Girl Scout Activity Insurance
Mutual of Omaha Insurance - Girl Scout Coverage Overview | View Here
Every registered Girl Scout and registered volunteer member in the
Girl Scout movement is automatically covered under the basic Mutual of
Omaha Activity Insurance plan upon registration. The premium for the
Basic Plan, which provides supplemental medical insurance is paid for
in full by Girl Scouts of the USA.
This insurance provides up to a specified maximum for medical
expenses incurred as a result of an accident while a member is
participating in an approved, supervised Girl Scout activity.
This is one reason why all volunteers and girls should be registered
members. It is important to remember that non-registered parents,
tagalongs (brothers, sisters and friends) and other persons are
not covered by the basic plan.
A Tagalong is any person not registered with the troop that is
actively participating in an activity or event. A Tagalong is not just
a younger brother or sister attending a troop meeting or going along
on a Girl Scout outing or activity, they may also be a registered Girl
Scout who is attending a meeting or event not designed for her age
group, unless working in a leadership capacity.
distract girls from their planned activities and distract the
co-leaders from providing proper supervision of girls. Decisions as to
how to handle this situation should be discussed by the leadership team.
This insurance coverage is not intended to diminish the need
for, or replace existing, family health insurance. When $130 in
benefits has been paid under this plan for covered expenses, any
subsequent benefits from the basic plan will be payable (up to the
specified maximum) only for expenses incurred that aren’t covered
under another insurance policy. If there is no family insurance or
healthcare program, a specified maximum of medical benefits is
available under the basic plan.
An optional Activity Insurance plan is available for Girl Scouts
taking extended trips (trips that are more than two overnight stays)
and for non-members who participate in Girl Scout activities. These
optional plans are secondary insurance that a council may offer to
cover participants taking part in any council-approved,
supervised Girl Scout activity. Contact your council to find out how
to apply. In some cases, your council may make this insurance
mandatory, particularly for overseas travel.
All requests for additional
Activity Insurance must be submitted at least
two weeks prior to the activity or event.
the enrollment form
along with payment to your membership experience
specialist for processing.
Enrollment forms submitted
less than two weeks before an event or activity may
jeopardize the purchase of additional Activity Insurance. To ensure
for the safety of all participants, adhere to submission
To obtain additional Activity Insurance coverage for
contact your membership experience specialist for enrollment and/or
submission and instructions.
In the event that you or one of the
girls in your troop/group is injured, treatment must occur within
thirty days after the accident. For information on how to file a claim
please contact your membership experience specialist.
In case of an accident, the Mutual
of Omaha, Girl Scouts of the U.S.A. Claim Form must be completed
at the time of accident (minor or major) and signed by an adult
(either the injured party or the parent/guardian of the injured girl).
Fill out the form for all accidents, even if minor. The Mutual of
Omaha Claim form can be found on our website at gsofct.org under Forms.
Do not mail the claim form directly to Mutual of Omaha. Return
a completed claim form along with the Accident/Injury
Report to the Hartford Service Center
within 24 hours, if possible.
Steps for Requesting Additional Activity Insurance: Plan
required when ANY person – girl,
sibling, adult, or anyone who is
not currently registered as a
Girl Scout member, will participate in a meeting, on a trip, or
other Girl Scout gathering.
If an adult will participate other than a visiting speaker or
presenter or audience member, or unregistered children (siblings or
friends) will participate in any way other than as an audience member,
the additional insurance is required. This insurance is reasonably
priced, and the process is easy.
- Complete the Mutual of Omaha
Enrollment Form - Plan 2 form on our website Forms page.
- Please complete the
Name and Location of the Event/Trip. In order to
ensure the site is covered, please provide the address of where
the event/trip will be.
- Bowling Event,
12 Girl Scout Way,
National Portfolio, GSUSA
Beginning Date and
Ending Date of the event/trip
Number of Participants
- This number reflects the number of unregistered
participants attending an event/trip
- If the
event/trip is more than three days, all participants
registered and unregistered must be included.
Number of Days the event/trip will last
Number of Participant Days (Multiply columns 1 x
2 of form)
Premium Each Day – this is pre-established by
Mutual of Omaha
Total Premium due (Multiply columns 3 x 4 of
Verification of information . Signature is
required verifying information is true and correct.
- Submit the completed form along with banking information for
the required premium
two weeks prior to the event/trip. Up to five
events/trips can be listed on each form.
Please Note: There is a minimum premium of $5.00
per enrollment form. Enrollment forms submitted with less than
the required $5.00 will be returned unprocessed.
- If for any reason the event/trip is rescheduled
please submit a new enrollment form and payment for the new
Please Note: To obtain additional
Activity Insurance coverage for extended trips
lasting more than three days
and two consecutive nights , contact your
membership experience specialist for enrollment and/or
take the time to become familiar with the council instructions
before requesting additional insurance.
Omaha Enrollment Forms
may not be
sent directly to the insurance company. Those sent directly to
Mutual of Omaha will be returned
unprocessed and therefore delay obtaining additional
Someone Needs Emergency Care
As you know, emergencies can happen. Girls need to receive proper
instruction in how to care for themselves and others in emergencies.
They also need to learn the importance of reporting to volunteers any
accidents, illnesses or unusual behaviors during Girl Scout
activities. You can help girls by keeping in mind the following:
Know what to report. See the “What to Do If There is an
Accident” section earlier in this chapter.
Establish and practice procedures for weather emergencies.
Know the type of extreme weather to expect in your area (e.g.
tornadoes, hurricanes and lightning). Please consult with your
council for the most relevant information for you to share with
Establish and practice procedures for such circumstances as fire
evacuation, lost persons and building-security issues. Every
girl and adult volunteer must know how to act in these situations.
For example, you and the girls, with the help of a fire department
representative, should design a fire evacuation plan for meeting
places used by the group.
Assemble a well-stocked first aid kit that is always
accessible. First aid administered in the first few minutes can
make a significant difference in the severity of an injury. In an
emergency, secure professional medical assistance as soon as
possible, normally by calling 911, and then administer first aid, if
Emergencies require prompt action and
quick judgment. For many activities, Girl Scouts recommends that at
least one adult volunteer be first aid/CPR-certified. For that reason,
if you have the opportunity to get trained in council-approved first
aid/CPR, do it! You can take advantage of first aid/CPR training
offered by chapters of the American Red Cross, National Safety
Council, EMP America, American Heart Association or other sponsoring
organizations approved by your council. As a partner of GSUSA,
American Red Cross offers discounts on certification courses.
Caution: First aid/CPR training that is available
entirely online does not satisfy Girl Scouts’ requirements. Such
courses do not offer enough opportunities to practice and receive
feedback on your technique. If you’re taking a course not offered by
one of the organizations listed in the previous paragraph, or any
course that has online components, get approval from your support team
or council prior to enrolling in the course.
A first aider is an adult volunteer who has
taken Girl Scout-approved first aid and CPR training that includes
specific instructions for child CPR. If, through the American Red
Cross, National Safety Council, EMP America, or American Heart
Association, you have a chance to be fully trained in first aid and
CPR, doing so may make your activity planning go a little more smoothly.
considered a certified first aider with Girl Scouts of Connecticut,
the adult volunteer must hold current certifications in First Aid,
CPR/AED for both children and adults. Your troop/group first
aider must also be an
Safety Activity Checkpoints always tell
you when a first aider needs to be present. Since activities can take
place in a variety of locations, the presence of a first aider and the
qualifications they need to have are based on the remoteness of the
activity. For example, if you take a two-mile hike in an area that has
cell phone reception and service along the entire route and EMS
(Emergency Medical Services) is no more than 30-minutes away at all
times the first aider will not need to have knowledge of wilderness
first aid. If, on the other hand, you take the same two-mile hike in a
more remote area with no cell phone service and where EMS is more than
30 minutes away, the first aider must have knowledge of wilderness
first aid (see the chart below).
Access to EMS
Minimum Level of First Aid Required
Less than 30 minutes
More than 30 minutes
|Wilderness First Aid (WFA) or
Wilderness First Responder (WFR)* |
*Although a WFR is not required, it is strongly recommended when
traveling with groups in areas that are greater than 30 minutes from EMS.
It is important to understand the differences between a first aid
course, and a wilderness-rated course. Although standard first aid
training provides basic incident response, wilderness-rated courses
include training on remote-assessment skills, as well as emergency
first-aid response, including evacuation techniques, to use when EMS
is not readily available.
Note: The presence of a first aider is required at
resident camp. For large events—200 people or more—there should be one
first aider for every 200 participants. The following healthcare
providers may also serve as first aiders: physician; physician’s
assistant; nurse practitioner; registered nurse; licensed practical
nurse; paramedic; military medic; and emergency medical technician.
First Aid Kit
Make sure a general first aid kit is
available at your group meeting place and accompanies girls on any
activity (including transportation to and from the activity). Please
be aware that you may need to provide this kit if one is not available
at your meeting place. You can purchase a Girl Scout first aid kit,
you can buy a commercial kit, or you and the girls can assemble a kit
yourselves. The Red Cross offers a list of potential items in its Anatomy
of a First Aid Kit (note
that the Red Cross’s suggested list includes aspirin, which you will
not be at liberty to give to girls without direct parent/guardian
permission). You can also customize a kit to cover your specific
needs, including flares, treatments for frostbite or snake bites,
and the like.
In addition to standard materials, all kits should contain your
council and emergency telephone numbers (which you can get from your
council contact). Girl Scout activity insurance forms, parent consent
forms and health histories may also be included.
Following the Girl Scouts Safety Guidelines
Every adult in Girl
Scouting is responsible for the physical and emotional safety of
girls, and we all demonstrate that by agreeing to follow these
guidelines at all times.
Follow the Safety Activity Checkpoints. Instructions for
staying safe while participating in activities are detailed in the
Safety Activity Checkpoints, available from your council. Read the
checkpoints, follow them, and share them with other volunteers,
parents, and girls before engaging in activities with girls.
Arrange for proper adult supervision of girls. Your group
must have at least two unrelated, approved adult volunteers present
at all times, plus additional adult volunteers as necessary,
depending on the size of the group and the ages and abilities of
girls. Adult volunteers must be at least 18 years old (or the age of
majority defined by the state, if it is older than 18) and must be
screened by your council before volunteering. One lead volunteer in
every group must be female.
- Girl Scouts of Connecticut
defines a troop as consisting of at least five girls from more
than one family.
- In order to ensure all girls have an
opportunity to participate in Girl Scouting, GSOFCT recommends
all troops/groups with less than ten girls remain open to
- Two non-related adults, one of which is
female, must be present at all times and all volunteers in the
role of co-leader should have successfully completed the
Volunteer Onboarding process, Background Screening, and Core
Leadership training requirements.
Get parent/guardian permission. When an activity takes place
that is outside the normal time and place, or a topic is discussed
that could be considered sensitive, advise each parent/guardian of
the details of the activity and obtain permission for girls to
Report abuse. Sexual advances, improper touching, and sexual
activity of any kind with girl members are forbidden. Physical,
verbal, and emotional abuse of girls is also forbidden. Follow your
council’s guidelines for reporting concerns about abuse or neglect
that may be occurring inside or outside of Girl Scouting.
is GSOFCT’s expectation that all staff and volunteers follow the
state of Connecticut’s Child Abuse Reporting Laws (
- Should reporting circumstances arise, we ask that you
also make GSOFCT aware of your reporting.
Call (800) 922-2770 and ask to be connected to
either the deputy chief mission delivery officer or the director
of girl experience
Be prepared for emergencies. Work with girls and other
volunteers to establish and practice procedures for emergencies
related to weather, fire, lost girls/volunteers, and site security.
Always keep handy a well-stocked first aid kit, girl health
histories, and contact information for girls’ families.
Travel safely. When transporting girls to planned Girl Scout
field trips and other activities that are outside the normal time
and place, every driver must be an approved adult volunteer, over
the age of 21, and have a good driving record, a valid license, and
a registered/insured vehicle. Insist that everyone is in a legal
seat and wears her seat belt at all times, and adhere to state laws
regarding booster seats and requirements for children in rear seats
Ensure safe overnight outings. Prepare girls to be away from
home by involving them in planning, so they know what to expect.
Avoid having men sleep in the same space as girls and women. During
family or parent-daughter overnights, one family unit may sleep in
the same sleeping quarters in program areas. When parents are
staffing events, daughters should remain in quarters with other
girls rather than in staff areas.
- Girl Scouts of Connecticut
requires that separate provisions are made for any men attending
Girl Scout activities.
- Separate bathroom and sleeping
quarters are required. In situations where spouses are
attending, separate sleeping arrangements also apply. Ensure
designated areas are properly signed and the girls respect these areas
- Adult males do not supervise sleeping
Bed Space Guidelines:
has her own bed or sleeping space. Parent/guardian
permission must be obtained if girls are to share a double
bed, such as in the case of staying in a hotel. It is
required that girls sharing a bed use sleeping bags or
alternate under-over the linens.
No adult may sleep
alone in a room or in the same bed with a girl; the
exception being mothers/female guardians and
daughters/wards. In the event that a Girl Scout troop/group
is using a facility that does not lend itself to this
practice, a minimum of two adults per sleeping area must
occur and safety girl/adult ratios must be maintained. When
using hotel rooms, safety girl/adult ratios must also be
Role-model the right behavior. Never use illegal drugs. Don’t
consume alcohol, smoke, or use foul language in the presence of
girls. Do not carry ammunition or firearms in the presence of girls
unless given special permission by your council for group
Create an emotionally safe space. Adults and volunteers are
responsible for making Girl Scouting a place where girls are as safe
emotionally as they are physically. Protect the emotional safety of
girls by creating a team agreement and coaching girls to honor it.
Agreements typically encourage behaviors like respecting a diversity
of feelings and opinions; resolving conflicts constructively; and
avoiding physical and verbal bullying, clique behavior, and
Ensure that no girl is treated differently. Girl Scouts
welcomes all members, regardless of race, ethnicity, background,
disability, family structure, religious beliefs, and socioeconomic
status. When scheduling, helping plan, and carrying out activities,
carefully consider the needs of all girls involved, including school
schedules, family needs, financial constraints, religious holidays,
and the accessibility of appropriate transportation and meeting
Promote online safety. Instruct girls never to put their full
names or contact information online, engage in virtual conversation
with strangers. Girls should never arrange in-person meetings with
online contacts, other than to deliver cookies and only with the
approval and accompaniment of a parent or designated adult. On
group websites, publish girls’ first names only and never divulge
their contact information. Teach girls the Girl
Scout Online Safety Pledge and have them commit to it.
Keep girls safe during money-earning activities. Girl Scout
Cookies and other council-sponsored product sales programs are an
integral part of the program. During Girl Scout product sales
programs, you are responsible for the safety of girls, money, and
products. In addition, a wide variety of organizations, causes, and
fundraisers may appeal to Girl Scouts to be their labor force. When
representing Girl Scouts, girls cannot participate in money-earning
activities that represent partisan politics or that are not Girl
Scout–approved product program and efforts.