Q: What is the difference between Mutual of Omaha Plans 1 and 2 and
Plans 3E and 3P?
A: Plans 1 and 2 provide Accident only coverage. Plans 3E and 3P
include both Accident and Sickness coverage.
Q: If an event lasts more than two overnights, will the event be
covered under Plan 1?
A: No. The entire event is excluded from Plan 1, including travel to
and from the event. Additional insurance would need to be arranged
from Mutual of Omaha to cover the entire period of the event for all participants.
Q: Must Plan 2 be purchased for Members and nonmembers
participating in single day Community Events or Field Trips?
A: It is NOT required to purchase additional insurance for single
day Community Events or field trips. It is optional to purchase Plan
2-Accident Insurance for nonmembers.
Q: Is there a need to provide coverage for Members under Plan 2?
A: Yes, for events/activities lasting more than two (2) nights (or
more than three nights if over an official federal holiday). Plan 2
also covers non-Girl Scout members for any approved, supervised
activity of the Girl Scouts. If covering non-members for a program
when the exact numbers are not available, use a reasonable estimate to
determine the number of non-member participants.
Q: What is meant by an approved, supervised Girl Scout activity?
A: It is an activity carried out by Members of the Girl Scout
Movement, under supervision of adults, in keeping with the Girl Scout
Volunteer
Essentials and Safety Activity Checkpoints.
Q: If an event begins Friday after school and ends Sunday
afternoon, does this meet the definition of a two-night event?
A: Yes, it is covered under Plan 1.
Q: Are program activities, such as cookie sales, covered under Plan 1?
A: Yes, if they are approved and supervised.
Q: Is coverage provided under Plan 1 if Members of our troop travel
outside the United States on a Girl Scout project or activity?
A: Yes, only if the trip lasts less than two consecutive nights
(three if one of the official federal holiday). For example, a simple
day trip to Ontario is covered. Other trips outside the USA would
usually involve more than two consecutive nights, therefore,
Additional Accident and Sickness Insurance is needed. Plan 3PI is
recommended for International Travel, although 3E and 3P are available.
Q: Would coverage be provided under Plan 1 for medical expenses of
a Member who became ill during an approved activity?
A: No. Sickness is not covered; only medical expenses arising out of
an accident during an approved, supervised activity is covered.
Sickness Insurance, along with Accident Insurance, is only provided
for events lasting more than two consecutive nights and only available
under one of the Plan 3 options (i.e., Plans 3E, 3P, 3PI).
Q: Are nonregistered adults or other persons assisting the Leader covered?
A: Only registered girl and adult members are covered by the
Mutual of Omaha basic accident insurance as a benefit of membership.
The only coverage available to non-registered girls and adults while
they are performing duties related to Girl Scouts and during a
supervised activity in keeping with the Girl Scout Volunteer
Essentials and Safety
Activity Checkpoints is Girl Scouts of Southeastern Michigan’s
general liability insurance.
Q: Are “Tagalongs” (brothers, sisters, friends) covered under Plan 1?
A: No. If a Tagalong is a registered Member of a different troop,
but is not of the proper age for the activity and is not participating
as a service project, there is no coverage. For example, a registered
Daisy tagging along with the parent who is leading a Cadette troop has
no accident coverage. Conversely, a Cadette assisting at a Daisy
meeting does have coverage.
Q: What are typical events for which Plan 2 is used?
A: Community events, recruitment events, family events, programs
held in conjunction with other organizations where Girl Scouts is the
primary sponsor are just a few events which can be covered under Plan 2.
Q: What are examples of events that could last more than two nights
and could be covered by Plan 3E or Plan 3P?
A: GSUSA Destinations Program, and all sorts of trips and
travel, including bike, canoe, white water rafting, etc. are just a
few examples that may be covered.
Q: When counting the number of days of an activity/event on the
application form, do you include the beginning day and ending day of
the event?
A: Yes. Since coverage for travel directly to and from an
activity/event is covered, all days, including days traveled, should
be included, for example, a group leaves home on Friday afternoon and
returns home on Tuesday morning. Coverage must be arranged for five
calendar days.
