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Ask Our Specialists
Exchange student insurance Sir/Ma'am: My husband and I are hosting a high school exchange student from Germany. My husband would like to take him target shooting, but his insurance covers almost everything except injuries sustained while using firearms (legally or otherwise). I looked at the brochure for the Study USA-HealtCare plan (/study-usa-healthcare/student-health-insurance/ and /study-usa-healthcare/student-health-insurance/ the use of firearms is not listed in the exclusions. I have found other plans that exclude the use of firearms but do not list it in the exclusions. Does this plan cover injuries sustained during the legal use of firearms? Are there any requirements to be met (such as attendance of a firearm safety class) before any such coverage would be in place? Thank you for your time and assistance
The policy does not exclude injuries sustained from the legal use of firearms and does not list any requirements regarding firearm safety courses. The policy will cover accidental injuries sustained from the legal use firearms. We would need to review all relevant documents (including the police report) relating to the injury, prior to making a claim determination.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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