Athlete Excess Medical Policy

The athlete excess medical coverage protects each participant for the day of the event at USAT sanctioned races, camps and clinics.

When athletes purchase a USAT annual or one-day membership, a portion of those fees cover the cost to provide them with excess medical insurance. This coverage only extends to their participation in an USA Triathlon sanctioned event and is only available after the injured party has filed with any primary insurance policies. A deductible does apply for this excess coverage.

If an athlete is injured while participating in a USA Triathlon sanctioned event the following steps must be followed:

1. Race Director completes an incident report form.  The race director is obligated to report the incident to USA Triathlon. No medical claim can be filed with insurance until this report is completed. You can find the incident report form by emailing eventservices@usatriathlon.org for a copy of the form. The signed document should be returned to USAT immediately.
2. Athletes must file with their primary healthcare provider (i.e. United Healthcare, Blue Cross Blue Shield, Aetna, traveler’s insurance, etc.).
3. Athlete completes a medical claim form.  For serious incidents or for athletes requesting coverage, either the race director or USAT can provide them with a medical claim form. The medical claim form along with all explanation of benefit documents should be sent directly from the athlete to the insurance company as indicated on the claim form. Please email Event Services for a copy of the form.
4. Athletes will pay a deductible.  All athletes using USA Triathlon insurance will pay anywhere from $250 (two-hundred and fifty U.S. dollars) to $1,000 (one thousand U.S. dollars) out of pocket and possibly more for uncovered expenses.
5. Coverage limitations.  Be advised that coverage may not apply to each and every claim.  Additionally, coverage only extends to participants that have purchased an USA Triathlon annual or one-day membership and were injured through participation in an USA Triathlon sanctioned event.

Please email questions to Event Services.

Information about Athlete Excess Medical Coverage for Race Directors:

If an athlete is injured at a sanctioned event, please fill out an incident report form and fax it to the National Office, attention to Event Services, at 719-955-2671 as soon as the event is done.  You must complete the form provided by USAT; no other form is accepted by our insurance company. Please provide the athlete with a medical claim form.  Both of these forms can be found here.

USA Triathlon has a full-time risk management team available to answer any specific coverage questions. Athletes or race directors can call or email the group benefits department at 770-449-5559 and ask for Sean Lankie.