Athlete Excess Medical Policy Claims Process

For Race Directors

  1. Race Director completes the incident report form. The race director is obligated to report all incidents to USA Triathlon. No medical claim can be filed with insurance until this report is completed.
  2. The signed document should be returned to USAT immediately via email or mail.
    1. email: eventservices@usatriathlon.org
    2. mail: USA Triathlon
      5825 Delmonico Dr. STE 200
      Colorado Springs, CO 80919
  3. Provide the athlete the Athlete Excess Coverage Handout and the USAT Medical Claim Form.

Life Threatening Injuries

For life threatening injuries, please follow the Incident Reporting and Serious Injury Communication protocol outlined below.

1. Contact Certified Race Official (CRO), if one was requested for your event

If there is no CRO, call USAT directly.

2. CRO contacts USAT Commission of Officials, Deb Wilson.

  a. While CRO is contacting Commissioner and USAT, inform the athlete’s emergency contact of the situation, if you haven’t already, and encourage them to head to the hospital.

b. Begin collecting witness statements from police, first responders, lifeguards, etc., anyone that was involved with the incident. These can be written or recorded in the interest of time. 

c. Have an incident report filled out as soon as reasonably possible with as much information as you can gather.

3. Deb Wilson contacts USAT staff, Brad Hildebrandt or Andy Horn, and informs them of the situation.

4. USAT will connect with the race director to gather more information and provide assistance with creating a statement for public release.

a. Wait to release a statement until you speak with USAT as we have a communications team that can help to craft a proper statement that speaks to the incident and maintains appropriate athlete privacy.

b. If you are unable to get a hold of USAT and are being pressured by media to release a statement, review the Crisis Communication Best Practices guide for examples of statements and how best to manage your situation until you are able to contact USAT.

For Athletes

  1. Athletes must file with their primary healthcare provider (i.e. United Healthcare, Blue Cross Blue Shield, Aetna, traveler's insurance, etc.).
  2. Athlete completes 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.
  3. 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.
  4. Coverage limitations. Be advised that coverage may not apply to each and every claim. Additionally, coverage only extends to participants that have purchased a USA Triathlon annual or one-day membership and were injured through participation in a USA Triathlon sanctioned event.
  5. USA Triathlon has a full-time risk management team available to answer any specific coverage questions. Athletes or race directors can call or email Jim Gauss at 407-998-4274 or John Burkart at 949-297-0033.

Please email questions to Event Services.