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American Income Life Group Activity Insurance

When it comes to insuring educational student tours, talk to the youth group specialists – American Income Life’s Special Risk Division. We have customizable plans that cover almost any educational student tour. For more than 50 years we have provided insurance coverage for student and youth programs.

AIL Special Risk insurance coverage is a low cost service and easy to administrate. No names are required, just numbers and dates. It also helps promote a trusting relationship between the student or youth program and the parents. Anyone would appreciate avoiding out-of-pocket medical expenses, which can easily exceed the cost of participating in a tour. Not leaving families with large medical bills could potentially avoid a nuisance lawsuit. The Special Risk Division of American Income Life gives prompt payment of claims to promote your commitment to health and safety.


Policy Features

  • Coverage starts at as little as 24 cents per person, per day
  • 24/7 accident and illness insurance while policy is in force
  • Volunteer and chaperone coverage
  • Primary, no-deductible coverage
  • Provides accident and illness coverage (see Plan Rates table)
  • Includes incurred medical and surgical treatment, X-rays, hospital confinement, and ambulance expense up to the maximum amount
  • Covers loss of limbs up to a set amount
  • Covers dental services incurred within 52 weeks of the accident
  • Covers medical and hospital expense (up to the maximum amount) for approved illness that manifests while this policy is in force
  • Provides a benefit if death occurs as a result of an accident within 100 days of the accident

View Plan Rates

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Descriptions above are summaries and provide very brief descriptions and are not an insurance contract. Product availability varies by state and some products are not available in all areas. Complete details of the benefits, terms, conditions and exclusions of specific policies and availability should be obtained from the the Special Risk Division of American Income Life.


Student Coverage During Travel

The following examples are actual claims which have been paid by American Income Life’s Special Risk Division.

A 13-year-old middle school student was in Pennsylvania on a field trip.  While exiting a building, she fell and hit her head.  She was taken to a local hospital where X-rays found she had suffered a concussion. The tour company’s AIL policy helped pay for X-ray services, emergency room fees, and physicians who provided treatment at the hospital.
A 16-year-old high school student was swimming in the ocean while on a tour, and was bitten by a barracuda.  An ambulance was called and the student was transported to a nearby medical facility.  AIL covered all charges related to the accident.