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Intercollegiate sports insurance, sometimes referred to as college athlete insurance, is a blanket accident medical insurance policy that is purchased by the college and is designed to provide coverage for student athletes, student managers, student trainers, student coaches and student cheerleaders for bodily injuries sustained while participating in intercollegiate athletic competitions that are supervised, sponsored or scheduled by the college. This includes college supervised practices, game related activities, off-season conditioning and related travel for covered events.
Insurance coverage may also be extended to prospective athletes or guests visiting the college or any facility to which they are invited by a college official.
Claims are paid in excess of or secondary to any other valid primary insurance coverage for which the athlete may be enrolled. Primary insurance may include coverage provided as a dependent on a parent’s insurance plan, the college’s student health insurance plan, or an individual insurance plan. If the student athlete does not have his or her own primary medical insurance, the college policy provides coverage on a primary basis.
Medical maximums, copays, deductibles and limitations will vary depending on the level of coverage purchased by the college.