Intercollegiate Athletic Insurance Coverage
Intercollegiate Athletic Insurance is provided by Willamette University for the benefit of our student intercollegiate athletes to assist in payment for athletic accidents or related conditions that result in injury. This coverage is offered as an EXCESS OR SECONDARY plan. Under the terms of the policy, the coverage is considered a secondary payer to all other valid and collectable medical insurance policies. Most common would be parental insurance coverage through place of employment under which the student athlete is covered as an eligible dependent.
*Important Note: If you DO NOT follow the instructions of your primary medical insurance plan, the Willamette Athletic Plan will NOT cover your expenses at 100%. You will be responsible for paying the difference. Students are required to receive care where your primary insurance plan directs you.
If you have Kaiser or Group Health Insurance outside of Oregon, it will expedite treatment if an Oregon Kaiser number is assigned to you.
The Intercollegiate Athletic Insurance is comprehensive, but it has standard limitations. It does not cover expenses due to illness or non-athletic-related injuries. Only bills incurred within a period of 24 months from the date of the injury are covered. Catastrophic insurance is also provided through the NCAA and must be initiated within the same two year period.
Athletic–Accidents and Related Conditions
As defined by the insurance policy an athletic “accident means a specific unforeseen event which happens while the covered person is covered under this policy and which directly, and from no other cause, results in injury” that occurred during authorized practice or play. The policy also has coverage for athletic related conditions such as overuse, strains, tendinitis and stress fractures. An athletic related condition is defined as any athletic condition that is “caused solely by the covered person’s participation in a covered event; and that is not the direct result of a specific accident, provided such injury or condition first manifests itself while the covered person is covered under the policy. The Willamette University Intercollegiate Athletic Insurance policy has coverage limits for both types of injuries or conditions.
Previously Existing Injury
An injury that occurred prior to the athletes’ participation in or outside of a Willamette University sponsored intercollegiate sport event or practice or without yearly medical clearance through the Willamette University medical screening is considered a pre-existing condition. Though the Sports Medicine Team will provide treatment for a pre-existing injury, the Intercollegiate Athletic Insurance Plan does not provide coverage for these conditions. A medical release from attending physician should be provided to the training staff following treatment.
The student-athlete would be responsible for any expenses incurred while receiving treatment that was not covered by their primary insurance for injuries that occurred outside of a Willamette University sponsored intercollegiate sports event or practice.
Non-Athletic Related Injury
Injuries sustained outside of Willamette University intercollegiate athletics MUST be reported to a Certified Athletic Trainer at the student’s earliest convenience. If the student-athlete chooses to be seen by someone other than the University’s Health Center Medical staff or the Sports Medicine Staff, written documentation regarding the condition must be provided and reviewed prior to return to athletic activity.
The final decision whether a student athlete may participate in any varsity sport activity rests with the University’s Team Physician.