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The rising cost of healthcare and increased deductibles have caused parents of student athletes to consider the financial impact of a sports related injury when deciding whether their children should participate in sports. You can alleviate this worry in an inexpensive way by adding the best Accident Expense insurance plan in the market today.

There are many Accident Expense Insurance plans available. Most student athlete accident expense plans only reimburse you for a small portion of the initial medical expenses related to an accidental injury that occurs while participating in school sponsored athletics. American General’s Accident Expense Plus offers dollar for dollar coverage for all accidental injuries. You also have the option of covering only the student athlete or the entire family.

American General Accident Expense Plus Highlights

  • Scope of Coverage- Out of all the accident plans I have reviewed, American General's has the most complete coverage.A major exclusion most if not all other plans have is organized sports. American General's Accident Expense Insurance covers all amateur sports. For example if you have a son who plays high school football. He breaks his leg during a game. Other plans will not cover it, American General's Accident Expense will.
  • Coverage Amount- Most accident expense plans have coverage limits of $5,000 with some going up to $10,000. American General covers up to $15,000 per covered person per year.
  • Cost- When comparing coverage and premiums, I believe this is the best priced Accident Insurance out there.
  • Pays On Top Of Existing Insurance- When you read the fine print you realize most accident plans coordinate benefits with any existing insurance you may have. If you are covered for accident related medical costs by your health insurance the plan doesn’t pay out. This plan doesn't coordinate benefits and will pay you back even for costs that are covered by existing insurance.
  • Optional Critical Illness Protection- You can add critical illness protection which pays out a lump sum benefit after the first diagnosis of a covered critical illness.
  • Dollar for Dollar Coverage- Most student athlete expense insurance plans only pay a small portion of the initial medical expenses such as $100 toward emergency room treatment, $100 for ambulance, $10 towards doctor’s visit copays. This plan reimburses you dollar for dollar up to $15,000 per person. Deductibles range from $0-$500. There are limits and exclusions built into the plans to prevent abuse. Call 877-274-7635 for specific details.
  • Cover only the student athlete or the entire family

Call toll free (877)274-7635 to get signed up (Online and paper applications available). If you would like a premium quote, simply fill out and submit the form below.

Call 877-274-7635 to sign up for American General's Accident Expense Plus- Guaranteed Lowest Premiums

 
American General Student Athlete Accident Expense Brochure (pdf
American General Accident Expense Case Study(pdf)
American General Accident Expense Plus Client Guide(pdf)

Injury Facts- Nonfatal injuries affect millions of Americans. In 2009, 38.9 million people – about 1 out of 8 – sought medical attention. In 2008 about 27.9 million were treated in hospital emergency departments.

 

The economic impact of these fatal and nonfatal unintentional injuries amounted to $693.5

billion in 2009. This is equivalent to about $2,300 per capita, or about $5,900 per household.

 

These are costs that every individual and household pays whether directly out of pocket, through higher prices for goods and services, or through higher taxes. (Source- CDC injury facts 2011 edition)
American General Accident Expense Quote
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