Athletic Insurance

Athletic Insurance

Intercollegiate Athletic Accident Insurance


Rowan University provides intercollegiate student athletes with an Athletic Accident Insurance Plan (“Rowan’s Plan”).  This is a SECONDARY INSURANCE PLAN for injuries sustained SOLELY during official NCAA sanctioned supervised practice or competition.  Because Rowan’s Plan is a SECONDARY PLAN, the medical claim for the injury must FIRST be reported to the student athlete’s primary health insurance plan.  It is the responsibility of the student, or their parent/guardian, to file the claim with the primary insurance carrier as soon as possible following the injury.  Rowan’s Plan will be available to respond as the secondary payer, subject to any coverage exclusions or limitations per the terms and conditions of the insurance policy. 

Rowan’s Plan provides a $90,000 benefit payable over 104 weeks (2 years) from the date of the accident that caused the injury.  Please note, any and all bills incurred for treatment that takes place after the 104 weeks, will not be covered by Rowan’s Plan.  In addition, the injury must require treatment by a physician within ninety (90) days of the date of the accident that caused the injury, otherwise coverage may be denied.

Rowan’s Plan is designed to satisfy the deductible (currently $90,000) for the NCAA Catastrophic Accident Policy so that the Rowan NCAA intercollegiate student athlete who sustains a serious injury can be eligible for extended benefits through the NCAA insurance policy without a lapse in coverage. 

Intercollegiate student athletes who sustain an injury must IMMEDIATELY report the accident that caused the injury to their coach and the Athletic Training Staff.  In addition, file the claim as soon as possible with the student’s primary health insurance carrier.  All claims submitted under Rowan’s Plan will be coordinated by the Athletic Department.  For assistance with handling your claim please contact:

Colleen A. Grugan, MS, ATC
Coordinator of Sports Medicine and Athletic Training Services

Information regarding the NCAA Catastrophic Accident Policy is available at the NCAA website.