Global Underwriters Student Sports insurance cost
What is Global Underwriters Student Sports Insurance?
Global Underwriters Student Sports Insurance is a specialized medical insurance coverage designed for international students in the U.S. These plans offer optional riders that cover injuries sustained while participating in organized sports such as intramural, intercollegiate, and club sports activities.
Two main plans offer sports coverage:
- Diplomat America: For non-U.S. citizens visiting the U.S.
- Diplomat Long Term: For non-U.S. residents traveling outside their home country
Why choose Global Underwriters Student Insurance for Sports Coverage?
- Covers Sports-Related Injuries – Protection for medical expenses from intercollegiate, intramural, and club sports participation.
- Meets University Requirements – Satisfies many schools’ insurance mandates for student-athletes.
- Customizable Protection – Add sports riders for higher-risk or varsity-level activities.
- Global Coverage – Whether you’re studying in the U.S. or abroad, you’re covered.
- Peace of Mind – Focus on your game without worrying about unexpected medical costs.
What are the key highlights of Global Underwriters Student Sports Insurance?
- Students add these riders at the time of application to cover sports injuries, with premiums based on the risk category of the sport (low, medium, or high risk).
- Sports injury medical expenses are typically covered up to around $20,000.
- Sports coverage includes many sports such as baseball, tennis, basketball, rugby, and non-Division.
- This insurance helps international students meet many U.S. college/university requirements for sports injury coverage.
- Rider costs vary by sport risk level, roughly $12/month for low-risk, $26/month for medium-risk, and $80/month for high-risk sports.
- Coverage scope provides protection for medical emergencies arising from sports injuries during participation in organized sports activities on campus or clubs.
Who is eligible for Student Sports Insurance by Global Underwriters?
- Non-U.S. citizens or residents
- Must be outside their home country
- Not available for Australian citizens
- U.S. citizens returning for short visits may qualify (Diplomat America)
Best Global Underwriters Student Sports Insurance Plans
Diplomat America insurance
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Eligibility to buy Diplomat America Insurance
- Non US citizens and Non-US residents for visiting the United States.
- Coverage is NOT available for Australian Citizens.
- This plan does not offer coverage for any travel outside the United States.
- This plan is not available for citizens of Australia and Iran.
- This plan is NOT intended to cover any travel outside the United States, except for incidental trips to Canada, Mexico or the Caribbean Islands after you arrive in the US (see policy for details).
- Coverage is available for 2 adults, any unmarried dependent children ages 14 days until their 18th birthday or children traveling alone.
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Coinsurance
The plan pays 80% up to $5k of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit as a result of an Illness is available. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident.
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Diplomat America Insurance - Renewability
"The plan is not renewable”, if additional coverage time is needed, a new application must be completed. -
Diplomat America Insurance - Key Highlights
- It is an affordable plan for visitors visiting the US.
- Acute onset of pre-existing condition Covered up to 70 years.
- Plan is renewable for 15 days to 365 days.
- This plan is not available for citizens of Australia and Iran.
- This plan is Available for Green card holders.
- Athletic & Hazardous Activity Benefit Available
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Patriot Exchange insurance optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Additional AD&D- Purchase up to $100,000 of 24-hour Accidental Death & Dismemberment coverage. Benefits and exclusions are the same as base plan.
- Excess Benefits – All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.
Athletic and Hazardous Activity Rider- Provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.
- For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind Surfing; Zip Lining.
- For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $25.00 flat monthly rate: Aerial Photograph ; BMX; Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning ; Mountain Climbing ; Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing ; Scuba Diving ; Skydiving; Snow Skiing Off-Piste.
- High-Option additional $50.00 flat monthly rate: Big Game Hunting ; Diving with Sharks;Mountain Climbing ; Running with the Bulls;Security Detail .
- For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $12.00 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo ; Polo ; Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleybal.
- Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling ; Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing ; Ski Jumping; Wrestling.
- High-Option additional $80.00 flat monthly rate: Football ; Gymnastics; Rugby; Soccer.
Diplomat Long Term Insurance
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Eligibility to buy Diplomat Long Term
- Non US Residents while visiting the US.
- Individuals or families aged 14 days and older.
- Visitors to the USA or international travelers outside their home country.
- Visitors to the USA or international travelers outside their home country.
- Suitable for expatriates, tourists, business travelers, study abroad students, missionaries, and other long-term visitors.
- The plan requires a minimum purchase duration of 3 months (no shorter terms).
- Renewable coverage can extend up to a maximum of 3 years (36 consecutive months).
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Diplomat Long Term insurance Coinsurance
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Diplomat Long Term insurance pays 100%. And Outside the PPO Network the plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit. -
Diplomat Long Term insurance Renewability
This plan can renewable up to 3 years.
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Diplomat Long term Travel insurance optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Home Country Coverage RiderOffers limited coverage while in the home country.The plans pays 80% up to $50k of the covered expenses, then 100% to a maximum of $50k for incidental trips to home country or $10k for extension of benefits.
War Risk CoverageAvailable for Outside of the USA and the insured’s home country. More Details »
Additional AD&D- Purchase up to $100,000 of 24-hour Accidental Death & Dismemberment coverage. Benefits and exclusions are the same as base plan.
- Excess Benefits – All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.
Athletic and Hazardous Activity Rider- Provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.
- For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind Surfing; Zip Lining.
- For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $25.00 flat monthly rate: Aerial Photograph ; BMX; Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning ; Mountain Climbing ; Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing ; Scuba Diving ; Skydiving; Snow Skiing Off-Piste.
- High-Option additional $50.00 flat monthly rate: Big Game Hunting ; Diving with Sharks;Mountain Climbing ; Running with the Bulls;Security Detail .
- For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $12.00 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo ; Polo ; Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleybal.
- Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling ; Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing ; Ski Jumping; Wrestling.
- High-Option additional $80.00 flat monthly rate: Football ; Gymnastics; Rugby; Soccer.
Diplomat International Insurance
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Eligibility to buy Diplomat International
- Available for US residents traveling inside or outside the USA
- For ages 14 days to 99 years.
- Only permanent residents of the United States are eligible for the Diplomat International Plan. (Residents of US Territories are not eligible.)
- $5 policy fee is included
- Coverage is not available for travel in Afghanistan, Belarus, Iran, Israel, Libya, Nepal, North Korea, Palestinian Territories, Russia, Syria, and Yemen.
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key Highlights of Diplomat International
- Comprehensive plan for US residents traveling inside or outside the USA.
- Acute on set of pre-existing conditions covered
- Ideal for employees traveling for their company, business or leisure travel and individuals / families participating in leisure travel
- Coverage available from 5 days to 180 days
- Emergency medical evacuation covered up to $500,000
- Optional coverage for adventure sports and other sports activities
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Diplomat International plan is not renewable, if additional coverage time is needed, a new application must be completed.
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Diplomat International travel insurance for adventure sports
If You purchase this optional benefit, and if You suffer a Loss due to an Accidental Injury while practicing, training for, or participating in Adventure Sports as defined. Adventure Sports means non-professional and non-competitive sports activities that are generally performed for recreation and leisure, and which are not a Bodily Contact Sport, Extreme Sport, Interscholastic Sport, Organized Sport or Mountaineering.
Adventure Sports include but are not limited to:cycling, fishing, swimming, scuba diving for certified divers up to a maximum depth of sixty (60) feet and for uncertified divers up to a maximum depth of thirty (30) feet, snorkeling, white or black water rafting Grades 1-3, canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking, sailing, boating, downhill Skiing, cross country Skiing, snowboarding, snowmobiling, sledding or tobogganing, snow tubing, ice skating, resort-sponsored activities, and approved activities of the Travel Supplier.
Optional Bodily Contact, Interscholastic, and Organized SportsIf You purchase this optional benefit, and if you suffer a loss due to an accidental injury while practicing, training for, or participating in Bodily Contact Sports. Bodily Contact Sports means any competitive team sport in which players or participants may have direct physical contact with an opponent.
Bodily Contact Sports include but are not limited to: football, soccer, baseball, wrestling, ice hockey, rugby and lacrosse. Bodily Contact Sports do not include Adventure Sports, Extreme Sports, Interscholastic Sports, Organized Sports or Mountaineering.
Interscholastic Sports means any athletic contest or competition between accredited educational institutions if the participants are sponsored by the educational institution and are under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports includes the practice or training for the competition and the travel to or from such practice or competition in a vehicle designated by the educational institution, both while under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports do not include Adventure Sports, Bodily Contact Sports, Extreme Sports, Intramural Sports, Recreational Sports, club sports or Mountaineering.
Optional common carrier Accidental Death and DismembermentIf You purchase this optional benefit, the following coverage is available to You. The company will pay benefits for accidental injuries resulting in a Loss, as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any conveyance operated under a license for the transportation of passengers for hire during the trip. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss. The Principal Sum is shown on the Schedule of Benefits.
If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.
Table of losses:
Loss of Percentage of Principal Sum Life 100% Both hands or both feet 100% Sight of both eyes 100% One hand and one foot 100% Either hand or foot and sight of one eye 100% Either hand or foot 50% Sight of one eye 50% Speech and hearing in both ears 100% Speech 50% Hearing in both ears 50% Thumb and index finger of same hand 25%
Optional Riders for Sports and Activities
To cover sports and hazardous activities, you can add the Athletic and Hazardous Activity Rider. Premiums are adjusted based on the sport's risk level:
| Risk Category | Approximate Monthly Add-on Cost | Sports Covered |
|---|---|---|
| Low | $12 | Ballet, Baseball, Softball, Tennis, Swimming, Volleyball, etc. |
| Medium | $26 | Basketball, Ice Hockey, Martial Arts, Skiing, Wrestling, etc. |
| High | $80 | Football (non-Division I), Rugby, Soccer, Gymnastics. |
These rider costs are in addition to the base insurance plan premiums.
What are the exclusions in Global Underwriters Student Sports insurance coverage?
- Extreme sports and professional sports are generally excluded unless the insured purchases a special hazardous or extreme sports rider.
- Some varsity or collegiate sports under NCAA or NAIA may be excluded or require additional specific riders or endorsements.
- Pre-existing sports injuries are often excluded or limited in coverage. It's important to review the specific policy terms.
- Organized amateur sports, interscholastic, intercollegiate, and club sports are covered if the appropriate sports rider is purchased.
- Coverage is typically limited to medical expenses up to around $20,000 for sports injuries.
- Coverage does not pay beyond reasonable and customary charges and will not cover costs covered by another party or included in trip costs.
Global Underwriters Student Sports Insurance - Frequently Asked Questions
Yes, Global Underwriters student insurance plans offer specific coverage for medical emergencies arising from participation in organized sports activities. This protection is particularly valuable for students who are part of intercollegiate, intramural, or club sports teams.
The Global Underwriters travel insurance cost will depend on the age of the traveler, the type of coverage and the length of the journey. Typically, travel health insurance policies can start even as low as $1 per day but is much higher for older travelers.
Many student insurance plans, such as Diplomat America and Diplomat LongTerm, allow students to purchase an optional sports rider at the time of application. You can select the coverage based on the risk level of the sport (low, medium, or high). For higher-risk sports, additional charges may apply, and coverage amounts might be subject to specific limits (typically $20,000 for covered sports injuries).
The cost to add a sports coverage rider varies by the risk category of the chosen sport. For example, low-risk sports may be added for a flat monthly rate (such as $12/month), while higher-risk activities will cost more.
Yes, most universities in the U.S. require international students to have insurance that covers sports injuries if the student will participate in intercollegiate or club sports. Not all basic health plans cover these injuries, so a plan or rider specifically for sports is often needed.
Extreme or professional sports are usually excluded, and some plans do not cover varsity athletics governed by organizations like the NCAA or NAIA unless a particular add-on is purchased. Always check the list of covered and excluded sports in your policy documents.
Many U.S. universities require international students participating in sports to have insurance that specifically covers sports injuries — standard health plans often exclude these risks. Whether you're involved in low, medium, or high-risk sports, it’s vital to ensure your policy has appropriate coverage.
No, the plan is not renewable. You must submit a new application for extended coverage.
Non-U.S. residents traveling to or studying in the U.S. who are involved in sports activities can purchase Global Underwriters insurance plans with optional sports riders.
Generally, pre-existing conditions including previous sports injuries are limited or excluded. Review your policy documents or contact support for specifics.
Summary of Student Insurance for Sports
- Global Underwriters Student Sports Insurance is a specialized insurance coverage designed for international students in the U.S. participating in organized sports such as intercollegiate, intramural, and club activities. It provides medical protection specifically for sports-related injuries that are often excluded from standard health insurance plans.
- This insurance is important for international student athletes to ensure comprehensive medical protection specifically tailored for sports-related injuries during their studies in the U.S.
- Global Underwriters’ plans, students can also add an optional sports rider for higher-risk or varsity-level activities. Coverage typically includes medical expenses from sports injuries, meets many universities’ insurance requirements, and is available worldwide, including the U.S.
- Medical benefits help cover hospital stays, doctor visits, surgeries, and rehabilitation.
- Plans meet or exceed many university and athletic program insurance requirements.
- Coverage is available worldwide, including in the U.S., for eligible students.
- This plan is ideal for students studying outside their home country who want peace of mind on and off the field. Whether you’re a soccer player, basketball enthusiast, swimmer, or part of a running club, Student Sports Insurance makes sure an injury doesn’t sideline your academic or athletic goals.