Sports and Activity Accident Insurance Frequently Asked Questions
Accident medical insurance protects participants from costly out-of-pocket medical expenses that are a result of an injury that occurred during a policyholder's supervised and sponsored event.
This coverage provides protection should an accident occur and the participant is not covered by any other health insurance or has out-of-pocket expenses not covered by health insurance.
Players, coaches, managers, volunteers, members and any other defined participant taking part in a supervised, sponsored event of the policyholder are covered by the policy.
In the event a covered participant does not have other insurance, this coverage would pay all eligible bills up to usual and customary and/or policy limits.
This policy would pay for co-pays, deductibles and coinsurance.
Yes, this coverage applies as long as the covered individual is participating in the policyholder's supervised and sponsored event.
AME stands for accident medical expense.
Aggregate maximum is the most a policy will pay for all claims made per accident regardless of the number of claims or claimants.
Yes, several deductible options are available.
Full excess means that the coverage is paid in excess of any other valid and collectible policy. This is the most affordable coverage. Primary means liability attaches immediately; therefore, this coverage is more costly.
No, we do not require a roster listing participant names.
Claim forms are available on the File a Claim page or by calling 877-369-0978.
Claims should be filed as soon as possible and must be filed within 31 days of the covered accident. Do not wait for the primary insurance to review the claim first.