Accident FAQ's

What is covered?

Accidental injury that occurs at USA Rugby sanctioned activities.

Who is covered?

All registered members of USA Rugby, including athletes, coaches, officials and referees who sustain an injury during a sanctioned rugby activity.

What is a sanctioned event?

A sanctioned activity is a rugby game or practice where all participants are registered, including clubs, players, coaches, referees and volunteers. In addition, your team must be fully compliant with sufficient number of players and registered coach with all club and player fees paid in full.

What if I am injured at an activity and I am registered but others are not?

USA Rugby's accident insurance will not cover any participant in any unsanctioned activity. Check with your coach or team administrator to verify all participants are registered prior to participating in any rugby activities.

Do I have to be CIPP registered to eligible for the insurance?

Yes, you must be a member of USA Rugby PRIOR to any injury in order to be eligible for coverage. Confirmation of your registration will be confirmed at the time your claim form is submitted to USA Rugby.

Who is the insurance carrier?

The insurance carrier is AIG, an A+XV Best rated insurance company.

What is a deductible?

The $1,500 deductible provided for those members who have primary insurance coverage can be met by payments made by the member as deductibles or co-payments under the member's medical insurance.
The $3,500 deductible provided for members who do not have primary coverage is the amount that must be paid 'out of pocket' by the member prior to the accident medical policy paying any portion of the claim.

If I have primary insurance coverage, should I file a claim?

If you have primary insurance, you MUST file a claim there first. This policy is an excess accident medical policy and is designed as a supplement to your medical insurance. After you receive the 'explanation of benefits' form from your medical carrier, you must submit a copy of the 'explanation of benefits' form to the excess carrier to adjust the balance of the claim.

My primary insurance coverage has co-insurance How does this insurance respond?

After the $1,500 deductible is met, benefits under the HSR policy are paid at 70%. This policy will supplement the unpaid remaining allowable charges/co-insurance by paying 70% up to the policy limit.

If I do not have primary insurance, how will this insurance respond?

Yes, there are exclusions. Please refer to Summary of Coverage on the USA Rugby Insurance page for exclusions. Please note, this is not a comprehensive list of exclusions. Others may apply.

Are there exclusions to this insurance coverage?

Yes, there are exclusions. Please refer to Summary of Coverage on the USA Rugby Insurance page for exclusions. Please note, this is not a comprehensive list of exclusions. Others may apply.

Is illness covered under this policy?

No, this is an Accident policy only. Only medical treatment as a result of a Rugby related activity accident at a sponsored or sanctioned event will be covered. Please do not try to substitute this insurance for a medical insurance policy that covers your total medical conditions. It will not provide this coverage.

What is a pre-existing condition and how does that affect my injury claim?

A pre-existing condition is a condition for which you have been previously treated by medical personnel. Conditions that may be considered pre-existing include repetitive motion injuries, or prior injuries to the same body part. These will be looked at very closely by the claims department to determine if your current injury is directly related to a prior injury and was simply a re-aggravation of a previous injury. Repetitive motion injuries are not 'accidents'. This policy is designed to assist you in covering the cost of accidental injuries

What is accidental death and dismemberment coverage?

These are benefits in the event of death due to a covered occurrence (while at a sanctioned rugby practice or event). Additionally, there are scheduled benefits due to the loss of a hand(s), foot(s), eye(s), speech, hearing and quadriplegia, paraplegia or Hemiplegia. Please refer to the Summary of Coverage.

How do I file a claim?

To file a claim go to and click on the "Membership" tab on top of the page. Click on the "Accident Insurance" and "Accident Claims" tabs. Follow the detailed instructions on how to file the incident report and claims with the insurance company. Please email if you have any questions.

How do I follow up on my claim?

You will be provided with instructions on how to follow up on your claim once the incident report is processed in the USA Rugby National Office.