US Club Insurance Summary

US CLUB PLAYER INSURANCE

GENERAL INFORMATION

This policy provides coverage for accidental injuries incurred by Insured Persons, while participating in Covered Activities of US Club Soccer. This is a full excess policy, meaning insurance is payable in excess of any other valid and collectible health plan or insurance in force at the time of the accident causing injury. To be eligible for coverage, medical and/or dental expenses must be incurred within the Benefit Period. The underwriting carrier is United States Fire Insurance Company.

WHO IS COVERED

Under the accident policy, the following are covered as Named Insureds: US Club Soccer and its member clubs, teams and leagues; all registered players and players participating in try-outs (7 consecutive days or fewer); all member coaches and officials; volunteers of the team or league and other participants affiliated with the Association.

COVERED ACTIVITIES

Registered members and volunteers are covered when participating in the following covered activities:

  • Scheduled games, team practice sessions and sponsored activities, provided that they are under the direct supervision of a team official; or tournaments sanctioned by the Association, as a member of a contestant team.
  • Group travel directly to or from such scheduled practices, games or sponsored activities is covered under the Accident policy. The Liability policy provides Hired/Non-owned auto liability only for the official business of the Association.
  • No coverage is provided under the liability policy for parents, coaches or volunteers using any automobile to transport team members or volunteers to any practice, game or activity.

UNCOVERED ACTIVITIES

Some of the types of losses or expenses not covered by this plan are: Dental expense, except for treatment resulting from injury to natural teeth; suicide or self-inflicted injury; eyeglasses or hearing aids; injury due to participation in a riot; injury resulting from declared or undeclared war; cosmetic surgery, except for reconstructive surgery as a result of the accidental injury; infection, except pyogenic or bacterial infection as a result of the accidental injury; travel in any aircraft except as a fare-paying passenger on a commercial aircraft; injury that is eligible for coverage under workers compensation; being intoxicated or under the influence of drugs or narcotics; and claims occurring while hang-gliding or parachuting.

  • This is only a summary of the policy benefits, terms and conditions, and does not alter, broaden or limit coverage in any way.
POLICY LIMITS
  • Accident Medical/Dental maximum: $100,000
  • Accident Death & Dismemberment: $5,000
  • Deductible per claim: $500 (applies to each covered accident)
  • Co-insurance: 80/20
  • Benefit Period: 52 weeks from date of injury