Awesome answers to all your Qs

Navigating the ins and outs of insurance can make you dizzy. We know there can be loads of info,
so we’ve pinpointed the most popular Qs and put the answers in one spot.

General

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What is 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 bills. With pomi, our accident protection can help with the costs of those medical and dental bills so you pay less out of pocket.  

Who needs 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.  

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?

A pomi individual accident policy provides accident medical ($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 dental ($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 individual accident insurance cost?

On average, a pomi policy costs around $25 for a season.  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 up to 180 days.  It’s up to you.

Is pomi available in all 50 states?

Right now, our individual accident policy 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 we arrive in your state. 

Can I add multiple sports to my child's 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 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. 

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 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.  

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. 

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 must be between 7 days and 6 months.

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 division offices are in Charlottesville, Virginia.  Rating affirmed December 15, 2023.

Claims

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What if my child gets hurt? How do I file a claim?

We hate to learn when a child has been injured playing sports.  It can be stressful for them and for you as their caretaker.  We want to make sure your claims experience doesn’t add to your stress so we’ve tried to make it as simple and fast 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 along with any medical receipts or reports you may have from doctor visits. You can find your policy number on your policy documents.  If you need assistance, please email us at [email protected].

How long does the claim process take to complete?

The claims process varies on a case by case basis since each accident and injury is unique.  

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.

Still Curious?