American Football / Gridiron · USA College Cover
American Football Scholarship Insurance
for Australian & NZ Athletes
Plans meeting NCAA, NAIA & NJCAA requirements for Australian and New Zealand American football (gridiron) players on US college scholarships. Unlimited overseas medical cover on and off the field.
Why It Matters
NCAA & NAIA Football Programs Require Qualifying Insurance
Every Australian and New Zealand American football player heading to a US college on a scholarship must hold health insurance satisfying their program's requirements before being cleared to train or compete. Australian Medicare does not cover you in the USA — and with the physical demands of gridiron, having the right cover is essential.
USA College Cover is an authorised representative of the partner insurers we quote and present to clients — we are not an insurer or broker. These plans meet the minimum requirements for athletic associations such as NCAA, NAIA and NJCAA, and in many cases exceed comparable US plans. This includes UNLIMITED overseas medical cover (on and off the field and in your own leisure time, with 24/7 medical support), cover for ALL US medical networks so you can be admitted anywhere, emergency evacuation and repatriation back to your home country, repatriation of remains, and personal liability cover — priced in AUD or NZD from Australian and NZ-regulated companies.
Unlimited overseas medical cover — on and off the field
Sports injury treatment including surgery, hospitalisation & rehab
Personal liability cover
Emergency dental & evacuation
Coverage that satisfies NCAA, NAIA & NJCAA waiver requirements
Formal Insurance Compliance Summary PDF for your Compliance Officer
NCAA · NAIA · NJCAA Compliant Plans
Our partner plans include unlimited overseas medical cover for non-paid amateur participation confirmed to satisfy NCAA, NAIA, and NJCAA insurance waiver requirements for American football.
Frequently Asked Questions — American Football Scholarship Insurance
Do Australian American football players need insurance for a US college scholarship?
Yes. All NCAA, NAIA, and NJCAA American football programs require student-athletes — including international players — to hold qualifying health insurance before they can train or compete. Australian Medicare does not apply in the USA.
What types of American football injuries are covered?
Our partner plans cover injuries common in American football including concussions, ACL and MCL tears, shoulder injuries, fractures, and soft tissue injuries — during official training and competition as an amateur, unpaid student-athlete. Always confirm specific activity and position eligibility before purchase.
Is American football a high-contact sport — does that affect my coverage?
American football is a contact sport. Coverage under our partner plans applies to non-paid amateur collegiate participation. Some high-contact or extreme sporting activities may be subject to exclusions under certain plans — always confirm with us before departure so we can match you with the most suitable plan for your situation.
How do Australian gridiron players prove insurance to their US college?
USA College Cover provides a Certificate of Insurance and an Insurance Compliance Summary PDF tailored for NCAA, NAIA, and NJCAA compliance submissions. We guide you through every step of the documentation process.
This information is general advice only and does not take into account your needs, objectives or personal circumstances. You must read the Product Disclosure Statement (PDS) to decide whether a policy is appropriate for you and your needs.