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Author Topic: USA Hockey Insurance: The Forgotten Benefit  (Read 2271 times)

USA Hockey Insurance: The Forgotten Benefit
Topic: September 05, 2019, 07:38:18 AM
If an injury is sustained during a USA Hockey sanctioned activity, as a member you are entitled to insurance coverage by USA Hockey.

Over the past 12 months we've seen or heard of a few minor/major injuries such as broken bones, dislocations and concussions. Thankfully nothing worse.

All of which cost the parents a few hundred dollars to a few thousand or more in out of pocket expenses not covered by their insurance company.

All of which did not take advantage of the resource they're paying for when their kids(s) completes USA Hockey registration. When a player is registered as a USA Hockey member, they are automatically insured by USA hockey for an injury which requires medical attention while participating in ANY USA Hockey sanctioned event, on or off ice. Including practice and tournaments. This is not limited to players only, coaches and managers registered with a USA Hockey ID also apply.

One of our team members advised, while speaking from experience, 2 seasons ago they would have been out several thousand dollars had they not claimed their injury. It was the club president who curiously asked, "did you file a claim with USA hockey". He was informed they did not because they thought only players could do this. It was a players mother who was the team manager who sustained a major injury which required surgery and several months of rehab. The claim was reported and covered. All of the out of pocket expenses were recouped.

As noted in the title of this post, this benefit is typically disregarded and forgotten because the member is unaware of the coverage. You have 30 days after the initial injury was recorded to report to USA hockey. You're out of luck thereafter.

Do yourself a favor, if you're uncertain if your injury is covered, file a claim. You can start the process by clicking the claim link below or immediately contact your club registrar for all of the information.

Sidenote: Many have voiced their displeasure dealing with their claims. It is NOT a 1-2-3 process, ie. IT IS NOT EASY. Understand it takes a lot of time for the insurer to process the claim. Every receipt submitted is a single separate process on the claim. You do not get a lump sum check back, it's a series of reimbursement checks over several months.


Reply #1:
 September 05, 2019, 09:05:00 AM
Not mentioned in this article is that USA hockey requires a $1000 deductible before reimbursing any out of pocket losses.


Reply #2:
 September 05, 2019, 09:28:17 AM
I think this helps with bigger injuries, it didn't help with my sons broken finger. Its good to have for those more complex injuries that can be thousands of dollars.


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