The Accident policy covers: all currently registered member players, coaches and officials; and those insured as Non-Members under the program while participating in a Covered Activity.

Covered Activities

Covered Activities are defined as the following for Players, Coaches & Officials:

1. Scheduled games, team practice sessions, camps, clinics, tournaments or sponsored activities, provided they are under the direct supervision of a team official.
   

2. Group Travel as a Team or as a group of officials, directly to or from such scheduled practices, games or sponsored activities.
   

3. Other sponsored and supervised activities, such as team or league meetings, banquets and usual, non-hazardous fundraisers are also covered by both the accident and liability policies. Examples of non-hazardous fundraisers are bake sales, car washes and other similar events. No coverage is provided for any event that includes fireworks.
   

4. In addition to the above, US Lacrosse Member Officials are also covered while officiating in any and all amateur lacrosse activities; and for their duties as an Assignor for any Lacrosse activities.
   

Coverage Description

The Accident Medical Insurance Plan pays the reasonable and customary charges for a covered injury to an insured if that injury requires treatment by a legally qualified physician, dentist or graduate nurse; confinement in a hospital; ambulance service from the site of the injury to the initial treatment facility; and services and supplies ordered by a physician.

The first expense must be incurred within 60 days of the date of injury; and any further expense must be incurred within two years of the date of injury.

All Accident Claims must be filed within 90 days of injury to be eligible for payment. For claims covered by your primary insurance company, you must file the claim with Bollinger, as soon as it practicable (i.e once payment has been made by your primary insurance company).

Cardiac/Circulatory Coverage: If a member dies within 48 hours of a Cardiac or Circulatory (Stroke) incident during a covered activity, this policy's Accidental Death Benefit will be paid to the member's family. Note that because this policy does not provide any other sickness coverage, no benefits for any medical expenses incurred as a result of the cardiac or circulatory incident are covered or payable.

Full Excess Coverage means that the policy will pay for covered expenses as a result of an accidental injury, which are not recoverable from any other insurance policy or any other health care or employee benefit plan. If the claimant has no health or medical coverage, the accident policy will pay benefits on a primary basis, after the deductible has been taken.

Note: The deductible under this policy applies to each claim regardless of payment by other (primary) insurance.

Officials’ Game Fee Reimbursement: In addition to the Accident Policy benefits, Officials are covered for Game Fee Reimbursement, to cover lost officiating fees if they are prevented from officiating at their regularly scheduled games due to an injury incurred while officiating during a covered lacrosse activity.

When submitting a claim for the Game Fee Reimbursement Benefit, member officials must include a schedule of the games they were assigned to officiate, as well as confirmation of their fee (compensation) from their assignor

Accident Policy Exclusions

This policy does not cover any loss, fatal or non-fatal, incurred or resulting from the following:

1. Suicide, or intentionally self-inflicted injury;
2. Infections except pyogenic or bacterial infections caused wholly by a covered injury or sickness;
3. Injury or sickness resulting from any declared or undeclared war;
4. Loss resulting from air travel, except as a fare-paying passenger on a commercial airline;
5. Expenses for treatment on or to the teeth, except for treatment resulting from injury to natural teeth;
6. Eyeglasses, hearing aids, and examination for the prescription or fitting therof;
7. Injury or sickness covered by any workers' compensation or occupational disease law;
8. Hernia, unless it results from a covered injury;
9. The insured being intoxicated or under the influence of any narcotic unless administered on the advice of a physician;
   

Underwriting Company:
The Accident Insurance Program is underwritten by Markel Insurance Company, Glen Allen, VA.  Markel is rated "A" by A.M. Best's rating service.

How to File an Accident Claim

If you are injured during a covered Lacrosse activity, you may obtain a claim form and instructions on filing the claim by clicking here: How to File a Claim

All claims are handled and paid by Bollinger, insurance administrator for US Lacrosse.

This summary is a brief description only of the coverages, conditions and exclusions of the policy, and in no way affects or alters the scope of coverage provided. For the full details of terms and limitations, please refer to the actual policy.