What is Cancellation Insurance?

“Cancellation Insurance is an optional add-on that may be purchased during registration that allows you to cancel a program, for any reason, up to the start date of a program, and receive 100% of your program fee back, less any discounts that were applied during check-out. It is important to note that Cancellation Insurance may only be exercised BEFORE a program begins. Even with Cancellation Insurance, program fees are non-refundable after a program begins.” (FAQ page)

Basically, it’s like trip insurance for a trip. If for any reason, you decide not to attend camp before it begins, you can notify us and receive a refund of your program fee.

Who is the Insurance Company?

In the camp industry, you’ll find one of two offerings.

Situation 1. Some camp organizations use a 3rd party insurance company to issue their insurance. This means that somebody other than your camp will process your request to cancel or withdraw from camp. This can get dicey, as there will usually be a lot of legal language restricting your ability to withdraw from camp. Also, you’ll find the cost of the premium in this situation is pretty expensive, typically around 30-40% of the cost of the camp itself.

Situation 2. Other camps do it differently and will also play the role of the insurance company and manage the risk themselves. Classroom Antics does this. This situation allows camps to completely customize how the insurance is offered and what the insurance protects. The insurance premium cost in this situation is far less expensive, around 10% of the cost of camp.

Reasons to Purchase Insurance

Every year, even before COVID, parents would ask us why would they want to buy this optional insurance. Certainly, their child will attend camp. And for most of them, this is true.

But sometimes, there is an unexpected conflict or event the pops up. The following are examples of situations that have occurred for other families:

  • Date conflict with a family reunion
  • Date conflict with a family vacation
  • Family coming in from out-of-town
  • Date conflict with band camp
  • Date conflict with football camp
  • Date conflict with scout camp
  • Child broke their arm and can’t use the computer
  • Parent got a new job and we’re moving
  • Illness in the family
  • Out-of-town and we won’t get back in time for camp
  • And the newest reason: PANDEMIC

What does Cancellation Insurance cover?

If you purchase a camp with Classroom Antics, Cancellation Insurance covers the Program Fee. This means that you do not receive your Cancellation Insurance premium back when you withdraw from camp. Similar to trip insurance in that you wouldn’t receive your trip insurance premium back if you decide not to go on a trip because of an illness. But unlike trip insurance, Classroom Antics Cancellation Insurance covers ANY reason you want to cancel. You can cancel camp because the sky isn’t blue enough if you like. The only requirement is that you notify us before the start of camp.

Program FeeThis is the cost to attend or tuition of the camp.$249
Cancellation InsuranceThis is the insurance premium that protects your Program Fee (optional)$25
Total Cost$274

Cancellation insurance protects the Program Fee. In the case above, if cancellation insurance was exercised, the 249.00 would be refunded and the 25.00 would be consumed (not refunded).

Suggestions?

Do you have a comment on our Cancellation Insurance? Or do you have more questions about it? Please contact us and let us know. We update this page frequently when we find common questions being asked.