Why Parents Need Sports Accident Insurance For Their Children

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Hi parents!

As parents, we all want the best for our children. We strive to provide them with love, care, and endless support. And when it comes to their participation in youth sports, we cheer them on from the sidelines, beaming with pride. But let’s face it, accidents happen. Whether it’s a sprained ankle, a broken bone, or a dental injury, sports-related mishaps can occur when we least expect them.

Did you know that in the United States alone, approximately 30 million children and teenagers take part in organized sports activities? It’s incredible to see the passion and enthusiasm they bring to the field. However, it’s important to note that with such active participation, there’s also a higher likelihood of injuries occurring. In fact, every year, more than 3.5 million sports-related injuries are experienced by these young athletes, resulting in some loss of participation time. Astonishingly, almost one-third of all childhood injuries are sports-related.

That’s why we’re here to talk about a topic that may not always be top of mind but is incredibly important: accident insurance. Yes, we know insurance can sometimes feel like a complicated subject, but trust us, it’s one worth exploring, especially when it comes to protecting our youth athletes.

In this comprehensive blog, we’re going to delve into the question, “Why do parents need accident insurance?” We’ll explore the benefits, the peace of mind it provides, and why it’s a valuable investment for your family’s well-being. Because when it comes to our children’s safety and security, being prepared for the unexpected is a priority we can’t afford to overlook.

What is Accident Insurance

Accident insurance is a form of coverage that provides financial protection for unexpected injuries resulting from accidents. While your primary health insurance may cover many medical expenses, the truth is that healthcare costs are on the rise, and not everything may be fully covered. That’s where accident insurance steps in to lend a helping hand.

Here’s how it works: If your child experiences an injury while participating in a youth sports activity, our accident protection kicks in. Instead of bearing the full burden of medical and dental bills out of your own pocket, our insurance can help cover a portion of those costs. This means you can worry less about the financial implications of an accident and focus more on supporting your child’s recovery and well-being.

Accidents can happen at any time, and they can be unpredictable. Whether it’s a sprained ankle, a broken bone, or a dental injury, medical treatments and associated expenses can add up quickly. That’s why having accident insurance is such a valuable resource for parents like you. It offers you peace of mind, knowing that you have a safety net to fall back on when the unexpected occurs.

We understand that as parents, you want the best for your young athletes, and that includes their well-being on and off the field. So, let’s take a closer look at a few important reasons why personal accident insurance might be just what you need to ensure the safety and financial security of your child.

Health Insurance Doesn’t Cover Everything

Let’s face it, parents. While having health insurance is essential for your family’s well-being, it doesn’t always cover everything. When it comes to sports injuries, there may be certain treatments, therapies, or even specialized equipment that your primary health insurance may not fully cover. That’s where accident insurance comes in handy. It acts as a safety net, filling in the gaps left by your primary health insurance, and helping to alleviate the financial burden that can arise from unexpected accidents on the sports field.

It Covers All Types of Sports

No matter what sports your child participates in, our accident insurance has got them covered. Take a peek at some of the most popular sports we cover:

  • Football
  • Basketball
  • Baseball
  • Soccer
  • Cheer
  • Volleyball
  • Softball
  • Gymnastics
  • Track & Field
  • Winter Sports
  • Water Sports
  • And More

Whether they’re playing soccer, basketball, baseball, gymnastics, or any other sport, our sports accident policy is designed to provide comprehensive coverage. We understand that each sport comes with its own set of risks and potential injuries, and our goal is to ensure that your child is protected no matter what activity they’re involved in. So go ahead, let your child pursue their passion, and we’ll be there to offer the necessary support if an unfortunate accident occurs.

Our Policy Follows the Athlete

One of the great things about our accident insurance is that it follows your child wherever they go. Whether they’re playing sports during organized team activities, at a sports camp, game, tournament, or just practice, our policy remains in effect. This means that your child is protected not only during official games and practices at their home field but also wherever they travel to for sports activities (within the United States). We understand that accidents can happen anytime, anywhere, and our coverage is designed to provide peace of mind to you and your child, no matter the circumstances.

Common Injuries

When it comes to youth sports, some injuries are more common than others. Sprained ankles, broken bones, concussions, dental injuries—these are just a few examples of the types of injuries that can occur. Our sports accident insurance is designed to address these common injuries and more. From medical treatments to dental procedures, our coverage helps to ease the financial burden associated with these unfortunate incidents. We also have coverage for expenses like physical therapy, medical scans, and physical therapy.  There’s even “spectator coverage”, meaning that if you as the policyholder/parent were to sustain an injury while watching your child’s game, your injuries can also be covered. We believe that your child’s well-being should be the top priority, and our comprehensive coverage is here to support you both through the recovery process.

Comprehensive Coverage

At pomi, we strive to provide the best comprehensive coverage for your child’s accident insurance needs. Our policy includes a wide range of benefits, such as medical expenses, dental treatment, hospital stays, ambulance services, and even specialized therapies or equipment if necessary. We believe that your child’s health and recovery should be the primary focus, without the added worry of financial stress. That’s why our coverage is designed to be as comprehensive as possible, ensuring that you have the support you need during challenging times.


We understand that budgeting for insurance is an important consideration for every family. That’s why we’ve made our accident insurance affordable and accessible. We want you to be able to provide the best protection for your child without breaking the bank. An average policy is right around $25 a season, that’s less than snacks for the team! With our competitive rates and flexible payment options, we strive to make accident insurance an affordable investment in your child’s well-being. After all, peace of mind shouldn’t come at a high cost.

At pomi, we are dedicated to providing comprehensive coverage that addresses the specific needs of young athletes. We believe that every child deserves to pursue their passion for sports without parents worrying about the financial aftermath of an accident.

So, if you want to ensure that your family is prepared for any unfortunate incidents on the sports field, consider pomi accident insurance. Our goal is to support you and your child, allowing them to thrive in their sports activities while giving you the reassurance that you’re backed by a reliable insurance plan.

Remember, accidents and injuries are a part of life, but with the right coverage, you can navigate through them with greater peace of mind. Reach out to us today to learn more about how pomi can help protect your family and provide the financial support you need.

Help protect your child and your wallet now with accident insurance from pomi.




These posts are for informational purposes only and should not be considered as specific financial, legal or tax advice. Depending on your individual circumstances, the strategies discussed in this post may not be appropriate for your situation. Always consult your legal or tax professionals for specific information regarding your individual situation. In providing such information, Great American does not warrant that all potential hazards or conditions have been evaluated or can be controlled. The liability of Great American Insurance Company is limited to the terms, limits and conditions of the insurance policies underwritten. ©2024 Great American Insurance Company. All Rights Reserved. Great American Insurance Group’s member companies are subsidiaries of American Financial Group, Inc. (AFG). AFG is a holding company whose common stock is listed on the New York Stock Exchange. Policies are underwritten by Great American Insurance Company, an authorized insurer in all 50 states and the DC. Please see Great American Insurance Company’s Legal Disclosures/Terms and Conditions here.  https://www.greatamericaninsurancegroup.com/contact/legal-disclosures

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