Top 10 Things for Back to School
It may be summer right now, but school will be here before you know it!
Why not avoid some of the September shopping chaos and look at purchasing a few supplies ahead of time. Here is our Top 10 List of items students need for back to school.
- Backpack
- A good quality backpack is essential for students of any age. Look for one that’s adjustable and comfortable for your child’s size. If they plan on bringing their laptop or iPad to class, don’t forget to look for one with a durable pouch to hold the device.
- Lunchbox
- Keep lunches organized and backpacks mess free. Let your child pick something fun and funky to show off in the lunchroom.
- Healthy Snacks
- Fresh fruit, cheese slices, and granola bars are go-to options. Don’t forget to consider any allergens your child or their school mates may have!
- Loose leaf paper or notebooks
- You never know when a sheet of paper will come in handy. Whether it’s for writing, drawing, or impromptu airplane making, paper is always important to have on hand!
- Pens, Pencils, Highlighters
- These are must-have tools for students! Stock up and keep a supply at home for when the odd ones inevitably start disappearing during the school year!
- 3-Ring Binder
- A classic 3-ring binder will help your child stay neat and organized. You won’t be lacking for options either with so many colours and patterns to choose from!
- A Change of Clothes
- In case of spills or accidents at school, it’s a good idea for kids to carry a change of clothes with them. This way the old adage stays true - no one has to cry over spilled milk.
- Pocket tissue packs
- No one likes being stuck with a runny nose or sticky fingers. Ready-to-go tissues can be a life saver!
- Travel-sized Hand Sanitizer
- Schools can unfortunately be populated with both kids AND germs! Touching locks, washroom handles, and bus seats can all leave unwanted bacterial beasties behind. A bit of sanitizer in these moments though can go a long way.
- Student Accident Insurance
- The majority of schools in Canada do not provide accident insurance coverage if your child is injured – whether that’s on school grounds, during an after-hours sports game, or a class field trip. But we all know that accidents happen. So why not stay prepared with a student accident insurance plan! Insuremykids® offers 3 plans for parents to choose from, all of which provide 24/7 coverage! For more details, visit our Compare Plans page.
Common Costs of Child Dental Accidents
Sometimes it can seem like there’s an endless number of ways for kids to injure themselves, especially their mouths and teeth. They could be playing soccer, and get unexpectedly hit in the face by a high flying ball. They could be running for the school bus, when they trip and chip a tooth. They could even break a tooth by munching on a hard candy too vigorously!
Whether your child injures their baby teeth or adult teeth, it is always a good idea to go to a dentist so that they can investigate the injury, make sure it’s not more serious than it seems, and provide the right treatment as soon as possible.
Child dental costs will differ based on factors like your dentist, the type(s) of treatment needed, and your location, but here are a few examples of common expenses that could result from your child’s injury to their mouth. The following scenarios and costs are examples only.
Scenario 1:
A 14-year-old girl was at home when she fell on a slippery kitchen floor and banged two front adult teeth.
- Emergency exam $125
- X-ray $28
- Root Canal $330 (for one tooth)
- Restoration/Bonding $260 (for one tooth)
Scenario 2:
A 7-year-old boy was playing with his older brother. When their play got a little rough, he ended up banging his head against his own brother’s head, and injured a tooth.
- Exam $70
- X-ray $42
- Restoration/Bonding $291
Scenario 3:
A 10-year-old girl was playing floor hockey when she received a hit in the mouth with a stick.
- Exam $60
- X-ray $34
- Restoration/Bonding $135
- Root Canal $473
- Future Treatment Needed? Yes (Undetermined Cost)
Scenario 4:
An 11-year-old boy was playing basketball when his shoe lace became loose and he tripped over the undone lace.
- Emergency Exam $75
- X-ray $42
- Second Exam $135
- Restoration/Bonding $295
- Future Treatment Needed? Yes (Undetermined Cost)
The above examples show that a single accident could result in some expensive costs!
Government health care coverage and employers’ group coverage is often only able to cover a portion of these types of expenses, leaving parents financially responsible for the remaining costs, which could be hundreds of dollars more. Student accident insurance can help parents though, by filling in the gaps left by their other plans.
Insuremykids® student accident insurance offers 10 years worth of unlimited dental coverage as well as coverage for orthodontic treatment and any future dental treatment that may be needed.
Visit insuremykids®’ Compare Plans page for more details!
Do You Need Insurance for Your Family Trip?
So it’s summer, the kids are out of school, and the weather gods are smiling on you. Sounds like a perfect time to pack the bags and head out on a family vacation. But wait! Are you sure you’ve packed everything your family needs? If you’re planning any kind of trip, it’s important to consider purchasing insurance. And when it comes to travelling with kids, it’s doubly important to remember that accidents can and do happen!
Just imagine if your child got injured or seriously sick during a family vacation! You'd have a lot on your plate looking after their comfort and juggling your budget to cover the costs of their care. Of course, some expenses could be covered by your government health care plan or employee group plan, but only up to a certain limit. And you could be surprised to learn that many costs are not covered at all! This would leave your family responsible to pay any bills out of your own pocket.
But good news - accident insurance can help! An accident insurance plan helps cover many costs that could result from a child’s accident, including ambulance fees and emergency treatment fees charged by physicians and nurses. Accident insurance plans also help cover the costs of medical supplies like crutches, braces, splints, trusses, wheelchairs and hospital-type beds. These are all supplies that are not normally covered under government health care plans and employee group plans.
Planning a trip that will take you outside of your home province? Insurance then becomes an even more important accessory to consider! That’s because government health care plans provide nowhere near the same level of benefits outside of your province as they do inside. Often, this leaves you responsible to cover the costs of any unexpected injury or illness. An insurance plan can help protect you financially.
The insuremykids® Platinum Plan is a great option if your child is travelling on a small trip like a school field trip or summer vacation with family. It provides up to $200,000 in out-of-province emergency medical coverage and a variety of accident and travel insurance benefits.
Looking for more information on the Platinum Plan or any of our other student accident plans?
Get more details here or call us at 1-800-463-5437.