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A critical part of the NCAA’s mission to protect student-athletes is its catastrophic health insurance plan. This plan kicks in once injured student-athletes reach a $90,000 deductible, covering 100% of costs from then on. But what about the initial $90,000? Who covers that?

Unfortunately, families are responsible for the deductibles and copayments of their primary health plan, which can be as much as $18,900 in 2024. Supplemental accident insurance can cover those out-of-pocket expenses and make all the difference to the family’s financial stability and the player’s well-being and recovery.

However, an estimated 50% of DII and DIII schools don’t make this available because they’re concerned it won’t fit the program’s budget. And for those that do, the coverage comes with a lot of paperwork. ATs like you can spend hours a day managing claims—so much so that it keeps you away from training and teaching.

To do right by your student-athletes, you need solid coverage customized to your school’s needs and budget. But it would help if you also had a digital solution that eliminates paperwork. Fortunately, A-G has the accident plan insurance and technology that satisfy both requirements.

How A-G Catastrophic Coverage Solutions Work

A college basketball player dunks a basketball in a basket during a game. At A-G, we take care of people. We are just as committed to easing the financial burden of an injured student-athlete by filling the catastrophic health insurance gap as we are to easing an AT’s administrative burden. That’s especially important at DII and DIII schools, where many ATs are also busy in the classroom.

While DII and DIII schools are not required to have a base health insurance plan, they need to consider the benefits of having one to protect their players and their families from the high costs of out-of-pocket medical expenses. A-G offers solutions with coverage up to $90,000 under the catastrophic plan.

5 Ways A-G Helps Players and Schools:

1. You can choose from three types of accident plans to meet the specific needs of student-athletes while complying with the major U.S. collegiate sports governing bodies:

  • Secondary (Excess Accident) Injury Insurance
  • Catastrophic Injury Insurance
  • Participant Injury Insurance

2. You are set up with EGBAR (Efficiency Generating Business Automation Resource), our industry-leading claims technology. This lets us handle the participant accident insurance claims for you while you can:

  • View overall claims history
  • Generate reports for comprehensive risk management strategies
  • Check on the status of a claim in real time
  • Manage providers

Check out a complimentary EGBAR demo to learn more.

3. You have access to exceptional customer service. We have a 98% retention rate. You can trust you’ll always get the personal, expert attention you need and the results you want.

4. You save money because we work with more than 40 national provider networks to negotiate claims and maximize discounts so that you and the student-athletes get the best possible outcomes. And then, those savings can also help reduce premiums over time.

5. You will work with former ATs, business managers, and sports fanatics just like you—so you can relax knowing that we speak your language. We’ve been protecting schools, students, and athletes for more than 40 years and are proud to be a leader in the field of health insurance for catastrophic accidents.

A-G Understands Your Unique Situation

An athletic trainer looks at his clipboard while outside with his soccer team. At DIII schools, athletics and academics are closely intertwined, with many athletic trainers also serving as teachers or professors. A-G understands the demands placed on you and gives you back time with our comprehensive catastrophic health insurance solution. Gone will be the heavy lifting of clerical work and chasing down EOBs. With A-G on your team, you can focus on what you do best—caring for your athletes.

Request a no-obligation quote to learn more about what we can do for your student-athletes, your program, and you. By partnering with A-G, DII and DIII schools can ensure that their student-athletes are protected in the event of a catastrophic injury while also saving time and resources for their athletic trainers and other staff members.

For the past ten years, I have had the pleasure of working closely with A-G Specialty Insurance as they provide stellar service for the District’s student sports insurance needs.They understand the value of providing outstanding products that are competitively priced, benefiting a school budget that relies heavily on local funds. As a local, multi-generation family business, they have consistently provided reliable and committed service while working with our families to deliver the best possible outcome in their time of need.

Arthur J. McDonnell

Business Manager

Tredyffrin Easttown School District

Without a doubt, I can tell you that A-G Specialty Insurance is awesome! The staff at A-G is professional and courteous, focused on facilitating the care the athletes need, and they do it in a manner that saves their schools and organizations money…all while making the collection process easy for my staff. What else can I say — they get it and they are great!

Dr. William C. Meyers

Core Muscle Injury Surgeon

Founder, The Vincera Institute

A-G Specialty Insurance, A-G for ‘Always Game’. The team led by Dixon and Jake, are always game for a challenge, always game for performance at the highest level, and most importantly based on my experience and one who considers A-G a trusted partner of the University of Pennsylvania, always game for positive results and outcomes. A-G Specialty Insurance focus is client centric.

Benjamin Evans

Associate Vice President- Office of Risk Management and Insurance

The University of Pennsylvania


A-G has the experience to offer the best custom coverage for every program and the best customer service to ensure a worry-free process for every claim. The nation’s most competitive K-12, collegiate and youth programs Achieve Greatness with A-G!

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