Insurance Procedures

In the event that a student-athlete is injured while participating in a "Covered Sport," it is important for our office to know about any medical coverage they may have in order to avoid delays in injury management and claims processing. Therefore, as a requirement for any level of participation, all student-athletes must complete an "Athletic Insurance Information Form."  Please note that it is vital that all requested information be completed in its entirety. Also, any changes to your coverage must be reported and updated immediately to avoid injury or claims management problems. The policy holder, along with the student, must sign and date the Insurance Claim Form at the bottom of this page and return it to the Office of Sports Medicine before the student-athlete may participate in any KU athletic activities.

Supplemental Athletic Accident Insurance is provided by Kutztown University Student Services, Inc. (KUSSI) for the benefit of our student-athletes.  Effective with the 2014-15 year, Kutztown University's Supplemental Athletic Accident Insurance plan will have a $1,500 Deductible per injury claim.  The Deductible amount will be the responsibility of the student-athlete and can be met by the student-athlete's insurance provider or out-of-pocket monies.  Claim benefits will be paid only after Kutztown University's Intercollegiate Athletic Supplemental Insurance policy Deductible has been met. Under the terms of the policy, the coverage is considered secondary payor to all other valid and collectable medical insurance policies. Most notable would be parental insurance coverage through your place of employment under which the student-athlete is covered as an eligible dependent.

Government-funded insurance plans (such as Tricare, Medicaid, etc.) or Faith-based medical plans are NOT considered primary medical insurance. If a student-athlete has a government-funded insurance or faith-based plan, the student-athlete may sign a waiver to decline the secondary medical insurance provided by Kutztown University. Please contact the Director of Sports Medicine via email at or at (484) 646-4287 regarding this option.  

The KU Athletic Accident Insurance is comprehensive, but it has standard limitations. It does not cover expenses due to illness or non-athletically related injuries. It does not cover expenses incurred from "Off-Campus Non-KU Affiliated Physicians/Medical Specialists" unless a written referral, pre-approved by the University's Team Physician and/or a Sports Medicine Staff member, is obtained. It covers only "In-Network" Providers, unless sent by a member of the Sports Medicine Staff. Please note that all surgical treatments must have prior written authorization. Only those expenses incurred within a period of two years from the date of the injury are covered.  Catastrophic insurance is available through the NCAA and must be initiated within the same two-year period. Therefore, it is our recommendation that each student-athlete carry personal health insurance to cover these non-covered expenses, should they arise. A student-athlete's failure to carry personal health insurance for these expenses may delay non-emergency medical treatment, and therefore his/her return to competitive athletics. We suggest those student-athletes without personal health insurance look to purchase the "Accident & Sickness Insurance Plan" offered through the University's Health and Wellness Center. You may contact them at 610-683-4082.

If you have any questions or concerns regarding our Athletic Accident Insurance and its process, please refer to the Athletic Injury, Illness and Medical Care Procedures document. This brochure can be downloaded from this site or picked up in the Athletic Office and the Office of Sports Medicine. If you still have questions, please e-mail Rennie Sacco, Director of Sports Medicine.

All Injury Claim Form documents and instructions for Filing a Claim can be gotten from the Sports Medicine Office, located in Rm 124 Keystone Hall.