Unpaid Amateur Participation Only
Student-Athlete Medical & Travel Insurance
International travel insurance for Australian & New Zealand student-athletes heading to U.S. colleges, providing overseas medical cover for amateur sports participation and 24/7 assistance. Please check your U.S. college’s specific insurance requirements, as these vary by institution.
Our Partner Insurers Offer Comprehensive or Basic Options
Overseas Medical
Policies include unlimited overseas medical cover for amateur, unpaid sports participation.
Built In Travel Insurance
Your coverage includes a wide range of travel related insurance benefits.
Choose Your Options
Policies may offer optional extras and variable excesses. Such as:
PDS Verified
Amateur Sports Participation Cover
Our partner policies include unlimited overseas medical cover for non-paid amateur sports participation, emergency evacuation, repatriation back to Australia or New Zealand, repatriation of remains, and personal liability cover.Suitable for Non-Paid Amateur Athletes Only — these policies provide overseas medical cover for new major/minor sporting injuries sustained during amateur sport participation (solo/team) including at the collegiate level, as well as general major/minor non-sport related injury or illness. Please check your U.S. college’s specific insurance requirements, as these vary by institution and may include mandatory campus health insurance. If you are a NIL athlete these policies may not be suitable.
NCAA Compliant
NAIA Compliant
NJCAA Compliant
Many Covered Sports
Coverage Designed with Amateur Student-Athletes in Mind.
Overseas medical & travel insurance for international student athletes at the U.S. collegiate level. As an authorised representative, we present a range of insurance plans for you to consider from our partner insurers covering a wide range of sports popular in the US college system. Contact us to confirm student athlete medical coverage for your athlete's sport*. (*Non-paid amateur participation only.)
Soccer
Baseball
Basketball
American Football
Track & Field
Water Polo
Swimming
Lacrosse
Cycling
Softball
Gymnastics
Golf
Rugby
Cricket
Badminton
Archery
Rowing
Table Tennis
* Coverage applies to amateur, unpaid participation in collegiate sport only. If you are a professional, receiving payment or NIL sponsorship then these plans are not suitable for you. High-contact or extreme sports may be excluded under certain plans — always confirm sport and activity eligibility before purchase, and read relevant PDS information from each insurer before purchasing
consider the differences
Australian/New Zealand Student-Athlete Insurance vs US College Student Health Plans
U.S. college health plans operate similarly to domestic private health insurance, with networks, deductibles, co-payments and annual limits. AU/NZ policies operate differently, as they are structured as overseas medical insurance with travel insurance benefits included for amateur non-paid athletes competing in collegiate sports.
The table below outlines general differences in how these types of products are typically structured. (This information is general in nature and may not apply to every policy. Always refer to the relevant PDS or plan documentation.)
AUSTRALIA / NEW ZEALAND Partner Insurers
Common US Student Health Plans
Cover for Amateur Collegiate Sport
Covered – Unpaid Amateur College Sport
Policies include cover for unpaid amateur college sport, subject to terms and conditions. Sport eligibility varies and is confirmed at quoting stage.
Often Excluded or Add-On
Sports injuries may be excluded or require a separate sports rider
Overseas Medical Cover
UNLIMITED
No cap on overseas medical expenses
Capped / Limited
Typically $250K–$500K annual maximum per condition
Emergency Evacuation & Repatriation
Included – Unlimited
Return to Australia fully covered under emergency assistance
Often Excluded or Sub-Limited
May require separate rider or capped at $50K–$100K
In-Network vs Out-of-Network
No Network Restrictions
Treated at any US hospital or clinic – no penalty
Network Dependent
Significant cost difference between in-network and out-of-network providers
Out-of-Pocket Costs
Minimal – Excess Only
Only your chosen excess applies. No co-insurance or co-payments after that
High – Deductibles + Co-pays
Deductibles $500–$2,500+, then co-insurance up to 20–40% of each bill
Pre-Authorisation Required
Emergency Assistance Team handles it
Our 24/7 AU-based team liaises directly with US hospitals on your behalf
Your Responsibility
Failure to pre-authorise non-emergency treatment may result in denied claims
Mental Health Cover
Included in Comprehensive Plans
Emergency mental health treatment covered as part of medical benefit
Limited or Sub-Limited
Often subject to separate annual caps and network restrictions
Prescription Medication
Covered under Medical Benefit
Medications prescribed as part of a covered emergency are included
Separate Formulary Required
Separate prescription drug plan with tiered co-pays per medication
Payment Structure
Single Upfront Premium
One payment covers the entire trip. No ongoing monthly obligations
Monthly Premiums
Billed monthly through the college. Miss a payment and cover lapses
Assistance Team Location
Australia-Based 24/7 Team
Experts who understand both Australian expectations and the US medical system
Varies by Provider
Support processes and service models vary between providers.
Luggage & Personal Belongings
Included – Up to $25,000
Comprehensive plans cover loss, theft, and damage to personal items
Not Included
Student health plans are medical only – no luggage or travel benefits
Trip Cancellation / Interruption
Available – You Choose the Level
Optional cancellation cover to protect prepaid travel costs
Not Included
Student health plans do not cover trip cancellation or interruption
Peace of mind — for families on both sides of the Pacific.
24/7 Australian/New Zealand -Based Emergency Assistance
When a major medical situation arises at 2am in the USA, you want someone who understands Australian/NZ expectations and knows how to navigate the US healthcare system. Our partner insurers provide round-the-clock emergency assistance teams based in Australia and NZ — staffed by professionals who will advocate for your student, liaise directly with US hospitals, and manage the entire process so your family does not have to.
Direct hospital billing
The assistance team bills the hospital directly in most major emergency cases — no large out-of-pocket payment required upfront.
Medical monitoring
Your student's condition is monitored by qualified nurses who communicate with treating physicians on your behalf.
Evacuation coordination
If medically required, the team arranges and funds emergency evacuation or repatriation back to Australia.
Family communication
Parents back home are kept informed throughout the process — reducing stress on both sides of the Pacific.
Comparisons are general in nature. US plan details vary by college, state, and provider. This information is not financial advice. Always read the relevant PDS and policy schedule before purchasing.
Knowledge Base
Frequently Asked Questions
Everything you need to know about insurance, NCAA compliance, visas, flights, and your client portal.
🏢 Who Are We
🛡️ Insurance Cover
🎓 NCAA / NAIA / NJCAA Compliance
🛂 Student Visas
✈️ Flights
💻 Client Portal
Detailed Guides
U.S. College Insurance Requirements
Learn more about the specific insurance requirements for each college athletic association and how U.S. healthcare compares to Australia.
NCAA Insurance Requirements
General information only →
NAIA Insurance Requirements
General information only →
NJCAA Insurance Requirements
General information only →
U.S. Healthcare Costs
General information only →
Pre‑Departure Checklist
General information only →
F-1 Visa Guide
General information only →
Guide for U.S. Coaches
General information only →
