Global Underwriters Student Sports insurance cost
Global Underwriters student sports insurance helps international students in the USA manage eligible medical expenses resulting from sports-related injuries and accidents. These plans provide coverage options designed to support students participating in sports while studying abroad, helping them focus on their education and athletic activities with greater peace of mind.
What Is Global Underwriters Student Sports Insurance?
Global Underwriters student sports insurance provides international students and other eligible travelers with medical coverage options for injuries resulting from covered sports activities while studying or traveling abroad. Certain plans offer an optional sports coverage rider that can extend benefits to eligible organized activities, including intramural, intercollegiate, and club sports.
Global Underwriters offers sports coverage options through plans designed for different travel needs:- Diplomat America: Designed for eligible non-U.S. citizens traveling to or visiting the United States, with coverage options that may include eligible sports activities when the appropriate rider is selected.
- Diplomat Long Term: Designed for eligible non-U.S. residents traveling outside their home country for extended periods, with optional coverage available for qualifying sports participation.
- Diplomat International Insurance Diplomat International Insurance is designed for eligible international travelers, students, and individuals who are outside their home country and need medical insurance while abroad. The plan provides coverage for eligible unexpected illnesses, injuries, and emergency medical expenses during the covered period.
- Sports Coverage: Eligible sports and activities may be covered when the appropriate optional rider is purchased, subject to the plan's exclusions, limitations, and benefit maximums.
Before purchasing, students should review the plan certificate and sports rider terms carefully, as covered activities, benefit limits, exclusions, eligibility requirements, and participation conditions may vary by plan.
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.
- 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 Global Underwriters Student Sports Insurance?
Global Underwriters student sports insurance is designed for eligible international students and travelers who need medical protection while studying or traveling outside their home country. Eligibility may vary by plan, so travelers should review the specific plan requirements before purchasing.
- International Students & Travelers: Available to eligible non-U.S. citizens or residents traveling outside their home country.
- Outside Home Country: Applicants generally must be outside their country of residence or home country when obtaining coverage, subject to the plan's eligibility rules.
- Australian Citizens: Certain Global Underwriters plans may not be available to Australian citizens.
- U.S. Citizens: Eligible U.S. citizens returning to the United States for a short visit may qualify for Diplomat America, subject to the plan's specific eligibility requirements.
- Sports Participants: Students participating in eligible recreational, intramural, intercollegiate, or club sports should verify that their selected plan and sports rider cover their intended activities.
Best Global Underwriters Student Sports Insurance Plans
- 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.
- 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.
- 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).
- 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.
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?
- International Students & Travelers: Available to eligible non-U.S. citizens or residents traveling outside their home country.
- 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 FAQs
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.
Generally, pre-existing conditions including previous sports injuries are limited or excluded. Review your policy documents or contact support for specifics.
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.
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.
Best Long-Term Travel Insurance Plans with Sports Coverage
I am looking for long-term travel medical insurance that includes coverage for sports activities while traveling in or outside the USA. I may need coverage for more than 3 months and would like to know if the plan can be renewed or extended during my trip.
Could you please recommend plans that include sports riders for organized or collegiate sports and explain the differences between the available coverage levels? I would also like information about COVID-19 coverage, policy maximum options, and minimum purchase requirements.
Regards,
Kara
Dear Customer,
Thank you for contacting American Visitor Insurance for your travel insurance needs. These policies can be used by US citizens visiting the US for three months or longer, or by non-US citizens while in the US OR by US citizens/residents traveling outside the US. You have the option to renew or extend coverage for a total of 12 months coverage. Both of these plans have two options for sports riders. There is an extreme sports rider and a collegiate sports rider. Each has three levels to it. If you are interested in sports coverage, be sure you choose the level that includes the sport in which you will be participating.
The LongTerm plan can be extended or renewed for up to one year. It must be purchased for at least 90 days the first time you buy it. The maximum options for this plan are $500,000 or $1 million.
To get a quote and/or buy the insurance:
The Diplomat America is another option which is not as flexible as the Long Term plan, but it also covers COVID-19 and can be purchased by US citizens for coverage in the US. It has a minimum purchase of 15 days. The maximum options for this plan are $50,000 $100,000 or $250,000.
If we can assist you any further with your purchase or should you require help after your purchase, feel free to give us a call or send an email.
Thanks,
Customer support,
The Team at American Visitor Insurance
- support_agent Customer care
- language www.americanvisitorinsurance.com
- call (877) 340 7910
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.