Youth Sports Insurance FAQs

Sports parents sacrifice and pay a small fortune for their kids to play on competitive and travel sports teams. But when the child is injured or gets sick, teams don’t usually offer refunds.  We can. With a Season Saver season interruption policy from pomi, if you (up to age 25) or your child misses all or part of the season, pomi can help by reimbursing you  up to 100% of the unused portion of your team registration fees. 

Any parent with a child participating in sports or an adult up to age 25 participating in sports should consider season interruption coverage.  It’s reasonably priced, starting at just $10, and can help protect your financial investment made to the team.  You don’t have to worry about flushing your money down the drain if an injury or illness happen.  

Covered reasons for cancellation include injury (like a broken bone or concussions) or an illness (like the flu or appendicitis).  

A Season Saver season interruption policy can pay you back up to 100% of the unused, nonrefundable portion of team registration fees as well as other fees paid directly to the team, like uniform fees. 

The maximum limit that can be reimbursed is $25,000.

This policy covers a cancellation if the player contracts COVID-19 and cannot participate. This policy does not offer coverage if the season is canceled due to COVID-19 or another pandemic. 

Coverage starts as 12:01am the day after you’ve purchased your policy.

Let’s say you paid $6000 for your child to play on a hockey team. The season is 6 months long yet half way through, your child suffers a concussion and misses the remaining three months.  Once you file a claim and provide proper documentation, we can refund you the unused, nonrefundable portion of your team registration fees, which in this case would be 3 months worth or $3000.  If the season is missed entirely, 100% of your fees could be reimbursed.

The maximum age for a Season Saver policy is 26. 

Individual accident insurance is a great solution to help your family in the event of a sports injury.  With rising healthcare costs, chances are your primary health insurance won’t cover all your medical and dental bills. With pomi, our Player Protect accident protection can help with the costs of those medical and dental bills so you pay less out of pocket.

If you’re a parent of a child who plays organized sports, an individual accident policy from pomi is designed with you in mind.  It helps protect you and your wallet in the event your child is injured while playing an organized sport.  Our policy helps cover costs for things like doctor visits, exams, treatments and more related to the sports injury.  We’re called peace of mind insurance because our policy helps protect you and your wallet if an accident happens, so you can just focus on your child and their recovery.  We offer up to $10K in medical coverage and up to $5K in dental coverage.

Currently our policies are for minors under the age of 18 only.  The policy holder must be their parent or legal guardian. Get started today. 

A pomi Player Protect individual accident policy provides accident medical coverage ($10,000 limit).  This would help cover medical expenses like doctor visits, physical therapy, tests and more for a covered injury.  The coverage also includes accidental dental coverage ($5,000 limit) to help cover dental expneses like X-rays and dental procedures for a covered injury.  Lastly, there is coverage for accidental death and dismemberment  ($5,000 limit) that would help cover costs if the covered injury results in loss of limb, paralysis or death.   As the policyholder (parent or legal guaridan) the policy also provides protection to you in case you are injured while watching your child play a covered activity (example, being hit by a foul ball during your child’s baseball game).

A pomi Player Protect policy costs is as low as $25.  It’s meant to be reasonably priced protection for parents like you.  You can choose to cover your child for a tournament, a full season or longer.  It’s up to you.

Right now our policies are for one child playing one organized sport but we are working to enhance this feature.  If your child plays more than one sport simply add another policy to cover their participation in the second sport.  There is no limit on the number of policies you can have per child. 

Right now our policies are for one child playing one organized sport but we are working to enhance this feature.  If you have more than one child simply add another policy to cover the second child.  There is no limit on the number of policies you can have with pomi. 

The maximum age for a participant to be covered with our Player Protect individual accident product is 18. Remember, the policyholder (usually the parent or guardian) can be over 18 and is also covered as a spectator.

If your child plays on multiple teams simultaneously for the same sport, we can cover them regardless of which team the injury occurs on, assuming the injury happens during the organized event and within the policy effective dates.

Pre-existing injuries are not covered unless the participant has been medically cleared to play again. Medical documentation will be required for claims submissions.

Player Protect was designed to help sports parents saving on the rising cost of healthcare. Sports injuries happen often and, usually, your primary health insurance doesn’t cover everything.  With Player Protect, you don’t have to settle for paying out of pocket for those unexpected expenses.  We can help pay for the medical and dental expenses associated with the sports injury. Example, your son is a pitcher and tears his UCL. Doctor visits, MRIs and rehab total $12,000. Your primary health care pays for $8,000 leaving $4,000 left over for you to cover.  With Player Protect, we can help pay that $4,000. 

No, you do not have to wait until the season is over if you have proper documentation to file your claim.

We hate to learn someone has been injured or become ill.  It can be stressful for everyone in the family.  We want to make sure your claims experience doesn’t add to your stress so we’ve tried to make it as simple as possible. If you need to make a claim, follow the instructions at getpomi.com/claims/.  

To file a claim please have your policy number handy.  For a Player Protect accident claim, please include any medical receipts or reports you may have from your doctor(s). If you are filing a claim for Season Saver, you will need a note from your doctor stating the date of illness or injury, a description of the illness/injury and how much playing time will be missed.  You will also need a note from your team organization stating the amount of team registration fees that are nonrefundable.  You can find your policy number on your policy documents.  If you need assistance, please email us at [email protected].

The claims process varies on a case by case basis since each accident and injury is unique.  We do our best to complete claims as fast as possible. 

A check in the amount covered by your policy will be sent to your address on file.

Yes, if you are injured or become sick more than once while your policy is in effect, you can file more than one claim.  

To check the status of a claim, please email our claims team at [email protected].