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Girl Scout Activity Insurance

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Activity Accident Insurance Enhancement Effective October 1 

GSUSA is pleased to announce an important coverage enhancement to Girl Scouts Activity Accident insurance with Mutual of Omaha which is effective on October 1, 2025. Activity Accident Insurance will be completely automatic with no additional cost to councils, troops, or members. In addition to accident/injury coverage for day events, the new policy will automatically include sickness coverage for all overnight stays (including camp) and international travel. This change, effective for trips occurring on and after October 1, 2025, eliminates the need for manual individual insurance requests entirely because it covers both members and invited non-members.

The Comparison Chart of the GSUSA Insurance Plans is available here.

Claims

The claim form for an accident (Incident/Accident Form should already be filed with GSNEO) can be attained here. By completing the online claim form and hitting submit, your claim and receipts are sent directly to GSNEO's Corporate Office. GSNEO will review and forward your claim to Mutual of Omaha upon approval.

Upon receipt of the claim, the insurance company will be in contact with the member or their guardian. All claims are subject to review by Mutual of Omaha.

Plan 1 (Basic): Girl Scout Activity Insurance (accident only)

  • Covers all Member and Non-member participants injured during any approved, supervised activity of the Girl Scouts regardless of event duration at no additional cost.
  • Covers travel directly to and from the covered activities.
  • Provides basic coverage for accident medical expense, accidental death, dismemberment, loss of eyesight and paralysis insurance.
  • Covers injuries resulting in treatment by a legally qualified physician beginning within 30 days after the date of a covered accident.
  • All claims are subject to review by Mutual of Omaha.

Plan 2 (incorporated into Plan 1)


  • Cost is $0.11 per person, per day
  • Insures covers accident only; $5.00 minimum enrollment fee.
  • Covers non-members and members as participants regardless of the length of the activity/event, insurance must be ordered for the entire period of the event.
  • Plan 2 coverage is identical to Plan 1 except that Plan 2 must be purchased through the council and is required for participating non-members and approved events lasting more than 2 nights.
  • This plan is designed to provide financial assistance.
  • All claims are subject to review by Mutual of Omaha.
  • Cost is $0.29 per person, per day
  • Covers members and non-members as participants; sickness benefits when illness/symptoms occur while coverage is in place; $5.00 minimum enrollment fee.
  • Covers travel to and from the covered activity.
  • Non-duplication provision does apply to Plan 3E.
  • Insurance must be ordered for the entire period of the event and for 100% of the participants.
  • All claims are subject to review by Mutual of Omaha.

Plan 3E (incorporated into Plan 3P)

Plan 3P: Accident and Sickness
Insurance for Activities or Events
Excluded under Plan 1

**Allow three (3) business days for processing.**


  • Cost is $0.70 per person, per day
  • Covers members and non-members as participants; sickness benefits when illness/symptoms occur while coverage is in place; $5.00 minimum enrollment fee.
  • Covers travel to and from the covered activity.
  • Insurance must be ordered for the entire period of the event and for 100% of the participants.
  • Benefits will be coordinated and paid by AXA Assistance-USA.
  • Cost is $0.70 per person, per day
  • Covers members and nonmembers as participants, $5.00 minimum enrollment fee.
  • Provides sickness coverage; identical to plan 3E but the non-duplication provision does not apply.
  • Cost is $1.17 per person, per day.
  • Provided by AXA Assistance-USA and United of Omaha.
  • Should a medical or other emergency occur while abroad the group leader can contact AXA Assistance.
  • Pre-trip concerns or questions can be answered by contacting AXA Assistance.
  • Provides primary coverage for members and non-members as participants, and is essentially the same coverage found in Plan 3P, $5.00 minimum enrollment fee.
  • Covers accidents & illness incurred during an international trips.
  • Complete roster of participants including age must be completed and submitted with application.

Plan 3PI: Accident and Sickness
Insurance for International Trips
Excluded Under Plan 1

**Allow three (3) business days for processing.**

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