Athletes - Canadian and Non-Canadian
The full international student insurance will only cover up to $1,500 of expenses should medical treatment arise from participation in intercollegiate or interscholastic sports (i.e. intramural sports).
Note: Canadian students are NOT automatically enrolled in the full accident/illness/medical coverage through SUNY Potsdam.
SUNY Potsdam does NOT offer or provide any secondary insurance policy coverage for participation in athletics.
The National Collegiate Athletic Association (NCAA) has a Catastrophic Injury Insurance Program that covers medical costs exceeding $90,000. Meaning, your accident insurance and/or you must first pay $0.01 - $90,000 of medical expenses related to an athletically related injury before the catastrophic program will begin to provide coverage for additional medical expenses. Medical costs exceeding $90,000 and up to $20 million in lifetime benefits will be covered by the NCAA Catastrophic Injury Insurance Program.
Canadian and non-Canadian athletes must provide evidence of suitable accident insurance that covers athletically related injuries, with limits up to $90,000. Be sure you fully understand what your accident insurance policy will cover, not cover, at what levels and how i.e. what tests, what doctors, what your co-pays or deductibles are, do you pay for medical expenses out-of-pocket first and then seek reimbursement or will your accident insurance pay directly to the provider and bill you for any portion that is not covered, etc.
Remember - your accident insurance and/or you must first pay $0.01 - $90,000 of medical expenses related to an athletically related injury before the NCAA catastrophic program will begin to provide coverage for additional medical expenses.
Note: Parents, please ensure that your child has their insurance card or at least a copy of their insurance card with them at all times prior to beginning their college career.