Accident & Medical Insurance
Accident & medical insurance pays the medical costs of a sports injury — from the ER visit to surgery and rehab — filling the gaps a family health plan leaves behind with high deductibles and out-of-network bills.
Accident & Medical Coverage for Student Athletes
A sports injury can turn into thousands of dollars in medical bills even for an insured family. High-deductible health plans, out-of-network providers, and co-insurance leave real gaps. Accident & medical insurance is designed to fill them — covering the medical costs of an injury sustained during practice, competition, or a sanctioned activity.
Primary vs. Excess (Secondary) Coverage
- Excess / secondary: Pays after the family's health plan, covering deductibles, co-pays, and out-of-network balances. This is the most common and affordable structure.
- Primary: Pays first, before any other coverage — important for families with no health insurance or very high deductibles.
What It Typically Covers
- Emergency room and urgent care visits
- Surgery and specialist treatment
- Diagnostic imaging (X-ray, MRI, CT)
- Physical therapy and rehabilitation
- Dental injuries sustained in play
Who Needs It
Individual athletes and their families buy accident & medical coverage to protect against out-of-pocket exposure, while schools, clubs, leagues, and camps often carry blanket accident plans covering all their participants. We place both individual and blanket programs.
What's Covered
Frequently Asked Questions
It helps, but high deductibles, co-insurance, and out-of-network charges leave significant out-of-pocket costs. Accident & medical coverage is usually written as excess (secondary) to fill exactly those gaps — and as primary when a family has no health plan.
Both. Families buy individual accident & medical policies, while schools, clubs, leagues, and camps purchase blanket accident plans that cover all of their participants. We place both.