Accident Medical Insurance Coverage

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The Accident Medical Insurance policy is important coverage for youth and amateur sports teams, leagues, and companies.

While participating in youth and amateur sports activities, accidents and injuries will happen. With football, broken arms and torn ACLs are very common; with basketball, twisted ankles and broken noses are more common. In the event of an injury to a player, coach, volunteer, or official arising from practice or play, an accident medical policy can help pay some or all of the medical bills associated with treating the injury.

Sports groups want to ensure that, in the case of an injury to a participant, the participants can have a significant amount of their medical bills paid without causing financial hardship to the participant. This coverage gives both the group organizers and players’ parents peace of mind that there won’t be big out-of-pocket expenses for non-catastrophic injuries.

The standard accident medical policies provided by eSportsInsurance are secondary excess policies. This means that if the injured participant is covered under a standard (primary) healthcare policy, that policy will pay out first. The remaining covered charges left over after the primary healthcare policy pay out will be paid out of the excess accident medical policy, up to the policy limits and subject to the deductible. Benefits are provided for covered charges incurred up to 365 days after the date of the accident.

If a participant does not have a primary healthcare policy, this policy will act as a primary policy.

Standard accident medical benefits are $25,000, $50,000, and $100,000. Additional benefits may be available upon request. An aggregate limit may also apply.

All accident medical policies do have a deductible, as well. The deductible is the amount that the claimant must first payout of pocket before the accident medical policy will begin to pay covered charges. For instance, a policy with a $250 deductible would require that there be covered charges in excess of $250 and that the claimant pays that $250, before the accident medical policy, pays out.

Standard deductible amounts are $0, $100, $250, $500. Additional deductible amounts may be available upon request.

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Customer Feedback

  • Proper Coverage. Responsive.

    Rhonda has been a pleasure to deal with over the last several years. She has been very responsive to our request and helped us get the proper coverage at a good price. I would highly recommend her for your sports insurance needs. We have been dealing with them for over 10 years and their service is great.
    Greg Morris
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    Terry L. Green & Associates are top-notch in communicating with their clients. They are also truly a company with a heart.
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    We have a big organization with all different kinds of sports. Rhonda and her team get things done immediately. Nothing is ever a problem. We have been here for over 10 yrs
    John Kelly
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    This is our first experience with eSportsInsurance and we are very happy with the service, knowledge, and professionalism they have provided. Rhonda Crook has been an excellent point of contact for our agency as we play flag and tackle football and cheer coverage with their program. The application process is easy to follow. We look forward to a long-term relationship!
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    Our dealings with eSportsInsurance were very professional and when there was a COI info issue it was corrected and a new COI was sent to us in minutes. Customer Service and professionalism from them is exactly what everyone wants... Excellent. Thank you
    David Widener
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    We have been with Esports for 6-7 years now as our insurance carrier for our rec baseball league, and it is so easy. Rhonda and her group have always responded to emails and got our quotes to us in a timely fashion. They also have helped us when we had to add some insurance on we didn’t know we needed to carry. I recommend this group for any of your insurance needs!
    Joseph Rafferty
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    Absolutely the easiest company to deal with. Very helpful and very quick response.
    Jared and Kim Snyder
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    I've been working with Rhonda since my gymnastics business opened in 2016. I've had a great experience and definitely recommend working with this company!
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    eSports Insurance puts their clients FIRST and goes that extra mile to ensure all of our insurance needs are met. Thank you for the personal touch.
    Quest Youth Organization “Quest Youth Organization”
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    Always a fast response and provides us with excellent customer service, advice and support. Continually go above and beyond expectations.

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    Most professional. Gracious and anticipated my needs. Highly recommend!
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