Insurance for Injuries

  • Frederick County Public Schools carries secondary insurance for injuries to students that occur during school or school-sponsored events/activities. This means the parent/guardian must have primary insurance for their student. 

    For the students' protection, if medical insurance is not currently provided through the parents' employer or individual plans, parents are strongly encouraged to purchase insurance from a private vendor or the student accident insurance available through the school division vendor—K&K Insurance Group.

    FCPS has selected the Student Insurance Plan from K&K Insurance Group to make reliable coverage available to parents. If you don't have other insurance, this plan may be a resource to consider. Additionally, even if you have other coverage, this plan can help fill expensive "gaps" caused by deductibles and co-pays. Coverage may be purchased at any time during the school year.


    • Once on the K&K Insurance website, select "K12 Voluntary" under ENROLL NOW and click "GO"
    • Click the bubble for "Current School Year"
    • Click the bubble for "Frederick County Public Schools" and continue
    • Enter your student's information to load available plans
    • Choose your plan and "Add Student"
    • You will be shown Plan and Total Premium information; click continue
    • Read the policy information and continue
    • Complete enrollment information for Parent/Guardian
    • Read Disclosures; click "I have agreed to the above terms" and complete remaining information (Name of Person Completing Form) and continue
    • Read Coverage & Premiums Application Summary
    • Continue to Payment
    • Register (to acquire login name and password)
    • Proceed to payment options

    Frederick County Public Schools provides student accident insurance as secondary insurance to any other insurance (Medicaid, FAMIS, or private insurance). Claims can be filed for injuries requiring additional medical attention.

    If your student has an accident while at school or during a school-sponsored event/activity (including athletics), the following actions must occur within 90 days of the incident:

    • Parent/guardian contacts the school to complete an internal incident report and begin the insurance claim form process
    • The school completes “Part I - Incident Information” on the claim form and attaches the incident report
    • Parent/guardian completes “Part II:  Parent Information” and includes signature on the claim form
    • Parent/guardian returns completed and signed claim form to the school
    • The school forwards the completed and signed forms to the FCPS Finance Department
    • The FCPS Finance Department forwards the form to the division’s insurance provider (VAcorp)
    • The insurance provider (VAcorp) will contact the parent/guardian directly regarding their decision on the claim and if additional information is needed.