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Youth Sports Insurance FAQs

General

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Who is pomi?

Glad you asked!  pomi is an acronym for peace of mind insurance.  We are the Accident and Health division of Great American Insurance Company. Great American has a strong reputation in the insurance industry dating back 150 years and has an A.M. Best rating of A+ (Superior).  Our corporate headquarters are located in Cincinnati, Ohio and our divisional office is in Charlottesville, Virginia.  Rating affirmed December 15, 2023. 

Is pomi available in all 50 states?

Our individual accident policy (Player Protect) is available in the following states:  Florida, Texas, Arizona, Georgia, California, North Carolina, South Carolina, Tennessee, Maryland, Michigan, Delaware, Illinois, Ohio, Washington, Wisconsin, Missouri, Iowa, Kansas, Oregon, Utah, Maine, New Hampshire, Colorado, Alabama, Nebraska, Arkansas, Connecticut, Mississippi, Louisiana, Oklahoma, Idaho and Kentucky.

We are rapidly expanding across the US.  Sign up here to be notified when our sports accident policy is available in your state. 

Our season interruption policy (Season Saver) is available in the following states:  Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, DC, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wisconsin, Wyoming. 

We are rapidly expanding across the US.  Sign up here to be notified when our season interruption policy is available in your state. 

I lost the email with my policy information. How can I find it?

If you need to obtain a new copy of your policy, please go to the dashboard.  If you haven’t created a log in, you will need to do so first in order to gain access to your dashboard and policy documents.  If you need help, please email us at [email protected]

How can I update my policy?

To update your policy, please fill out this form.  We will review your request and be back in touch with you to confirm your changes within a few days. 

How can I cancel my policy?

To cancel your policy, please fill out this form.  We will review your account and be back in touch with you to confirm your cancellation within a few business days.  

Can I purchase coverage after the season started?

Yes you can.  Choose the start and end date you’d like, answer a few questions and you’re done! Coverage starts at 12:01am on the day after purchase.

Does my child need a physical exam before purchase?

No! You do not need a physical exam to purchase coverage.

What if I don’t know the exact season start and end dates?

Give us your best estimate. If there’s a claim, we may verify the actual season dates.

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What is Season Saver insurance?

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. 

Who needs Season Saver insurance?

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.  

What cancellation reasons are covered?

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

What fees are covered?

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. 

What is the maximum amount I can be reimbursed?

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

Does this policy cover a season-ending pandemic like COVID-19?

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. 

When does coverage start?

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

Explain how I get my team fees refunded.

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.

Is there a maximum age?

The maximum age for a Season Saver policy is 26. 

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What is Player Protect individual accident insurance?

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.

Who needs Player Protect individual accident insurance?

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. 

What are the coverages and limits for Player Protect?

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).

How much does Player Protect individual accident insurance cost?

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.

Can I add multiple sports to my Player Protect policy?

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. 

Can I add multiple children to the same Player Protect policy?

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. 

Is there a maximum age?

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.

What if my child plays for multiple teams?

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.

Are pre-exisiting conditions covered?

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

Explain how Player Protect can help me save money on medical and dental bills.

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. 

Claims

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Do I have to wait until the season is over to file a claim?

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

How do I file a 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/.  

What information do I need to to file a claim?

To file a claim please have your policy number handy.  For a Player Protect accidetn 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].

How long does the claims process take to complete?

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. 

How will I be reimbursed for a covered claim?

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

Can I file multiple claims on a single policy?

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

How can I check the status of a claim?

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

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