What is Accident Medical Insurance?

Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.

Please note, however, that definitions of certain terms may vary across insurance companies.

This policy covers your organization’s athletes for:

  • Accidental death and dismemberment
  • Medical expenses such as physiotherapy, chiropractic hospital and ambulance
  • Loss of income Rehabilitation of sporting injuries
  • Repatriation of an injured athlete


Summary of program:

Coverage for practices, games, team travel. One plan covers all participants, managers, coaches, executives, and field officials throughout the entire season.

If, within one-year from the date of an Accident covered by this Certificate, Injury from such Accident, results in Loss listed below, we will pay the percentage of the Principal Sum set opposite the loss in the table below. If the Covered Person sustains more than one such Loss as the result of one Accident, we will pay only one amount, the largest to which he is entitled. This amount will not exceed the Principal Sum which applies for the Covered Person.

Loss Percentage of Principal Sum

  • Loss of Life 100%
  • Loss of Both Hands 100%
  • Loss of Both Feet 100%
  • Loss of Entire Sight of Both Eyes 100%
  • Loss of One Hand and One Foot 100%
  • Loss of One Hand and Entire Sight of One Eye 100%
  • Loss of One Foot and Entire Sight of One Eye 100%
  • Loss of One Hand 50%
  • Loss of One Foot 50%
  • Loss of Entire Sight of One Eye 50%
  • Loss of Thumb and Index Finger of the Same Hand 25%
  • Loss of a hand or foot means complete Severance through or above the wrist or ankle joint.
  • Loss of sight means the total, permanent loss of sight of the eye. The loss of sight must be irrecoverable by

natural, surgical or artificial means.

  • Loss of a thumb and index finger means complete Severance through or above the metacarpophalangeal

joints (the joints between the fingers and the hand).

  • “Severance” means the complete separation and dismemberment of the part from the body.

In California, loss of a thumb and index finger means loss by complete Severance of at least one whole phalanx of each

Limitations and Exclusions

No benefit shall be payable for any loss resulting directly or indirectly, wholly or partially from any of the following causes:

  1. purchase, repair, or replacement of eyeglasses, contact lenses or prescriptions thereof (except as otherwise provided);
  2. sickness or disease either as a cause or effect;
  3. any intentionally self-inflicted injury;
  4. any of the hazards of aviation except while riding as a fare paying passenger in a licensed aircraft operating on a regular scheduled service between airports;
  5. declared or undeclared war, invasion or civil war, or any act thereof;
  6. service in the armed forces of any country;
  7. any benefits that are available under any Government Health Insurance Plan, whether enrolled in such a plan or not;
  8. dental and/or other expense benefits shall be for the excess of expenses payable under any other benefit plan or policy;
  9. an insured person who is not a resident of any Canadian province that has enacted Medical Care Legislation unless stated specifically in this policy.

This insurance is subject to and shall not contravene any Federal or Provincial statutory requirements with respect to hospital or medical plans, nor shall it duplicate any benefits which are provided under any Federal or Provincial Hospital or Medical Plans, or any other policy providing a reimbursement indemnity.

Athletic Accident Claim Procedures

  • It is the responsibility of the Insured to obtain an athletic accident claim form from the association or club executive
  • The Insured or parent/guardian shall fully complete the claim form
  • For reimbursement of dental or medical claims, the Insured shall have the attending dentist or physician complete the applicable form
  • The Insured shall submit the completed claim form to the association or club executive for their signed certification
  • Written notice must be given within 30 days from the date of the accident
  • Proof of claim, including a report from the attending dentist or doctor, must be submitted within 90 days of the date of the accident
  • Completed claim form and all insured accounts for payment should be forwarded without delay to: