Frequently asked questions
No physical examination or questionnaire of any kind is required to purchase Sports Refund coverage.
Sports Refund reimburses amateur athletes when illness or injury keeps them from playing their sport. Knowing that they will be compensated for lost playing time, Sports Refund increases the likelihood that all injuries are reported, even those that athletes might rather ignore, reducing long-term health risks.
Sports Refund coverage is effective as soon as it is purchased.
Sports Refund reimburses athletes for the cost of registration fees and any other expenses paid directly to the sports organization.
Unfortunately, Sports Refund cannot cover pre-existing conditions. If, however, an athlete returns to full participation and is re-injured, Sports Refund will cover any further lost playing time.
Simply estimate the total amount of coverage that you would like and we will calculate your rates based on that value.
Provide Sports Refund with your closest estimate of the season’s start date and the end date. Because claims are based on the amount of time lost due to illness or injury, we may verify actual dates prior to paying a claim.
Currently, we limit policies to $10,000 per player per season. If you anticipate requiring even more coverage, please call us at 800-409-4950 and we may be able to help.
Sports Refund will send you a Explanation of Coverage as well as a copy of the Master Policy.
As registration fees for amateur athletics continue to rise, Sports Refund is one of the most cost-effective ways for families to protect their investment in sports programs.
Simply complete a claim form on our website. If you are confident this is a season-ending injury, you can submit right away. If you are hopeful you’ll return this season, submit the claim for time lost when you return to the team.
If you have an unusual circumstance, you can always contact us at firstname.lastname@example.org.
Claims calculations are prorated based on the percentage of time lost in the season.
At Sports Refund, we know that athletes want to compete. For those situations where an athlete may – or may not – return to competition before the end of the season, we allow your athlete to play in the championship game or playoffs, even if you have filed a season ending claim. Simply contact us at 800-409-4950 and we can calculate the amount of insurance you will need to return to Sports Refund.
Most policies are written with a fourteen day exclusionary period (the waiting time before a claim can be paid). That means that an athlete who loses five days would NOT be able to file a claim. If your athlete, team, or organization would like to explore policies with shorter exclusionary periods (or no exclusionary periods at all), contact us at 800-409-4950 to discuss.
No. If a player is out for the remainder of the season, you may file a claim immediately. HOWEVER, in the event that the player’s recovery process is faster than expected (or the season extends longer than originally anticipated), overages need to be repaid prior to the player returning to competition.
Sports Refund coverage must comply with the rules and regulations of each state in which it is sold. To ensure compliance with state regulations, we require third-party confirmation of all claims paid.
The Benefit Waiting Period means that if an athlete is unable to compete for 14 or fewer days, they will not be eligible for a refund.
If, however, an athlete is unable to compete for 15 or more days, they will be reimbursed (on a pro-rata basis) for the portion of the season lost due to their injury, accident or illness. The calculation for the total number of days lost will begin on the first day that they are unable to compete.
Currently, Sports Refund covers the following sports/activities:
Football – Flag
Football – Tackle
Track & Field
In addition, we are always interested in adding sports and activities. Feel free to email us at email@example.com with your suggestions.
Sports Refund will refund expenses related to registration fees and/or any other fees paid directly to the athletic organization and/or the designated payee for that organization.
Sports Refund calculates a loss based on the percentage of the season lost due to illness or injury. That percentage is multiplied by the total (covered) expenses for that season to arrive at a loss amount.
Yes, Sports Refund covers a COVID-19 diagnosis in the event that an athlete contracts the virus and tests positive.
No, Sports Refund does not cover shutdowns, whether they are related to COVID-19 or for another cause.
Sports Refund only covers athletes who test positive for COVID-19.
There is no minimum age for which Sports Refund coverage applies.
The current maximum age for an athlete to be protected by Sports Refund coverage is 25 years old.
Many of today’s competitive athletes play for multiple organizations, often simultaneously. With Sports Refund, you can purchase multiple policies to be sure that in the event of an illness or injury, you will receive a refund for ALL programs.
Though we completely respect the importance of health insurance, Sports Refund is NOT health insurance.
Health insurance ensures that in the event of covered illness or injury, you are reimbursed for expenses that you MAY incur at a future date.
Sports Refund, on the other hand, ensures that in the event of most any illness or injury, you are reimbursed for expenses that you have already paid.