Insurance Information and Procedures

The following information outlines the insurance procedures for injuries suffered while participating in varsity athletics at The College of Wooster. It is important that all athletes and their parents read and understand the coverage that is available. 

Coverage for expenses resulting from injuries suffered while participating in intercollegiate athletics at The College of Wooster is provided through a combination of: 

• The student’s personal insurance OR College of Wooster Student insurance (if enrolled)
• The College’s athletic insurance policy   
• The NCAA Catastrophic Insurance policy 

1. Expenses incurred from any athletic injury must first be submitted to any available personal or family insurance.

2. Students participating in intercollegiate athletic activities are covered by an additional accident policy for injuries incurred during practice or play. This policy provides benefits on an excess basis after other medical plans and insurance benefits are exhausted and a $2,000 deductible is satisfied. The intercollegiate athletic policy has a $90,000 limit per incident. For such claims, the student’s family insurance plan is primary, and the intercollegiate accident policy is the final payer. Submission of the claims is the responsibility of the student athlete. Claim forms are available in the Athletic Training Room. Submission will require Explanation of Benefit (EOB’s) from the primary insurance as well as itemized bills. 

** The intercollegiate policy ONLY covers injuries incurred while participating in official team practices or contests. Injuries suffered during out of season activities, “captain’s practices”, etc., are the responsibility of the student athlete.           
3. In the unlikely event that a claim exceeds $90,000, the NCAA catastrophic policy covers all additional medical expenses.  Depending on personal insurance coverage, the possibility of out-of-pocket expenses does exist. The only coverage provided by the college is the intercollegiate sports policy, which has a $2,000 deductible. The student-athlete is responsible for all expenses, including deductibles and co-pays up to that point. 

It is extremely important to review your personal insurance regarding coverage availability in the Wooster area. If your personal insurance does not provide good network/provider coverage in the Wooster area, we strongly encourage enrollment in an additional plan to avoid significant out-of-pocket expenses. 

**For up to two years after student-athletes separate from school or voluntarily withdraw from athletics, the NCAA carries a policy to assist with medical expenses accrued from athletically related injuries sustained during participation in a qualifying intercollegiate sport. To file a claim, visit www.posteligibilityinsurance.com