Campers' Program (Enhanced)
Applications, Forms, & Brochures
- Availability
- Eligibility
- Who is Covered?
- When Are They Covered?
- Description of Coverages
- Plans and Rates
- Excess Coverage
- General Exclusions, Limitations and Definitions
- Premiums
- When Coverage Begins
- Camps for Individuals with Disabilities
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Availability
This program is available in the following states: Alabama, Alaska, Arkansas, Arizona, California, Colorado, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, and Wyoming. State exceptions may apply.
Our Enhanced Campers' Program is not available in all states. See our Campers' Countrywide Program for:
- Connecticut
- Florida
- Kansas
- Maine
- Maryland
- Montana
- South Carolina
- Vermont
- Washington
For New York only, see our Campers' New York Program.
This is an explanation of the general purposes of the coverage described, but in no way changes or affects the policy as actually issued.
Eligibility
Non-Profit Organization Sponsored and Private Camps are eligible for coverage. The program is also available for non-profit organization sponsored camps for individuals with disabilities. Additional information concerning camps for individuals with disabilities may be found at the end of this section.
The program is not intended for camps organized as athletic camps, sports clinics, or senior citizen camps. Please ask about our Special Risk Accident program for camps in these categories
Who is Covered?
All persons registered as campers must be insured. Counselors, janitors, cooks and similar employees may also be insured at the option of the camp.
This insurance will not cover:
- children of camp employees;
- children of counselors, spouses of employees, or
- volunteers working on special events unless they are registered as campers or employed by the camp.
When Are They Covered?
The Hartford's policy covers insured campers during their camp period as follows:
- While in regular attendance on camp premises
- While taking part in regularly scheduled, approved camp activities
- While traveling to or from camp activities in properly supervised groups
- While traveling directly between home and camp, as long as that
travel does not extend beyond 48 hours prior to or after the camper
is in regular attendance at the camp.
Description of Coverages
Accidental Death and Dismemberment (AD&D) Benefit - If the Insured Person's Injury results in any of the losses listed in the table below within 180 days after the date of the accident, we will pay the sum shown opposite the loss. We will not pay more than the Principal Sum for each Insured Person for all losses due to the same accident. The Principal Sum amount is shown in the Schedule.
| Loss | Benefit |
|---|---|
| Life | Principal Sum |
| Both Hands or Both Feet or Sight of Both Eyes | Principal Sum |
| One Hand and One Foot | Principal Sum |
| Either Hand and Sight of One Eye | Principal Sum |
| Either Foot and Sight of One Eye | Principal Sum |
| Speech and Hearing in Both Ears | Principal Sum |
| Either Hand or Foot | One-half the Principal Sum |
| Sight of One Eye | One-half the Principal Sum |
| Speech or Hearing in Both Ears | One-half the Principal Sum |
| Thumb and Index Finger on the Same Hand | One-quarter the Principal Sum |
Medical Expense - pays the Insured Camper for reasonable expenses up to the maximum benefit selected for medical and surgical treatment, services and supplies (including necessary hospital, nursing and ambulance services) prescribed by a legally qualified physician. "Reasonable" means the amount of such expenses that do not exceed those generally charged in the geographic area where the care was received. (In determining reasonable amounts, we also take into consideration the nature and severity of the injury or illness.)
Payments under our Campers' Medical Insurance are made for injuries and if you select Campers' Plan 1 or Plan 3, for sicknesses. (Dental injuries are treated like any other accidental injury.) Payments are made after a deductible has been satisfied.
The first expense for which payment will be made must be incurred within 26 weeks of the accident date, or within 30 days after the sickness first manifests itself. Payment will not be made for any expenses incurred more than 52 weeks after the accident date or the date the sickness first manifests itself. Sickness medical expense coverage is available only if the campers maintain residence for at least five consecutive days.
Sickness coverage (Plans 1 or 3) is not available for Paid Camp Counselors or any other employee insured under the policy for camps with less than 50 employees. Additionally, sickness coverage may not be available in all states.
Benefits for Paralysis and Coma - Pays a benefit if an Insured Person's Injury results in any of the following losses, provided that the Paralysis or Coma continues for one months; and is diagnosed by a Physician as reasonably expected to continue for the duration of his or her lifetime.
| Loss | Benefit |
|---|---|
| Coma | Principal Sum |
| Movement of Both Upper and Lower Limbs (Quadriplegia) | Principal Sum |
| Movement of Both Lower Limbs (Paraplegia) | One-half the Principal Sum |
| Movement of Upper and Lower Limbs on One Side of the Body (Hemiplegia) | One-half the Principal Sum |
| Movement of Three Limbs (Triplegia) | Three-quarters the Principal Sum |
| Movement of One Upper Limb or One Lower Limb (Uniplegia) | One-quarter the Principal Sum |
We will not pay more than the Principal Sum for each Insured Person for all losses due to the same accident. No benefits are payable for any loss due to Sickness under this benefit.Loss means, with respect to: (a) movement, complete and irreversible paralysis involving the entire arm with respect to an upper limb, and entire leg with respect to a lower limb; and (b) Coma, complete and continuous: (1) unconsciousness; and (2) inability to respond to external or internal stimuli.
Plans and Rates
| Cost Per Camper per week, or fractional part thereof: | ||||||||
|---|---|---|---|---|---|---|---|---|
| Plans | AD&D Acci- dental Death Principal Sum |
Accidental Dismem- berment Principal Sum) |
Paralysis & Coma Principal Sum | Accident Medical Expense Benefit | Sickness Medical Expense Benefits | Type of Coverage | Non-profit Organized Sponsored Camps | Private Camps |
| Overnight Camps Only Plan 1 |
$2,500 | $5,000 | $35,000 | $2,500 | $750 | Full Medical Expense Coverage | ||
| No Deductible: | $2.32 | $4.11 | ||||||
| $50 Deductible | $1.62 | $2.86 | ||||||
| Excess Medical Expense Coverage | ||||||||
| No Deductible | $1.69 | $2.98 | ||||||
| $50 Deductible | $1.20 | $2.10 | ||||||
| Overnight Camps Only Plan 2 |
$3,000 | $6,000 | $35,000 | $3,000 | $0 | Full Medical Expense Coverage | ||
| No Deductible | $1.07 | $1.82 | ||||||
| $50 Deductible | $.85 | $1.45 | ||||||
| Excess Medical Expense Coverage | ||||||||
| No Deductible | $.82 | $1.39 | ||||||
| $50 Deductible | $.67 | $1.13 | ||||||
| Overnight Camps Only Plan 3 |
$10,000 | $20,000 | $35,000 | $5,000 | $5,000 | Full Medical Expense Coverage | ||
| No Deductible | $3.46 | $6.16 | ||||||
| $50 Deductible | $2.74 | $4.86 | ||||||
| Excess Medical Expense Coverage | ||||||||
| No Deductible | $2.56 | $4.54 | ||||||
| $50 Deductible | $2.05 | $3.62 | ||||||
| Day Camps Only | $2,000 | $4,000 | $35,000 | $2,000 | Not Applicable | Full Medical Expense Coverage | ||
| No Deductible | $.98 | $1.41 | ||||||
| $50 Deductible | $.76 | $1.10 | ||||||
| Excess Medical Expense Coverage | ||||||||
| No Deductible | $.74 | $1.07 | ||||||
| $50 Deductible | $.60 | $.85 | ||||||
Excess Coverage
In certain states, lower rates are available if the Medical Expense portion of The Hartford's Camper's Accident and Sickness Insurance is purchased on an "excess basis". This means that after the Insured Camper has been reimbursed for medical expenses by other insurance plans, The Hartford will pay up to the maximum Medical Expense benefit for remaining treatment services and supplies. Other Plans include such health insurance coverage as group hospital or coverage through government programs. Any amounts paid by another insurance plan cannot be used to satisfy any deductible under The Hartford's policy.
General Exclusions, Limitations and Definitions
The Policy does not cover loss resulting from or for:
(1) intentionally self-inflicted Injury, suicide, or attempted suicide,
whether sane or insane;
(2) war or act of war, whether declared or undeclared;
(3) Injury sustained while in the armed forces (land, water or air)
of any country or international authority;
(4) Injury sustained while in or on, boarding or alighting from, being
struck or run down by, any aircraft except as an airline passenger on
an aircraft: (a) operated by a passenger airline on a regularly scheduled
trip over its established route or that is chartered by that airline;
or (b) any transport type aircraft operated by the Military Airlift
Command (MAC) of the United States or any national government recognized
by the United States;
(5) repair, replacement, examination for prescriptions, or fitting of:
(a) eyeglasses; (b) contact lenses; or (c) hearing aids;
(6) dental work or treatment on natural teeth which is not necessary
for the repair or relief of Injury;
(7) repair or replacement of existing dentures, partial dentures, braces,
fixed or removable bridges, or other artificial dental restoration;
(8) repair or replacement of artificial limbs or orthopedic braces;
(9) Injury sustained while the Insured Person is voluntarily taking
drugs which federal law prohibits dispensing without a prescription,
including sedatives, narcotics, barbiturates, amphetamines or hallucinogens,
unless the drug is taken as prescribed or administered by a licensed
Physician; or
(10) Injury sustained by an Insured Person during or as a result of
his or her commission of a felony or while incarcerated for a felony,
except that this exclusion will not be applicable upon acquittal or
dismissal of the felony charges;
(11) Injury sustained as a result of the Insured Person's being legally
intoxicated from the use of alcohol while operating a motor vehicle;
(12) Injury sustained as a Member of a Team while practicing for or
participating in any athletic game, event or tournament sponsored by
or under the direction of any professional, semi-professional, intercollegiate,
interscholastic or organized amateur league, conference or association;
or traveling to or from such practice or participation;
(13) expenses covered under any automobile reparations insurance (no-fault)
or automobile insurance medical payments benefit; or
(14) injury sustained by an Insured Person as a result of participation
in a riot or insurrection.
Injury means bodily injury of an insured person that results directly and independently of all other causes from an accident that occurs while he or she is traveling on a covered trip. Sickness or disease (except pus-forming infection which shall occur through an accidental cut or wound) or hernia of any kind will not be considered as bodily injury.
Sickness means sickness or disease that begins while the Insured Person is participating in a Covered Activity. A Sickness is considered to begin when it first manifests itself.
Premiums
The minimum premium for Private Camps and Nonprofit Organization Sponsored Camps is $310. A deposit premium equal to the minimum premium or 25% of the estimated policy premium, whichever is the greater, is required. The total premium will be computed by audit at the end of the camping season. Any additional premium due The Hartford will be collected at that time. The minimum premium is non-refundable in the event the policy is canceled after the effective date.
When Coverage Begins
If the Request for Insurance is received and approved before the opening date of the camp, coverage will begin on the first day of the program. Otherwise, coverage will begin on the date the Request for Insurance is approved following its receipt by The Hartford.
Camps for Individuals With Disabilities
Nonprofit organization sponsored camp plans are available for camps specializing in the care of individuals with disabilities. Rates applicable to these benefits vary with the type of disability involved and the operation, capacity, services and supervision of the camp. To obtain rates, submit the completed request and a detailed supplemental description of the camp and disabilities involved along with the ratio of counselors to campers to your Hartford agent or broker.