Athlete Insurance
Insurance For All Student-Athletes
Knox College will provide a group accidental insurance policy for all Knox student-athletes (Knox Athletic Insurance). The Knox Athletic Insurance will allow the College to satisfy an NCAA requirement stipulating that the College must certify that all students who participate in intercollegiate athletics have insurance coverage up to the NCAA Catastrophic Insurance Plan, which starts at $90,000. This group policy, which has a $1,000 deductible and pays secondary to any other insurance a family may have, will cover Knox student-athletes from the first day of practice until the end of the season and any organized/supervised off-season conditioning program, and non-traditional practice segments. This policy will cover costs incurred within 104 weeks from the date of the athletic accident up to $90,000 when the NCAA's coverage begins. If you are a member of an HMO, permission from the HMO for non-emergency treatment should be granted. Coverage is subject to the terms and conditions of the master policy. Neither Knox College nor the athletic insurance company (AG/US Fire Insurance Company) assumes responsibility for costs not covered by the contract including, but not limited to, pre-existing injuries or health conditions. For more information regarding the Athletic Insurance please contact
Erica Witkowski, head athletic trainer at Knox College (309-341-7378 or
erwitkowski@knox.edu) or AG:
AG Administrators
PO Box 21013
Eagan, MN 55121
Email Bills/Docs:
claims@agadm.com
Claim Status Inquiries:
customerservice@agadm.com
Abdoulaye Sangare
Claim Support Specialist
Direct phone line 484-464-2357.
Email: asangare@agadm.com
Mike Estes, MS, ATC, LAT
Program Manager
mestes@agadm.com
All Knox College students are covered by a mandatory accident policy (Student Accident Policy). This policy covers $1,000 of an athletic accident with no deductible but pays according to a payment schedule. The Student Accident Policy is secondary to a Student-Athlete’s Primary Insurance, but will pay the Primary Insurance and Athletic Insurance deductibles, and will cover some chronic injuries according to the payment schedule. For more information about the Student Accident Policy, please visit the
Student Insurance page.
All student-athletes must submit a copy of both sides of any applicable insurance cards as well as complete insurance and contact information in their
SportsWare Online Athlete Portal. First-year student-athletes should view the
First Year SportsWare Online Athlete Portal Instructions (PDF) for step-by-step instructions on form submission. Returning student-athletes should view the
Returning SportsWare Online Athlete Portal Instructions (PDF) for step-by-step instructions on form submission. Please direct any further questions to
Scott Sunderland, head athletic trainer/associate director of athletics Knox College (309-341-7378).
It is important that the student-athlete and parent/guardian have a clear understanding of how their personal insurance, student insurance, and the athletic insurance will cover an athletic claim.
The combination of the Athletic Insurance and Student Insurance plans ensures that every Knox student-athlete has adequate insurance coverage up to the NCAA catastrophic plan.
Short-term Primary Insurance
The Knox Student and/or Athletic Insurance does not provide coverage for general medical issues and the Athletic Insurance does not provide coverage for injuries outside of organized collegiate sports. If the student-athlete does not have primary coverage we would encourage you to consider purchasing short term medical coverage.
Below is a link to Pivot Health short term medical insurance coverage that would provide coverage for
Domestic Students for both general medical issues as well as collegiate athletic and non-athletic related injuries.
Pivot Health Short Term Medical Insurance
International Students who are in the need of primary insurance coverage should visit one of the following to consider coverage. Each of these plans do provide medical evaluation and repatriation coverage.
iNext International Insurance
International Student Insurance
Visit Insurance
Athletic Medical Fee
Student-athletes will be billed $300.00 annually (regardless of the number of sports in which they participate) to help offset the costs of athletic medical services such as the athletic group insurance and other athletic medical services, such as the Team Physician and additional Athletic Training staff. This charge will be billed to the student’s account and will be non-refundable. The charge shall be applied after the first organized, supervised athletic activity (i.e., strength/conditioning training sessions, sport-specific practices, technique/individual work sessions, etc.) for the first sport participated in, whether in-season or out-of-season training. The fee shall be applied to the student’s account regardless of whether the student-athletes participates in competition.
