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Don't Gamble with Your Family's Health: Why Why Every Sports Family Needs an Accident Plan


For moms and dads with kids that play sports, staying prepared for the unexpected is critical. Children can be very active and prone to injuries during sports, whether it's a sprained ankle, a broken bone, or a concussion. While we all hope our kids stay safe and healthy, accidents happen, and it's essential to have a plan in place to deal with them.


One of the biggest concerns that parents face is the high cost of healthcare, especially when it comes to emergency room visits and sports-related injuries. According to a recent study, the average cost of an emergency room visit for a sports-related injury is over $1,200, and that's just for the visit alone. Additional costs can add up quickly, including X-rays, MRIs, physical therapy, and other treatments that may be necessary.


The good news is that there is an affordable solution that can help cover these costs and provide peace of mind for parents. Supplemental accident insurance plans can be an excellent option for families with kids that play sports, especially families with high deductible health insurance plans. These plans can help cover most, if not all, of the out-of-pocket costs associated with sports injuries, including emergency room visits, X-rays, and other medical treatments.


Supplemental accident insurance plans work by paying a fixed benefit amount for each covered injury, regardless of the actual cost of the medical treatment. This means that even if the medical bills add up to thousands of dollars, parents can receive a lump sum payment that can be used to pay for the medical bills, deductibles, or other expenses.


The benefits of these plans are clear and affordable, with premiums starting as low as $15 per month per person, and can provide peace of mind for parents, knowing that their children are covered in case of an accident. In addition, these plans can be customized to fit the needs of each family, with options to cover everything from broken bones to concussions and more.



When it comes to protecting our children, it's always better to be safe than sorry. Having a supplemental accident insurance plan in place can make all the difference in the event of a sports-related injury. So if you're a parent with kids that play sports, take the time to research your options and find a plan that works for you. Your peace of mind, and your child's health, is worth it. A local agent at Utah Avenue Insurance can help you find multiple affordable options to cover your needs.


In addition to the peace of mind that comes with knowing that a supplemental accident insurance plan can cover the cost of sports injuries, these plans also offer a range of benefits that can make a significant difference in the event of an accident. The benefits of the plan can vary depending on the coverage selected and the insurance provider, but typically include a lump sum payment for hospital confinement, emergency room treatment, urgent care center treatment, diagnostic exams, follow-up treatment or physical therapy, outpatient surgery, and accidental loss of life, limb, or sight.


The chart below outlines the benefits that are included in one of our favorite accidental injury plans. As you can see, the amount of coverage and benefits increase with higher premium levels. It's important to note that each plan may have its own unique terms and conditions, so it's essential to read the policy carefully to understand exactly what is covered and what is not. A local agent at Utah Avenue Insurance can help you know what is covered on each plan and how an accident plan can pay you directly for injuries. The amounts below are what you would be paid in the event of an accidental injury.




As you can see, even the Basic Plan offers substantial coverage, including a $10,000 lump sum payment for hospital confinement and $1,000 per injury for emergency room treatment. The Premium Plan offers the highest level of coverage, with a $20,000 lump sum payment for hospital confinement and $2,000 per injury for emergency room treatment. With these benefits in place, parents can rest assured that their children will be taken care of in the event of an accident, without having to worry about the high costs associated with medical treatment.


If you're a parent with kids who play sports, it's important to consider adding a supplemental accident insurance plan to your coverage. These plans can be incredibly affordable and offer essential benefits that can help cover the costs associated with sports injuries. Fortunately, getting a quote for a supplemental accident insurance plan has never been easier. By reaching out to a local agent at Utah Avenue Insurance, you can get a same-day quote for a plan that meets your needs and budget. Simply fill out the 'Get a Quote' form below, and a friendly and knowledgeable agent will be in touch with you shortly to help you find the right plan for your family. Don't wait until it's too late to protect your family from the high costs of sports injuries. Contact Utah Avenue Insurance today to get started.





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