The fine print on most Sports Accident Insurance policies state that any losses, costs, expenses or treatments must be incurred within 52 weeks of the date of the accident. Parents should be aware that the treatment of some injuries can take years. Specifically for dental (orthodentics) work, often it can’t be completed until a child’s mouth has fully developed.

Parents whose children are involved in school and/or community sport should consider Student Accident Insurance as offered through the Edmonton Public and Catholic School Boards. More information is available by visiting IAP Kids Plus Accident Insurance.

For approximately $35 per year, children and youth who enjoy sport can be protected 24/7, 365 days a year (while most Sport Accident Insurance policies limit their coverage to competition, practices and travel). For dental treatment, these plans specifically provide payment for up to seven years or until age 26 if required for the complete development of the mouth. What’s more, for about $30 per year, parents and other immediate family members under age nineteen can also be protected. These insurance plans supplement other insurance and can include Emergency Out-Of-Province/Country travel.