Summer camps are an integral part of childhood. Sports camps, nature exploration programmes, creative workshops and adventure camps offer children unique experiences that build character and develop skills. Yet every parent knows that children are active, curious and sometimes end up in situations where the risk of injury is real. That is exactly why it is worth thinking about insurance before a camp visit.

Many parents assume the camp organiser is fully responsible for their child's safety. This is partly true, but the organiser's responsibility usually relates to maintaining general safety standards rather than covering individual medical expenses. If a child sustains an injury at camp, for example a fracture or a sprain, the treatment costs may fall on the parents.

What risks exist at camps and what does insurance cover

Accident insurance for children is a policy that provides financial protection in case of injury. It covers a range of incidents, from simple bruises to more serious fractures, torn ligaments or other injuries that can occur during active pursuits.

At camps, children regularly take part in sports activities, swimming, hiking, tree climbing or rope parks, cycling and many other pursuits. Each of these carries a certain risk of injury. Even experienced camp leaders cannot entirely eliminate the possibility that a child may fall, bump a knee or sustain a more serious injury.

An insurance policy in such cases provides a payout that can cover medical expenses, rehabilitation and other costs related to the injury. Some policies also include a daily allowance for hospitalisation and compensation for prolonged incapacity.

It is important to note that the insurance applies not only during the camp but usually throughout the entire policy period. This means the child is also protected during everyday life, at school and during leisure time, not just at camp.

If the camp takes place outside Latvia, it is worth considering travel insurance in addition to accident cover, as it covers medical expenses abroad, lost luggage and other travel-related risks.

How to choose the right insurance for your child before camp

When choosing insurance for a child, consider several factors. First, assess the nature of the camp activities. If the camp includes higher-risk pursuits such as mountaineering, water sports or horse riding, make sure the policy covers them. Not all standard policies include high-risk activities.

Second, check the scope of coverage. Some policies offer broader protection than others, including not only injury payouts but also medical expense reimbursement, rehabilitation and a hospital daily allowance. The wider the coverage, the better the child is protected.

Third, compare offers. Different insurers provide different terms and prices, so it is worth spending time comparing. A broker can help navigate the options and find the best solution at no extra cost.

Fourth, pay attention to the policy term. Some policies can be arranged for a full year, meaning the child is protected not only during camp but throughout the rest of the year as well. This approach is often more cost-effective than purchasing a separate short-term policy for each camp.

If a business organises camps and wants to provide insurance for all participants, it is worth exploring corporate solutions. Bicycle insurance offers protection against theft, damage and civil liability, which can also be useful for camp participants who use bicycles.

To find the best insurance offer for your child before summer camp, get in touch with the Agento team. We will compare offers from multiple insurers and help you choose a policy that protects your child during an active summer. Book your free consultation today!

Frequently Asked Questions

Does a child need insurance before going to camp? Yes, accident insurance provides financial protection in case of injury. The camp organiser is usually responsible for general safety, but individual medical expenses may fall on the parents.
What does child accident insurance cover? It typically covers injuries, fractures, torn ligaments and other accidents. More comprehensive policies may also include medical expense reimbursement, rehabilitation and a hospital daily allowance.
Does the insurance only apply during the camp period? Usually not. Accident insurance applies throughout the entire policy term, which may be a year or another set period. The child is also protected during everyday life, at school and during leisure time.
Does a standard policy cover high-risk camp activities? Not always. If the camp includes activities with increased risk, such as mountaineering, water sports or horse riding, it is important to confirm that the policy covers them. A broker can help choose a suitable policy.
Are Agento broker services free of charge? Yes, Agento broker services are completely free for the client. The broker receives compensation from the insurer. You only pay for the policy itself.