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Insurance coverage for student-athletes

Student-athletes must have insurance covering athletic-related injuries to practice and compete, per rules adopted by NCAA institutions.

During NCAA championships, the NCAA provides supplemental insurance for student-athletes who are injured up to $90,000 in medical expenses—in effect doubling the coverage provided by the school (or a student's family insurance). Once that level is met, the NCAA catastrophic policy activates.

It’s important to understand that a student-athlete’s injury does not have to be catastrophic to be covered by the NCAA catastrophic program.  Simply having medical expenses exceeding $90,000 will trigger the program’s coverage.