SEL 1/2019
Are travelers covered by Girl Scout insurance?
Basic Accident Activity Insurance (Plan 1) is provided as part of the Girl Scouts of the USA (GSUSA)
membership registration fee and covers every registered girl and adult Girl Scout when they are
participating in an approved Girl Scout activity lasting three days and two nights or less ─ a third
consecutive night is covered when one of the nights is a federal holiday. If your troop is taking a trip of
longer than three days and two nights or an international trip, it is strongly encouraged that you
purchase additional insurance, as such trips are not covered under the Basic Accident Activity Insurance.
In some cases, Girl Scouts of Eastern Missouri (GSEM) may make this insurance mandatory, particularly
for international travel. There are three accident and sickness plans available for purchase for such trips:
• Plan 3E (coordinates with family health plan): Enrollment Form Description of Coverage
• Plan 3P (primary coverage):
• Plan 3PI (international):
Enrollment Form Description of Coverage
Enrollment Form Description of Coverage
What Certificate(s) of Insurance do I need for a trip?
A Certificate of Insurance (COI) is a form that identifies how much insurance coverage the holder
possesses. GSEM is obligated to ensure, to a reasonable extent, that external entities, such as vendors,
program providers or collaborators, organizations, companies, sites or facilities used by our members are
safe. One measure of safety is evidence of adequate insurance coverage.
• When planning something on behalf of GSEM, including troop trips, you should obtain a COI from
all external entities. COIs may be required for certain activities, modes
of transportation,
accommodations,
etc., to verify that they meet GSEM’s insurance standards (a minimum total per
occurrence limit of $1,000,000 in primary commercial general liability, with higher limits for certain
external entities, such as commercial bus transportation and watercraft).
• COIs must be issued with GSEM listed as a Certificate Holder. For high-risk activities, including but
not limited to high adventure (such as challenge courses, rock climbing, zip-lining, etc.), hayrides,
food-related and transportation, GSEM must also be named as an Additional Insured.
o When requesting a COI for an accommodation, you may use the following language:
“My Girl Scout troop plans to stay at your facility on our upcoming trip. When our Girl
Scout Council’s members stay at a facility for which the Council does not have a
current Certificate of Insurance on file, they would like one for their records. Would it
be possible to obtain a copy of your COI with Girl Scouts of Eastern Missouri, 2300
Ball Dr., St. Louis, MO 63146 listed as a Certificate Holder?”
o When requesting a COI for an activity, you may use the following language:
“My Girl Scout troop plans to visit your attraction on our upcoming trip. When our
Girl Scout Council’s members visit an attraction for which the Council does not have
a current Certificate of Insurance on file, they would like one for their records. Would
it be possible to obtain a copy of your COI with Girl Scouts of Eastern Missouri,
2300 Ball Dr., St. Louis, MO 63146 listed as a Certificate Holder?”
o When requesting a COI for a high-risk activity, you may use the following language:
“My Girl Scout troop plans to visit your attraction on our upcoming trip. When our
Girl Scout Council’s members participate in high-risk activities, the Council would
like a Certificate of Insurance with Girl Scouts of Eastern Missouri, 2300 Ball Dr., St.
Louis, MO 63146 listed as a Certificate Holder and Additional Insured. Would it be
possible to obtain this?”
• If you need assistance obtaining a COI for a trip or have questions about whether a COI is needed
for a trip, contact the Community Engagement Manager. Further information about COIs can be
found on GSEM’s Insurance page.