Every registered member of the Girl Scouts of the USA is automatically covered under the Basic Activity Accident Insurance (Plan 1). To assure coverage of all registered Members, the entire cost of the Basic Plan is paid for by the Girl Scouts of the USA. 

Plan 1 — Member’s Accident – The Basic Plan covers registered Members for any approved, supervised Girl Scout activity lasting two consecutive nights or less (three nights when one of the nights is a federal holiday).

Plan 2 Members’ and Non-members’ Accident – Accident Insurance covers all members as participants for events lasting longer than those covered by Plan 1; and all nonmembers as participants regardless of the length of the activity/event.  This insurance must be purchased through your Council’s Membership Specialist. 

Plan 3E & 3P — Member’s and Nonmember’s Accident and Sickness – Accident and Sickness Insurance covers all participants for events lasting longer than those covered by Plan 1.  This insurance must be purchased through your Council’s Membership Specialist.

Plan 3PI — Member’s and Nonmember’s Accident and Sickness – Accident and Sickness Insurance covers all participants for international trips. Not subject to the non-duplication provision.

International Inbound — Accident and Sickness Insurance designed for Councils who host Girl Guides/Girl Scouts visiting the United States. Not subject to the non-duplication provision.

NOTE: Under all Optional Plans, 100% enrollment of all participants in the event to be insured is required. There is a minimum premium charge of $5.00 for each submission. However, the leader may include several events in one submission to meet the minimum.

Insurance must be ordered for the period of time beginning with the day the participant leaves home through the day the participant returns home (i.e., event scheduled June 1 through June 5 equals five calendar days).


Purchasing Plan 2-3PI Coverage

The following procedure shall be followed each time the Optional Insurance Plan is purchased..

1. The troop requests an insurance form from the Membership Department.  The troop completes an Enrollment Form for the Optional Insurance and it is then signed by a Membership Specialist.  The form is then sent directly to United of Omaha together with a check for the premium as computed on the Enrollment Form. No less than $5.00 will be accepted, but forms may contain multiple events to reach the $5.00 minimum.

2. Coverage for each activity/event begins and terminates at 12:01 a.m. on the dates shown on the Enrollment Form.



Plan Questions and Answers


These Questions and Answers will serve to interpret the insurance to its members.

1. Q. What is the purpose of the Basic Plan 1?

A. To assure that every registered Girl Scout is automatically covered by accident insurance during normal supervised program activities, except those events which last more than two consecutive nights (three nights when one of the nights is a federal holiday, such as Memorial Day or Labor Day). Coverage is automatic for all girls upon registration in the Movement and payment of dues.

2. Q. If an event lasts more than two overnights, will the event be covered under the Basic Plan 1?

A. No. The entire event is excluded from the Basic Plan, including travel to and from. An Optional Plan of activity insurance would need to be arranged through your Council to cover the entire period of the event. Contact your Council, describe the event, indicate inclusive dates, and number of girls and adults participating.

3. Q. If an event begins Friday after school and ends Sunday afternoon, does this meet the definition of a two-night event?

  1. Yes, it is covered under the Basic Plan.

4. Q. What is meant by an approved, supervised Girl Scout activity?

A. It is an activity carried out by Members of the Movement, under supervision of adults, in keeping with the Girl Scout Program Standards.

5. Q. If a Member is injured while individually practicing skills for a badge or learning a sport, such as individual roller skating or horseback riding, is she covered under the Basic Plan?

A. No. These are individual activities conducted outside of the troop and not under the direct supervision of troop leadership.

6. Q. Are fund-raising drives and money-earning events covered under the Basic Plan?

A. Yes, if they are Council approved and supervised.

7. Q. Are program activities, such as cookie sales, covered under the Basic Plan?

A. Yes, if they are approved and supervised.

8. Q. Is traveling to and from a troop meeting covered?

A. Yes. The insurance includes travel to and from troop meetings, provided it is direct.  The insurance does not cover accidents which occur during or after deviation from the direct route to or from the meeting place. For example, a parent picks up a Member(s) from a meeting, then proceeds to the shopping mall before returning home.

9. Q. Does the Basic Plan cover the delivery of Girl Scouting programs outside of the traditional Girl Scout troop?

A. Yes. An example of such a program would be a Special Interest Group, which meets the criteria established for the activity to be considered Girl Scouting.

10. Q. Is a new Member automatically covered when she joins a troop?

A. For a new registrant who has met the requirements for membership, including payment of membership dues, insurance coverage becomes effective the date the Troop Leader receives the dues and appropriate registration paperwork.  Up to 13 months of insurance coverage is provided for new members registered in the month of September. New members and late reregistrants joining the troop after the troop registration has been sent will be covered effective the date the Troop Leader receives their registration and membership dues.

11. Q. Would coverage be provided for medical expenses of a Member who became ill during an approved activity?

A. No. Sickness is not covered; only medical expense arising out of an accident during an approved, supervised activity is covered.  However, illness caused by an accident, such as a poisonous snake or insect bite, would be covered.

12. Q. Are non-registered mothers, troop consultants or other persons assisting the Leader covered?

A. No. Only registered Girl Scouts and registered Adult Members are covered.

*It is expected that nonmember parents and others will be involved from time to time in Girl Scout activities just as they usually do in PTAs, community services, school events, etc., in providing transportation, chaperoning, decorating, visiting or just lending a hand. These activities are done without expectation of reimbursement for medical expenses in case of accidental injury. NOTE: Nonmembers who get more than sporadically involved should perhaps become Members.

 13. Q. Are “Tagalongs” (brothers, sisters, friends) covered under the Basic Plan?

A. No. If the “Tagalong” is a registered Member of a different troop/group, but is not of the proper age for the activity and is not participating as a service project, there is still no coverage. For example, a registered Daisy tagging along with the parent who is leading a Cadette troop has no coverage for the event. Conversely, a Cadette assisting at a Daisy meeting does have coverage

Please Note: All of this information is from the Mutual of Omaha Insurance Company and can be found on their website at

Girl Scouts of Washington Rock Council, Inc.
201 Grove Street East
Westfield, NJ 07090
Phone: 908-232-3236
Fax: 908-232-2140

Copyright 2008 GSWRC
The GIRL SCOUTS name, mark and all associated trademarks and logotypes, including the Trefoil Design, are owned by GSUSA.