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Why you should protect your little athlete with accident insurance

Here’s why you should protect your little athlete with accident insurance (and the money you could save).

Do you have an active child (or two, or four) at home who loves to live life full-steam ahead? Is there no fire hydrant they won’t jump or no hill too big to sled or bike or ski or tumble down?

A wonderful part of being a kid is the natural instinct to run, jump and play. And there’s hardly a better way to harness that energy than organized sports. 

Enrolling your child in sports can help boost their self-esteem, develop leadership and teamwork skills, relieve stress and create life-long healthy habits. On top of all that, sports give your child the opportunity to just have fun!

But unfortunately, sometimes sports can lead to injury. About 30 million American children and teens participate in an organized sport. And young athletes across the country experience more than 3.5 million injuries a year. 

Not only do injuries hurt your little athlete, but they can hurt your wallet too. An ambulance ride can cost between $224 to $2,204, depending on location. And the average treatment for a concussion without insurance can range around $18,454.

Even with a typical health insurance plan, you may be stuck with a lot of out of pocket costs associated with the accident that your plan doesn’t cover.

Here’s why you should protect your little athlete with accident insurance (and the money you can save by doing so).

How often are kids injured in sports?

More than 775,000 American children who are 14 and younger are treated in emergency rooms for sports-related injuries every year. 

Most of these injuries happen because of falls, being struck by an object and collisions. But not all sports are created equal. Some provide more opportunities for emergency room treatment for injuries than others:

  • Football is the perpetrator of most injuries, with about 210,000 children from 5-14 years old receiving emergency room treatment for injuries every year.
  • Ice hockey is a close second, with more than 200,000 children of the same ages needing emergency treatment for injuries every year.
  • More than 170,000 basketball players of the same age are treated for emergency room visits every year.
  • Nearly 110,000 baseball and softball players of the same age are treated for emergency room visits every year.

Playing a sport also contributes to about 21% of traumatic brain injuries among American children. 

How much does it cost to treat sports injuries?

Depending on where you live and the type of accident, treating medical emergencies and injuries can be a huge cost for many families. 

An ambulance ride can cost between $224 to $2,204, depending on location. And the average treatment for a concussion without insurance can range around $18,454.

Accident coverage for your active kids

Your accident coverage kicks in the second your child has a covered accident. Anything from a concussion to a broken bone to a dislocation or burn is covered by your plan.

The cash payment you receive from your child’s accident can be used from the beginning to the end of their treatment. From the ambulance ride to hospital bills to physical therapy or medication, you can use the cash to curb medical costs associated with the accident.

Not to mention all the non-medical costs that are covered, like transportation to and from physical therapy, groceries and childcare for other younger tykes at home.

Organized sports benefit

Here at Guardian, we like to encourage fun and play in your young athletes. But sometimes the intensity of a soccer or basketball game can sit your child on the bench with an injury.

That’s why we’ve created the Organized Sports Benefit for your dependent children (18 years old and younger).

If your child is actively enrolled in your accident plan, and they’re injured while playing an organized sport, your cash benefit payment increases by 20%. 

And if you’ve got a favorite family doctor, you don’t have to worry about finding a provider in-network. Your child can see any doctor they want. 

Lack of coverage shouldn’t keep your child from following their dreams on the field, court, or in the pool. The Organized Sports Benefit is just another way an accident insurance plan can provide a welcome financial safety net when your family needs it most.
 

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Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice.
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