What are the insurance requirements?
All Lawrence University student-athletes must provide evidence of an insurance policy that has a limit of at least $90,000 and also cover athletically-related injuries.
This is a prerequisite for practice and competition set forth by the NCAA. No student will be allowed to participate in any way until such evidence of current insurance coverage is on file with the Lawrence University Department of Athletics. This includes a photocopy of both sides of your insurance card and a more detailed insurance information which is entered in the Athlete Portal.
If you have questions regarding the terms of your coverage, you should contact your insurer immediately. Please be sure to note if there are any exclusions in your policy regarding athletically-related injuries or regional coverage. If your insurance does not meet these requirements, Lawrence University will review the individual circumstances.
Will the insurance offered through the school cover my athletic participation?
No, the Student Assurance Accident and Sickness policy offered through Lawrence University does not cover athletically related injures so therefore it is not a valid form of insurance for participation.
I do not have insurance, can I still play a sport at Lawrence University?
NO, you cannot play or practice until you have a valid insurance policy that meets the requirements above.
Where can I get insurance?
Most students have insurance through their parents' policy. If this is not possible, you can go anywhere to get a policy. Please, make sure it meets the requirements and it's duration is, at a minimum, the length of the season you are participating in. However, having a policy that covers the entire academic year is highly recommended, as student-athletes are participating in activities year round. If you need help finding a policy, please contact the Head Athletic Trainer or see below.
There are a few companies that have short term policies that cover athletic injuries. Dates should be, at a minimum, the duration of the season although the entire academic year is recommended.
WPS Instant Protection Plan
United Health Care Short-Term Plan
For international student-athletes, there are some student travel plans that cover athletic injuries.
HTH Travel Insurance: Global Student USA Plans
HCC Insurance StudentSecure: Budget and Select Plans ONLY
You can also contact Jan Liesse who may be able to help you find a policy that suits your needs.
Jan Liesse
Individual Health Consultant
Jan.Liesse@associatedfinancialgroup.com
Direct Line 920 497 5569
Toll Free 1 866 335 2227
What about the insurance through the NCAA?
The NCAA's Catastrophic Injury Insurance Program covers student-athletes who are catastrophically injured while participating in a covered intercollegiate athletic activity (subject to all policy terms and conditions). The policy has a $90,000 deductible. This coverage does not qualify as the basic coverage required for participation in athletics at Lawrence University. It is supplemental coverage in the event of a catastrophic injury. More information on this program can be found on the NCAA website.
My parents' insurance will be changing (sometime) during the season. What should I do?
You must notify the Athletic Training staff and update your Athlete Portal as soon as you know the new information so we can properly change it in your file.
My insurance has not changed since I gave you a copy of my insurance card last year. Do I need to give you a new photocopy or can you just carry over last year's copy?
We need a new copy of your insurance card with your name and sport printed at the top EACH YEAR.
If I get hurt playing a sport at Lawrence University and my insurance does not pay all my medical bills, will Lawrence University's insurance cover the balance, thus eliminating my out-of-pocket expenses?
NO, Lawrence University does not carry primary or secondary coverage on its student-athletes and will assume no responsibility whatsoever for the payment of, or authorization to pay, medical expenses resulting from injuries that occur while participating in intercollegiate athletics at Lawrence University. All athletes are required to carry their own medical insurance and are responsible for all costs incurred while playing sports.
I am a military veteran and have insurance through the Veterans Administration, therefore, I have no insurance card. What do I do?
Simply bring us a photocopy of your military ID as proof of VA insurance.
The following are some known insurance plans that DO NOT cover athletically related injuries (updated July 2013).
Student Assurance Services: Blanket Student Accident & Sickness Plan
HCC Insurance Company: Short Term Medical, Atlas Travel, and StudentSecure Smart plans
Assurant Health: Short Term Health Insurance
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