Friendly Pines Camp

Tuition Insurance

September 2023

Dear Camp Families, 

First of all, let us express our delight that you will be joining us for our 83rd Season. We are working hard to make it the best ever.

We are strongly urging you to consider and purchase Tuition Insurance to protect your investment.

We are going to express this in pretty stark language. If after March 1, 2024, you cancel or decide your child cannot attend, you will lose your initial AND secondary deposit payment. If after May 1, 2024 you cancel or decide your child can not attend, you will forfeit their entire tuition payment. Friendly Pines Camp will need to hold firm to this cancellation policy. 

In order to help protect your investment in your child’s summer camp experience, we are availing a way for families to purchase camp/travel protection. Friendly Pines Camp tuition becomes non-refundable after certain deadlines, but these protection plans provide a variety of levels of coverage should you need to cancel your enrollment for a reason covered by the plan purchased. Below are your options, though there may be other products on the market worth considering. In all cases, it is important to review all plans carefully as there are certain restrictions, exclusions and limitations that apply to all insurance coverages.

What does it cost?

Information on benefits, limits, per-person rates, and important disclaimers can be found at this link: https://www.travelinsured.com/docs/group/sd15cfar.pdf?sfvrsn=6fd33c81_30

When is the deadline to enroll in the Tuition Insurance?

On both plans – Waiver of the Pre-Existing Condition Exclusion; The exclusion for Pre-Existing Condition will be waived provided: a) Your Payment or Deposit for this Certificate and enrollment form are received at or before the final Payment due date for Your Program/Trip 

On Student Deluxe CFAR Plan– a) Your Payment or Deposit for this plan is received within 14 days of your original deposit payment to FPC upon enrollment

How do I enroll in Tuition Insurance?

Find your camper(s)’s session in the tables below (Step 1). Then, decide which program you’d like to purchase using the links and enroll online. Once you’ve purchased, you will email a confirmation of your purchase to info@friendlypines.com (Step 2)

If you are interested in CFAR option, you will tick the box within the regular plan enrollment form; it is completely optional and has certain associated terms & conditions that you should make yourself aware of! 

Can Friendly Pines Camp answer our questions?

Short answer is NO. You should direct ALL questions directly to TravMark at 1 (877) 500-1556.


STEP 1: Enrolling

Review plan information for all terms, conditions and exclusions, and buy your coverage using the appropriate links below.

Two Week Sessions

Session Student Travel Protection with
Optional Cancel For Any Reason*
6/2/24 - 6/15/24
6/16/24 - 6/29/24
6/30/24 - 7/13/24

One Week Sessions

Session Student Travel Protection with
Optional Cancel For Any Reason*
5/26/24 - 6/1/24
5/26/24 - 6/1/24
6/9/24 - 6/15/24
6/16/24 - 6/22/24
6/23/24 - 6/29/24
6/30/24 - 7/6/24
7/7/24 - 7/13/24

LIT & CIT Sessions

Session Student Travel Protection with
Optional Cancel For Any Reason*
6/2/24 - 6/15/24
6/16/24 - 7/13/24

STEP 2: Confirmation

Email your purchase confirmation to info@friendlypines.com.

*Student Travel Protection with
Optional Cancel For Any Reason

This plan has benefits for covered trip cancellations and interruptions, medical expenses and evacuations.

Information on benefits, limits, per-person rates, and important disclaimers can be found at the following links: 

  • Cancel For Any Reason is optional and available for purchase at the individual level. CFAR coverage is up to 75% of the nonrefundable trip cost (subject to $10,000 maximum).  CFAR is available if purchased with or before your final payment for your trip.  This benefit is not available to residents of New York State.  
  • CFAR does not take effect until your entire non-refundable trip cost is paid to your travel supplier.  If there are still deposits yet to be paid at the time you cancel your trip, CFAR will not apply.
  • If you purchase the plan but decline CFAR coverage at the time of plan purchase, you cannot add CFAR coverage at a later date – even if additional expenses are added to the trip/program.
  • Outside of CFAR terms, this plan does contain the following exclusion:  
  • Benefits are not payable for any loss due to, arising or resulting from: a mental or nervous condition, unless hospitalized for that condition while the Plan is in effect for You. 
  • If you are interested in a plan without this exclusion, please visit: https://www.aplusplans.com/consumer/portal/amsk22


We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable Natural Disaster Evacuation expenses and Related Costs incurred for Your transportation, if You must interrupt Your Trip for a covered Natural Disaster Event and while traveling outside Your Home Country.

The Natural Disaster Evacuation must occur within 14 days of the Natural Disaster Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

Following the Natural Disaster Evacuation and when safety allows, We will pay for one-way economy transportation and Related Costs to return You to one of the following locations as chosen by You:

a. back to Your point of origin for Your Trip; or

b. to the Nearest Place of Safety necessary to ensure Yours safety and well-being as determined by Us or Our designated Travel Assistance Services Provider.


Natural Disaster Evacuation means Your extraction from or within the Host Country due to a Natural Disaster Event that results in You being placed in imminent physical danger.

Natural Disaster Event results in such severe and widespread damage that the area of damage is officially declared a disaster area by the appropriate local government authorities of the Host Country, and the area is deemed to be Uninhabitable or dangerous.”

Trip Cancellation coverage is not valid if the program operator/travel supplier/camp does not operate for any reason.
The failure of a program operator/travel supplier/camp to provide bargained for travel arrangements is not a covered reason for Trip Cancellation coverage. Rather, if your program operator/travel supplier/camp cancels your trip, the Trip Cancellation coverage can only reimburse the reissue fee charged by the airline for the tickets.

This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain noninsurance Travel Assistance Services provided by C&F Services through Active Claims Management (2018) Inc., operating as Active Care Management. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions.  In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage.  Your travel retailer may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. Your travel retailer maybe compensated for the purchase of a plan.CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured: P.O. Box 6503, Glastonbury, CT 06033; 800-243-3174; customercare@travelinsured.com; California license #0I13223.