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UMass Lowell Athletics

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Student Athlete Insurance Coverage

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UMass Lowell provides athletic insurance for its student-athletes under an EXCESS POLICY. All injuries sustained as the result of a regularly scheduled; supervised, game, practice, conditioning session, or from team travel is covered. However, the University's insurance carrier will only act on a claim once all other private insurance benefits are exhausted. It is the responsibility of the student-athlete to file all medical bills first with their primary insurance or prove to the satisfaction of the University's carrier that no other insurance coverage exists. Claim filing procedures are outlined below. The Athletic Health Care office must be notified of all off-campus medical referrals; relating to athletic injuries, for bills to be considered by the athletic insurance for reimbursement. All claims must be filed within 12 months of the date of injury. All claims must be submitted to AIG Benefits within 12 months of the date of injury.