With over two hundred million American kids participating in youth sports and fitness activities every year, number of participants exposed to the risk of injury also increases.
As a responsible parent, you would want to ensure that your child is covered with apt medical insurance in case of an unfortunate event, instead of passing on the blame as to who’s responsible for it. Here’s some basic information about youth sports insurance to help you decide which insurance would best suit your needs.
About sports medical Insurance
If you and your family have a medical cover, most sports injuries are covered in the plan. There are no specific exclusions for sports per se. But just to be sure, you must read your insurance policy thoroughly or talk to your agent in detail to understand the extent to the coverage. Most existing plans cover sports physical as well, either as a deductible or through co-pay, depending on the type of plan you have.
You must also check if your child is covered while travelling for tournaments or games. If the travel is inside of United States, your child is most likely covered. But, you need to ensure that your child is covered even for International games and tournaments. If your child is travelling, it is recommended that you take travel insurance.
Although, there are some sports specific plans for insurance available. It’s recommended to check those plans as well to understand if a specific plan type would best suit the sport your child is playing.
In many cases, the sports organization or school may have an insurance cover for sports kids. You must check with your child’s school and sports organization both. You must also check the procedure for emergency response in case of an unfortunate event. Keeping this information handy will help you save time and get her all the attention (medical and emotional) that your child need if she is injured.
Insurance is not optional. If your child is playing, she is exposed to the risk of injuries, hence you must have her covered. Understand the existing insurance cover, extent of that cover and if it insures the specific sport your child is playing.