Catastrophic Injury Insurance
Catastrophic injury insurance responds to the rare but devastating injury — a spinal cord injury, traumatic brain injury, or paralysis — providing high-limit benefits for lifetime medical care, rehabilitation, and lost future earnings.
Catastrophic Injury Coverage for Athletes & Programs
Most sports injuries are routine. But a small number — spinal cord injuries, traumatic brain injuries, paralysis, or loss of a limb — are catastrophic and life-altering. Catastrophic injury insurance provides the high-limit benefits that ordinary accident plans cannot, covering a lifetime of medical care and support.
What Catastrophic Coverage Provides
- Lifetime medical and rehabilitation benefits, often with multi-million-dollar limits
- Long-term and custodial care, including home modification and assistive technology
- Lost future earnings / benefits for the athlete
- Coverage that activates above a high deductible, after primary accident coverage is exhausted
Why Programs Carry It
Colleges, athletic associations, and large programs carry catastrophic coverage because a single catastrophic claim can far exceed the limits of a standard accident plan. The NCAA, for example, maintains a catastrophic injury program for its athletes — and schools, conferences, and youth organizations carry their own to protect both the athlete and the institution.
The Cost of Not Having It
Lifetime care for a catastrophic injury can run into the millions. Without dedicated catastrophic coverage, that exposure falls on the family and the program. We help schools, clubs, and associations secure the high-limit protection these rare events demand.
What's Covered
Frequently Asked Questions
Accident & medical handles the common injuries and their immediate costs. Catastrophic injury coverage sits above it with much higher limits, responding to rare, life-altering injuries that require lifetime care far beyond what a standard accident plan covers.
Primarily schools, colleges, athletic associations, conferences, and large youth programs — because a single catastrophic claim can be financially devastating to both the athlete's family and the institution.