Excess Sports Plan

Bowdoin College maintains a sports accident insurance policy for covered athletic injuries. This policy is excess to any other valid and collectible insurance – it is a secondary policy (or tertiary, when applicable) and all claims must be submitted to the
athlete’s primary insurance first.

This policy has a $5,000 deductible for each athletic injury and once the claim exceeds $5,000 the College’s policy will pay expenses not paid by the primary insurer. Payments made by the primary insurer, deductibles, co-payments and co-insurance under the athlete’s primary insurance and payments by the athlete count towards the policy’s $5,000 per injury deductible.

Student athletes can purchase an accident only policy from Gallagher to cover the $5,000 deductible on this policy. That plan costs $318 per year, covers up to $5,000 in expense per injury and provides an added layer of protection for athletes and their families.

Student athletes must enroll in the accident only plan no later than October 1st, 2021. Student athletes who receive grant assistance from Bowdoin will be automatically enrolled in the accident only policy at no cost. This enrollment is only available for grant recipients who are intercollegiate athletes as of October 1st, 2021.

There will be another opportunity to enroll for second semester, but this is only available for students who were on an approved fall semester leave or for student athletes who have recently enrolled in intercollegiate athletics for a spring sport. The cost for second semester coverage is $318.

We encourage student athletes to consider purchasing the accident only policy as coverage is not afforded to them under the Bowdoin plan until the $5,000 deductible is met. To read more about the accident only plan please visit www.gallagherstudent.com/bowdoin.

Please use this document for instructions on the claims submission process.