All student-athletes must have primary insurance coverage. If a student-athlete does not have primary insurance, an affordable primary insurance plan is available. More information regarding obtaining a suitable insurance plan can be found by contacting your head coach. Prior to the start of the school year, the primary cardholder for the student-athlete's insurance should contact their insurance company to ensure that they are covered while in school at Loyola University.

Loyola University New Orleans will provide an excess insurance plan and the insurer is called a “secondary insurance provider.” Loyola University New Orleans will only be responsible for the care of injuries incurred by an athlete during a team’s traditional season, i.e., from the official beginning of practice to the last game of the season, including playoff games beyond the regular season. This includes participation and play/ practice of an intercollegiate sport sponsored by Loyola University and travel directly to or from play or practice of an intercollegiate sport as a team. One exception is injuries obtained during off-season conditioning of an intercollegiate sport supervised by a member of the coaching staff or athletic trainer.

When an injury occurs, the student-athlete must file a claim with his primary insurance provider or any other medical insurance provider with whom the athlete may be insured. Any remaining bill may be submitted to the “secondary insurance provider.” They will cover only the balance of the bill that your insurance company deemed by them as “reasonable and customary,” (R&C). Any charge over the “R&C” charge as determined by your primary insurance company is the patient’s responsibility, not Loyola’s. All applicable itemized bills and corresponding records of payment or denial of payment must also be submitted to the secondary provider.

All appointments for medical services relating to athletic injuries must be made through the athletic trainer for Loyola University athletic insurance coverage to be in effect. Other arrangements must be approved by the athletic trainer or team physician. Any cost associated with medical services not made at the direction of the athletic trainer or team physician, will be the sole financial responsibility or the individual and his/her personal insurance. An insurance injury form (provided by Loyola University) must be filed with the Loyola University athletic trainer and team doctor for every injury incurred.

The secondary insurance does not cover general medical illnesses incurred by the student-athlete. Non-athletic illnesses should be initially handled by the athletic trainer before contacting the Student Health Center.

Some medical conditions which are preexisting to initial participation, or which occur outside of Loyola University athletic participation, are not insured or covered by Loyola University's athletic insurance.

Student-athletes are also enrolled in a Lifetime Catastrophic Insurance policy that provides lifetime benefits for catastrophic injuries.

Financial and insurance coverage does not exist for new injuries/medical conditions which arise/occur following the last date of competition eligibility in one’s designated sport.

Loyola University athletic insurance does not cover off-campus, summer workouts or competition or injuries that are not a direct result of official athletic activity.

All athletes must submit the “Emergency/Medical/Insurance form” before they can practice or workout with a team.

Back to the Student Athlete Handbook »

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