Sports Camps Program (Enhanced)
Applications, Forms, & Brochures
- Availability
- Eligibility
- Who is Covered?
- When Are They Covered?
- Description of Coverages
- Excess Coverage
- Plans and Rates
- General Exclusions, Limitations and Definitions
- Premiums
- When Coverage Begins
- Print this Page
Availability
This program is available in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming. State exceptions may apply.
Our Enhanced Sports Camp Program is not available in all states. See our Special Risk Countrywide Program for sports camps in:
- Connecticut
- Florida
- Kansas
- Maine
- Maryland
- Montana
- South Carolina
- Vermont
- Washington
For sports camps in New York only, see our Special Risk New York Program.
This is an explanation of the general purposes of the coverage described, but in no way changes or affects the policy as actually issued.
Eligibility
Organizations sponsoring sports camps are eligible for coverage.
Who is Covered?
All persons registered as campers must be insured. Optional coverage for counselors, janitors, cooks and similar employees is also available. Coverage is not provided for children of camp employees or children of counselors, spouses of employees, or volunteers working on special events unless they are registered as campers or employed by the camp.
When Are They Covered?
Sports camp participants are covered while in regular attendance on camp premises and while taking part in regularly scheduled, approved camp activities.
Description of Coverages
Accidental Death and Dismemberment (AD&D) - pays the following to the Insured Person or his/her beneficiary for losses that occur within 180 days of an accident:
| Loss: | Benefit: | ||
|---|---|---|---|
| Plan A | Plan B | Plan C | |
| Life | $2,500 | $5,000 | $10,000 |
| Both Hands or Both Feet or Sight of Both Eyes | $2,500 | $5,000 | $10,000 |
| One Hand and One Foot | $2,500 | $5,000 | $10,000 |
| Either Hand and Sight of One Eye | $2,500 | $5,000 | $10,000 |
| Either Foot and Sight of One Eye | $2,500 | $5,000 | $10,000 |
| Speech and Hearing in Both Ears | $2,500 | $5,000 | $5,000 |
| Either Hand or Foot | $1,250 | $2,500 | $5,000 |
| Sight of One Eye | $1,250 | $2,500 | $5,000 |
| Speech or Hearing in Both Ears | $1,250 | $2,500 | $5,000 |
| Thumb and Index Finger on the Same Hand | $625 | $1,250 | $2,500 |
Loss of hand or foot means severance through or above wrist or ankle joint. Loss of sight, speech and hearing means entire and irrecoverable loss. Loss of thumb and index finger means actual severance through or above metacarpophalangeal joints.
We will not pay more than the largest amount shown for all losses due to the same accident.
Accident Medical Expense - Accident Medical Expense - pays the Reasonable Expenses incurred by an Insured Person, in excess of the Deductible Amount, for Medical Care due to Injury, if the first expense is incurred within 26 weeks after the accident and the expense is incurred within 2 years of the accident.
The Maximum Benefit is as follows:
| Plan A | Plan B | Plan C |
|---|---|---|
| $2,500 | $5,000 | $10,000 |
The benefit will not pay more than the Maximum Benefit for all expenses incurred as the result of any one accident. In addition, the benefit will not pay more than the Maximum Dental Limit for all expenses incurred for dental treatment, services and supplies; or more than the Maximum Benefit for all Medical Care and dental treatment, services and supplies, as the result of any one accident. The Deductible Amount will be applied separately to each accident.
Excess Coverage
In certain states, lower rates are available if the Medical Expense portion of The Hartford's Sports Camps Insurance is purchased on an "excess basis". This means that after the Insured Person has been reimbursed for medical expenses by other insurance programs, The Hartford will pay up to the maximum Medical Expense benefit for remaining treatment, service and supply expenses. Other Plans include such health insurance coverage as group hospital or medical plans, or no-fault automobile coverage. Any amounts paid by another insurance plan cannot be used to satisfy any deductible under The Hartford's policy.
Plans and Rates
Cost per person per week (or fractional part thereof), based on age:
| Plan A All sports except Soccer and Football* |
Plan B All sports except Soccer and Football* |
Plan C All sports except Soccer and Football* |
|||||||
|---|---|---|---|---|---|---|---|---|---|
| Under 13 | 13-15 | 16-18 | Under 13 | 13-15 | 16-18 | Under 13 | 13-15 | 16-18 | |
| Overnight Camps: Full Medical Expense Coverage: | |||||||||
| No Deductible | $1.83 | $3.74 | $5.91 | $2.08 | $4.25 | $6.70 | $2.41 | $4.88 | $7.67 |
| $25 Deductible | 1.52 | 3.11 | 4.91 | 1.77 | 3.61 | 5.68 | 2.09 | 4.22 | 6.62 |
| $250 Deductible | 0.89 | 1.81 | 2.84 | 1.12 | 2.27 | 3.57 | 1.43 | 2.85 | 4.46 |
| Excess Medical Expense Coverage: | |||||||||
| No Deductible | 1.29 | 2.63 | 4.15 | 1.47 | 2.99 | 4.71 | 1.72 | 3.45 | 5.40 |
| $25 Deductible | 1.07 | 2.19 | 3.44 | 1.25 | 2.54 | 3.99 | 1.49 | 2.98 | 4.67 |
| $250 Deductible | 0.63 | 1.27 | 2.00 | 0.80 | 1.60 | 2.51 | 1.03 | 2.03 | 3.15 |
| Day Camps: Full Medical Expense Coverage: | |||||||||
| No Deductible | 1.64 | 3.56 | 5.72 | 1.87 | 4.04 | 6.49 | 2.17 | 4.64 | 7.43 |
| $25 Deductible | 1.37 | 2.96 | 4.75 | 1.59 | 3.43 | 5.50 | 1.88 | 4.01 | 6.42 |
| $250 Deductible | 0.80 | 1.72 | 2.75 | 1.01 | 2.16 | 3.45 | 1.29 | 2.72 | 4.32 |
| Excess Medical Expense Coverage: | |||||||||
| No Deductible | 1.16 | 2.50 | 4.02 | 1.32 | 2.84 | 4.56 | 1.55 | 3.28 | 5.23 |
| $25 Deductible | 0.96 | 2.08 | 3.34 | 1.13 | 2.41 | 3.87 | 1.35 | 2.84 | 4.52 |
| $250 Deductible | 0.57 | 1.21 | 1.94 | 0.72 | 1.53 | 2.43 | 0.94 | 1.93 | 3.06 |
*Where equipment has been issued.
| Plan A - Soccer Only | Plan B - Soccer Only | Plan C - Soccer Only | |||||||
|---|---|---|---|---|---|---|---|---|---|
| Under 13 | 13-15 | 16-18 | Under 13 | 13-15 | 16-18 | Under 13 | 13-15 | 16-18 | |
| Overnight Camps: Full Medical Expense Coverage: | |||||||||
| $25 Deductible | $1.52 | $6.35 | $12.35 | $1.77 | $7.34 | $14.27 | $2.09 | $8.54 | $16.58 |
| $250 Deductible | 0.89 | 3.67 | 7.13 | 1.12 | 4.60 | 8.93 | 1.43 | 5.75 | 11.12 |
| Excess Medical Expense Coverage: | |||||||||
| $25 Deductible | 1.07 | 4.45 | 8.66 | 1.25 | 5.15 | 10.00 | 1.49 | 6.01 | 11.63 |
| $250 Deductible | 0.63 | 2.58 | 5.00 | 0.80 | 3.24 | 6.27 | 1.03 | 4.05 | 7.81 |
| Day Camps: Full Medical Expense Coverage: | |||||||||
| $25 Deductible | 1.37 | 6.19 | 12.20 | 1.59 | 7.16 | 14.09 | 1.88 | 8.34 | 16.37 |
| $250 Deductible | 0.80 | 3.58 | 7.05 | 1.01 | 4.49 | 8.82 | 1.29 | 5.61 | 10.98 |
| Excess Medical Expense Coverage: | |||||||||
| $25 Deductible | 0.96 | 4.34 | 8.55 | 1.13 | 5.03 | 9.88 | 1.35 | 5.87 | 11.49 |
| $250 Deductible | 0.57 | 2.52 | 4.94 | 0.72 | 3.16 | 6.19 | 0.94 | 3.96 | 7.71 |
| Plan A -Football* Only | Plan B - Football* Only | Plan C - Football* Only | ||||
|---|---|---|---|---|---|---|
| Under 13 | 13-15** | Under 13 | 13-15** | Under 13 | 13-15** | |
| Overnight Camps: Full Medical Expense Coverage: | ||||||
| $50 Deductible | $1.36 | $11.30 | $1.59 | $13.14 | $1.91 | $15.43 |
| $250 Deductible | 0.89 | 7.31 | 1.12 | 9.15 | 1.43 | 11.39 |
| Excess Medical Expense Coverage: | ||||||
| $50 Deductible | 0.96 | 7.92 | 1.13 | 9.21 | 1.36 | 10.83 |
| $250 Deductible | 0.63 | 5.13 | 0.80 | 6.42 | 1.03 | 8.00 |
| Day Camps: Full Medical Expense Coverage: | ||||||
| $50 Deductible | 1.22 | 11.16 | 1.43 | 12.98 | 1.72 | 15.24 |
| $250 Deductible | 0.80 | 7.22 | 1.01 | 9.04 | 1.29 | 11.25 |
| Excess Medical Expense Coverage: | ||||||
| $50 Deductible | 0.86 | 7.82 | 1.02 | 9.10 | 1.23 | 10.70 |
| $250 Deductible | 0.57 | 5.06 | 0.72 | 6.34 | 0.94 | 7.91 |
*Where equipment has been issued.
**The 16-18 Age Category is not available for Football Camps.
To determine the policy premium for an organization, multiply the per person rate for the selected plan by the number of days or weeks to be covered, and then multiply the result by the number of persons to be insured.
General Exclusions, Limitations and Definitions
The Policy does not cover loss resulting from or for:
(1) intentionally self-inflicted Injury, suicide, or attempted suicide,
whether sane or insane;
(2) war or act of war, whether declared or undeclared;
(3) Injury sustained while in the armed forces (land, water or air)
of any country or international authority;
(4) Injury sustained while in or on, boarding or alighting from, being
struck or run down by, any aircraft except as an airline passenger on
an aircraft: (a) operated by a passenger airline on a regularly scheduled
trip over its established route or that is chartered by that airline;
or (b) any transport type aircraft operated by the Military Airlift
Command (MAC) of the United States or any national government recognized
by the United States;
(5) repair, replacement, examination for prescriptions, or fitting of:
(a) eyeglasses; (b) contact lenses; or (c) hearing aids;
(6) dental work or treatment on natural teeth which is not necessary
for the repair or relief of Injury;
(7) repair or replacement of existing dentures, partial dentures, braces,
fixed or removable bridges, or other artificial dental restoration;
(8) repair or replacement of artificial limbs or orthopedic braces;
(9) Injury sustained while the Insured Person is voluntarily taking
drugs which federal law prohibits dispensing without a prescription,
including sedatives, narcotics, barbiturates, amphetamines or hallucinogens,
unless the drug is taken as prescribed or administered by a licensed
Physician; or
(10) Injury sustained by an Insured Person during or as a result of
his or her commission of a felony or while incarcerated for a felony,
except that this exclusion will not be applicable upon acquittal or
dismissal of the felony charges;
(11) Injury sustained as a result of the Insured Person's being legally
intoxicated from the use of alcohol while operating a motor vehicle;
(12) Injury sustained as a Member of a Team while practicing for or
participating in any athletic game, event or tournament sponsored by
or under the direction of any professional, semi-professional, intercollegiate,
interscholastic or organized amateur league, conference or association;
or traveling to or from such practice or participation;
(13) expenses covered under any automobile reparations insurance (no-fault)
or automobile insurance medical payments benefit; or
(14) injury sustained by an Insured Person as a result of participation
in a riot or insurrection.
Injury means bodily injury of an insured person that results directly and independently of all other causes from an accident that occurs while he or she is traveling on a covered trip. Sickness or disease (except pus-forming infection which shall occur through an accidental cut or wound) or hernia of any kind will not be considered as bodily injury.
Premiums
The minimum premium for the Sports Camps program is $310. The minimum premium is non-refundable in the event the policy is canceled after the effective date.
When Are They Covered?
If the Request for Insurance is received and approved before the opening date of the camp, coverage will begin on the first day of the program. Otherwise, coverage will begin on the date the Request for Insurance is approved following its receipt by The Hartford.