arrive at the activity. 

Q:  when does coverage end?

   "Serving Those Who Serve Others"