VCU Athletics has in place an excess insurance policy for sports accidents. This policy acts to supplement primary coverage that the student-athlete or his/her parent or guardian may have. All charges relating to approved medical services must first be filed with the primary insurance carrier. Should the student-athlete not have primary insurance, the VCU Athletics policy will cover the cost of medical services.

REQUIRED DOCUMENTS
Each academic year, an updated Parent Information Form (insurance information form) and a copy (front and back) of the athlete's current Primary Insurance Card must be submitted to the Athletic Department’s Insurance Coordinator.

COVERED SERVICES
Injuries experienced during play or practice of supervised athletics activities on behalf of VCU Athletics are covered under this NCAA-sponsored medical insurance program. Injuries incurred while traveling as a member of a supervised group on an authorized team trip on behalf of VCU Athletics are also covered.

DATES OF COVERAGE
All medical services must be approved by VCU Sports Medicine. Notification of injury must occur within 72 hours of the accident. Medical services are covered for 52 weeks from the date of the accident.

NON-COVERED SERVICES
 Pre-existing injuries or conditions and non-VCU Athletics injuries and illnesses are not covered by this policy. Medical treatment not approved in advance by VCU Sports Medicine is not covered.

PROCEDURE FOR FILING
In order to file a claim with the VCU Athletics insurance policy, the student-athletes must provide:
1) Itemized Statement of Services rendered by the medical provider
2) Explanation of Benefits from the student-athletes’ insurance company noting the amount paid
3) The student-athlete will be required to complete an insurance claim form with the Athletic Trainer.

Payment to the medical provider for approved charges will be made directly by the VCU Athletics insurance company.

HMO/PPO POLICIES
Student-athletes who have HMO/PPO policies are requested to include their insurance company’s requirements for filing claims along with the Parent Information Form submitted each year.

NON-ATHLETICS INJURY REFERRALS
VCU Sports Medicine can assist in making arrangements for medical care. The student-athlete is responsible for all charges, including any associated medication charges.

SECOND OPINIONS
A second opinion for an athletic injury may be obtained at the request of the student-athlete provided authorization is obtained from the Director of Sports Medicine. All costs associated with the second opinion are the responsibility of the student-athlete.