FAQ

 

What is Sports Fee Insurance?

Sports Fee Insurance protects the non-refundable sports fees parents pay to the club/facility for their child to participate in select sports.

How does it work?

When the unexpected occurs, we will either reimburse parents a prorated portion of the fees they paid upfront, or we will take over future payments and pay the club/facility the remainder of the fees due for the season. Regardless if you pay the club 100% upfront or with an installment plan, we have you covered.

How much does it cost?

The plans start at 1.5% of the sports fee and go up to 2.5% or 5% with a minimum premium of $15, $25 or $50 depending on the coverage you choose.

Do families who purchase the policy for more than one athlete get a discount?
No. There are no discounts to insure multiple athletes within one family.
Is there a deductible?

No, there’s no deductible.

Is the premium a monthly payment or a one-time fee?

  It’s a one-time fee — we meant extremely affordable when we said that!

Is this medical/health insurance?

NO! Sports Fee Insurance covers the non-refundable sports fees paid to a sports club or facility.

How do I apply for coverage?

Our application process takes less than 5 minutes! Click here.

Do you cover season-ending injuries and short-term injuries?

YES, of course! We offer plans that cover both season-ending injuries and short-term injuries that require athletes to sit out for only part of the season.

Does this policy only cover injuries that occur during a game or tournament?

NO way! Our injury protection is comprehensive. Regardless if an athlete was injured at the playground, skiing over Spring Break, or playing another sport, we have you covered.

What else does Sports Fee Insurance cover?

We have three different plans to choose from. Each plan guards against accidents and season-ending injuries. We also offer plans with increased protection against unexpected job loss or relocation and short-term injury interruptions that require athletes to sit out for part of the season.

Do athletes have to get a physical to get coverage?

No, there is no medical examination or pre-screening required.

Aren’t the sports fees covered under the sports club/facility owner’s general liability insurance policy?
No. General liability insurance protects the club/facility owner against liability claims for bodily injury, and property damage arising out of premises, operations, products and completed operations, advertising, and personal injury liability. General liability insurance does not cover any uncollected fees or offer reimbursement for player fees paid to a sports club or facility.
How much will it cost my club/facility to offer Sports Fee Insurance?

Nothing, there is NO cost to the club/facility owner. There are no set-up fees, ongoing costs, commissions or any other investment required from the sports club or facility owner.

What types of sports clubs or facilities are covered?

Sports Fee Insurance is available to any sports club or facility that offers select team sports programs for a set fee. Typical select team sports programs include but are not limited to baseball, softball, soccer, basketball, volleyball, lacrosse, hockey and all-star cheerleading.

If I'm a club owner/director, can I include Sports Fee Insurance in my club fees?

Yes, absolutely! Click here to learn how easy it is.

Do I have to have a sports facility to offer Sports Fee Insurance?

No. In fact, many select sports teams across the country are owned by individuals that don’t have a brick and mortar location. We can help any select sports club or organization tell their parents about Sports Fee Insurance!

What do club owners or facility owners need to do to offer Sports Fee Insurance to their parents?

Simply contact us. We make it super simple for you…we provide a turn-key marketing and communications plan so you can focus on operating your club!

Can parents purchase Sports Fee Insurance directly through USSCI?
Yes! Click here to view our plans, or click here to apply. Our simple application form takes less than 5 minutes to complete.
Do club/facility owners need to send USSCI a schedule for all their games each season?
No, that is not necessary. Our intention is to make sure the process is as simple as possible, so the club/facility owner can focus on developing the athletes and growing a successful organization.
Who is covered under the policy?

Both the parents and the club/facility owner are beneficiaries. It’s a win/win! 

How long does the insurance coverage last?

Coverage for each athlete lasts through the end of the sports season whether it’s 3 months, 6 months, 9 months or even a full year. 

When will my insurance coverage go into effect?

Coverage is effective on the latter of either date of registration or at 12:01 AM following the receipt of the insured athlete’s full premium. The insured athlete’s full premium must be received before coverage begins.

Does the policy automatically renew each year?

No. This policy will cover the insured athlete’s club fees for each sports season up to one year. Insurance will need to be repurchased before the next season begins.

Is the coverage available to foreign exchange student athletes studying in the US?
Yes. Athletes who are lawfully present and residing in the US who pay sports fees to a participating sports club/facility can insure their club sports fee with us.
How do I file a claim?

It’s super easy and we handle all of the claims in-house. Simply fill out the claims form here or download the claims form PDF, fill it out manually and email it to claims@ussinsurance.com.

Can I file more than one claim each season?

Yes. With our Elite Plan, you may file multiple claims during your policy period up to the limit of insurance.

How do you determine how much can be recovered by the club/facility owner or reimbursed to the parent/guardian in the event of a claim?

The portion of fees that are recoverable to the club/facility owner or reimbursable to the parent/guardian is based on the covered term listed on the individual Certificate of Coverage, the date the athlete withdraws from the team and cannot finish the season, and the end of the season as defined on the individual Certificate of Coverage. Click here to see claim examples.

Who in my organization can benefit from learning more about Sports Fee Insurance?

Owners, directors, operations managers, CFOs, coaches, parents and athletes can all benefit.

Have a question we haven’t answered? Please contact us.

If your child can’t play... you shouldn’t have to pay!

Benefits of Sports Fee Insurance
Sports fees are non-refundable
but injuries happen.

Get Sports Fee Insurance. 

Sports Fee Insurance

US Sports Club Insurance

This website is intended to be only a summary. It is not all inclusive, nor does it alter or waive any of the actual policy conditions. If you have any questions, please call US Sports Club Insurance at 800-816-2506.