The Manitoba School Boards Association and the School Division recommends all parents consider Old Republic Insurance Company of Canada’s Student Accident Insurance, which provides 24 hour coverage for all accidents at school, home or play.

The Student Accident Insurance Program provides coverage for medical, dental, disability or accidental death and dismemberment as a result of an accident. Protection is also provided for dental damage due to an accident, fracture benefits, and other important coverages, which are not Government Insurable Health Services.

Some parents/guardians may participate in an Employee Benefits and Group Dental Plan, but many of these plans are limited in areas. We ask that you compare them to make sure you have the coverage you require.

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Who is Eligible


Students attending Manitoban schools can apply, as an individual or as part of a family plan, in any one of the plans offered on the application form. If you have students enrolled in different schools or school boards, they may all be insured under this plan.


3.University and college students

University/College students are able to apply for any of the 3 available plans effective September 2017.

2.Day Care, Nursery and Pre-Schoolers

Children attending a LICENSED day care, nursery or pre-school may apply, as an individual or as part of a family plan, in any one of the plans offered on the application form.


4.Mature Students

Mature students can apply for any of the available plans, however once an applicant reaches 27 years of age they are no long eligible.

* Teachers and Non-Teaching Personnel are not eligible for coverage.

Policy and Plan Information

Super Plan Plus
Super Plan
 Coverage Term
 Full Full Full
Accidental Death Benefit
$30,000 $20,000 $15,000
Dismemberment or Loss of Use
$150,000  $150,000  $75,000
Total and Permanent Disability
 $350,000 $150,000 $75,000
Dental Limit per Tooth for 10 Years
 Unlimited Unlimited Unlimited
Dental Limit per Tooth After 10 Years
 $1,650 $1,400 $1,250


*Coverage Term means all accidents, 24 hours per day, every day during the full policy term. 1-Year Plans expire September 30, 2019.

*Only one of ‘Total and Permanent Disability’ and ‘Dismemberment or Loss of Use’ is payable per child in the event of an accident.

Policy Wordings



Premium Prices

Annual Premium Prices
Super Plan Plus
Super Plan
One Student
$42.00 $32.00 $17.00
Two Student
$84.00 $64.00 $34.00
Three or More Student
$116.00 $88.00 $47.00

*Three or more students from the same family. For ages 21 or over, some benefits are limited.

Frequently Asked Questions

1. How long does this coverage last?

Coverage commences the day the application is received by Western Financial Group Insurance Solutions and continues to September 30, 2019.

2. Is my child covered for sports/field trips?

Yes. The student is covered 24 hours a day, 7 days a week no matter if he/she is playing hockey or watching TV.

3. Which is the best coverage?

We recommend the Super Plan Plus, as it offers the highest benefit limits such as $350,000 in Total and Permanent Disability, $30,000 Accidental Death Benefit, Out-Of-Province Sickness & Accident Emergency Medical up to $200,000, and Future Dental After 10 years of $1,650 Per Tooth.

4. Which is the most common plan people get?

Our most common plan is the Super Plan Plus.

5. If I don’t want to apply online, where should I send my application to?

The application is sent to Western Financial Group Insurance Solutions for processing at:

Western Financial Group Insurance Solutions
Student Accident Insurance
201-600 Empress Street
Winnipeg, MB  R3G 0R5

Phone: 1-800-665-8990

6. Can a university student and grade student be under the same plan?

Yes. They can use one application. The maximum age limit is 26.

7. Will the plan cover my child’s eyeglasses if they break?

Yes, provided that the student’s glasses break as a result of an injury as defined in the policy and that injury results in the student requiring and receiving medical attention from a physician.

8. How and when should an accident be reported?

An accident must be reported within 60 days of the accident. Individuals can call Old Republic Insurance Company of Canada at 1-800-463-5437. The accident report can be done on the phone. Old Republic Insurance Company of Canada handles all claims.

9. Coordination of benefits? Who pays first?

Coverage under this policy is secondary to all government, group and private medical plans. Benefits under this policy are payable after exhausting any other coverages with any other insurance company.

10. If a child is being home-schooled, can they be covered under the Student Accident Program?


11. Once premium payment is made, does Group Insurance Solutions send a policy with a confirmation of coverage?

Old Republic Insurance Company of Canada will send you a Confirmation of Coverage and a Policy brochure via email or mail as specified by you.

Claims Reporting

Old Republic Insurance Company of Canada must be notified within 30 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.

Print and complete the required Claim form
Submit Completed claim form to:

Old Republic Insurance Company of Canada
Student Insurance Claims Department
P.O. Box 557
Hamilton, Ontario L8N 3K9