Sports injury insurance: questions parents ask
Plain answers about the Assurity Accident Insurance plans offered through PlayerCoverage.com.
What is sports injury insurance, exactly?
It is an Accident Insurance policy underwritten by Assurity Life Insurance Company. When a covered accidental injury happens, the policy pays a fixed cash benefit for things like the initial treatment, X-rays, ambulance, fractures, dislocations and concussions. The money is paid to you, not to the doctor, so you decide how to use it.
Is this health insurance?
No. This policy provides ACCIDENT INSURANCE ONLY and does not cover sickness. It is designed to work alongside your health plan by helping with deductibles, copays and the out-of-pocket costs that come with an injury. It is not a substitute for major medical coverage.
Does it only cover injuries during games?
No. Covered accidents are covered 24/7: games, practices, training, travel to and from activities, and everyday life off the field.
Which sports are covered?
The policy is not tied to a specific sport. Benefits are based on the injury, not the activity, so soccer, basketball, hockey, rugby, football, baseball and most other youth sports are treated the same. Some high-risk activities may be excluded; ask us about anything unusual.
How much does it cost?
Three plan levels are offered: Base at $6.76/month, Advantage at $9.37/month and Complete at $13.98/month. Quotes are informational only. Final premium is subject to the application, underwriting and your state.
What is the difference between Base, Advantage and Complete?
The plans cover the same list of injuries and services; higher tiers pay larger benefits. For example, a non-surgical lower-leg fracture pays $825 on Base, $1,238 on Advantage and $1,650 on Complete. A concussion pays $50, $75 or $100. See the plan table on the main page for the full comparison.
How are fracture and dislocation benefits calculated?
The amount depends on the bone or joint involved. Listed benefits are for non-surgical treatment; if surgery is required the benefit doubles. Chip fractures and incomplete dislocations pay 25% of the listed benefit.
What ages can be covered?
The plans are built for youth athletes. Eligibility and age limits are set by the policy and can vary by state, so share your athletes' ages when you request a quote and we will confirm.
Can I cover more than one child?
Yes. Tell us how many athletes you want covered on the quote form and we will price each one.
How do I file a claim?
Contact us or Assurity after the injury, provide the treatment records, and the benefit is paid directly to you once the claim is approved. We can walk you through the paperwork.
Where is this available?
Eric Robinson is licensed in California, Delaware, Georgia, Oregon and Texas. The policy is not available to residents of New York. Product availability, features, rates and exclusions vary by state.
Does requesting a quote commit me to anything?
No. A quote is not an offer of insurance and does not bind coverage. Consent to be contacted is not a condition of purchase.
Still have a question? Call 227-257-9679 or request a free quote.