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.
TLDR
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.
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