Markel Insurance

NOTE:

• Accident and Commercial General Liability is covered in the USA same as it would in Canada. For those travelling outside of Canada, coverage  will apply while participating in a sanctioned event in conjunction with the sport (softball). The accident policy will cover if a registered player gets injured while participating in the sport and CGL policy will respond if there is an incident where a participant gets sued for an incident (not excluded) that occurred while participating in the sanctioned event.

• So if there is an injury, MB Health would be 1^st, then Markel accident policy.

• What Markel is no longer offering is the out of province travel insurance which could be obtained by Blue Cross, Manulife etc.  or individuals may have their own medical coverage through work. So, if they get sick, car accident, fall off a bike.. no coverage would apply.

Sport Manitoba offers its partners an optional comprehensive insurance program that includes: Liability Insurance with Officers and Directors Wrongful Acts coverage, Tenants Legal Liability, Combination Accident and Accidental Death and Dismemberment Policy, Property and Equipment, Fidelity and Broad Form Securities.

All member leagues in Softball Manitoba, including all players, coaches, managers, trainers, executives, officials and volunteers, are covered through the Association's insurance policy. The policy covers all injuries incurred during any softball-related activity (including practices and other training sessions), as well as third party liability for damages to person and/or property.  

• Expenses covered include: chiropractor, physiotherapist, athletic therapist, massage therapist and osteopath services; crutches, splints, orthotic devices, trusses, medical braces (for every day wear/rehabilitation purposes); rental of wheelchair or hospital bed; prescription drugs; cast and cast materials; licensed ambulance service and hospital services (for which benefits are not provided by any Federal or Provincial Government Hospital Insurance Plan); eyeglass and contact lens expense (resulting from injury); and dental accident reimbursement.

• Based on claims history over the past several years and in an attempt to keep the overall rates increases to a minimum, please be advised that effective April 1, 2016, the rates within the Sport Accident Policy for all therapy will be changed to $50.00 per visit with a maximum of $2,000.00 per accident over a 52 week period from date of the accident. This includes physiotherapy, athletic therapy, chiropractor, massage therapy and osteopath As per below, this is the SECOND PAYER to any other coverage available to the individual (employee benefits plan, etc.).

• Accident Claim Form must be completed in order for any claim to be processed. 

• This policy is the SECOND PAYER to any other coverage available to the individual (employee benefits plan, etc.).

Have more questions? Check out the list of Commonly Asked Questions.

Download the Athlete Accident Claim Form and Information

Upon return, download the Athlete Accident Claim Form.  (Note:  Regarding TRANSPORTATION EXPENSES - When out of Canada, if required to return separately before or after the team returns due to an accident or illness, the extra expenses incurred would be covered.  Extra expenses incurred as a result of the same would not be covered if within Canada.) 

Complete Athlete Accident Claim form and submit with any Physician's documentation from the States to your sport association office.  (After verification, it will then be forwarded to Markel Insurance Marketing Ltd.)   

Medical receipts/bills, etc. must first be submitted to Manitoba Health and/or any other insurance company available to you for coverage.  Our policy is the second payer and will be effective once all other insurance available to you is exhausted. 

When you receive notification of benefits paid by Manitoba Health or any other insurance company, submit this information that explains the balance outstanding with any bills/statements from the States hospital/medical centre to Sport Manitoba. These will be forwarded to Markel Insurance Marketing Ltd.   

Do not wait until you receive notification of the benefits covered by Manitoba Health or any other insurance company before submitting your Athlete Accident Claim form.  Submit the claim first to ensure it is received within 90 days and any (further) medical receipts/bills pertaining to this injury/sickness can then be submitted at a later date.  

Payment by Markel Insurance Marketing Ltd. can be made directly to the States hospital/medical centre if specifically requested when submitting any outstanding bills/statements to Markel Insurance Marketing Ltd.  

Any questions, please contact: Sport Manitoba, 145 Pacific Avenue Winnipeg, MB R3B 2Z6 (Sheri Barnes - 204-925-5604).

Benefits - Excess Medical/Hospital Expense - Accident & Sickness 

When as a result of an injury or sickness the insured requires necessary services of a physician, registered nurse, physiotherapist, hospital, x-ray clinic, laboratory, ambulance or emergency medical return to the outbound point of departure, the Insurer will pay the actual expenses incurred not to exceed the maximum sum stated on the individual certificate. 

Hospital services shall include all necessary services provided normally by a duly registered and licensed hospital excluding services of a nursing home, rest home, or by other non-hospital institutions. 

Coverage is provided only for expenses incurred by Canadian Residents which are in excess of the benefits available under any Canadian Federal or Provincial Hospital and/or Medical Plan regardless of whether or not the insured is enrolled in such a plan. 

Blanket Dental Accident Reimbursement 

When an injury to whole or sound teeth including filled or restored teeth requires and receives dental treatment commencing within 30 days of the date of the accident the Insurer shall pay for the necessary expenses for such treatment rendered within 52 weeks of the accident.  The following provisions apply: a) Any payments made under this section shall not exceed the amount specified in the Schedule of Fees in effect at the time of the accident as published by the Dental Association of the Province in which this document of insurance is issued. b) Capped or crowned teeth shall be deemed as whole or sound teeth. c) No benefit will be payable for expenses of dental treatment incurred for the cost of replacement, adjustment or repair of artificial teeth or dentures (except as otherwise provided herein), any orthodontic treatment; any dental treatment provided solely for cosmetic or esthetic reasons. 

Interruption Insurance 

Out of Pocket Expenses:  In the event covered injury or sickness causes an insured’s delay in returning to the point of departure beyond the return date, the Insurer will pay for reasonable out-of-pocket expenses incurred by the insured up to the per diem amount specified in the individual certificate, not to exceed the maximum applicable benefit for all such expenses. Trip Interruption:  If, after the outbound departure, the insured is obliged to leave the tour upon a physician’s advice due to covered illness or injury, the Insurer will pay for the cost of one-way economy class transportation to rejoin the ongoing tour or to original point of departure. Repatriation Expense:  In the event of covered death of the insured, occurring after the originating flight date, the Insurer will pay the cost of the actual expense incurred for conveyance of the body and ashes of the insured person, to the outbound point of departure, not to exceed the applicable maximum benefit. 

Limitations and Exclusions: 

This insurance does not provide expenses incurred directly or indirectly as a result of: a) Injury or sickness for which medical hospital benefits are provided under any other insurance policy or plan except for the excess not covered under such other insurance; b) Maintenance Therapy for pre-existing medical conditions; c) Dental, Chiropractic or any other health services not mentioned specifically in Excess Medical/Dental Expenses; d) Suicide or self destruction, intentionally self inflicted injuries or any attempt thereat; e) Declared or undeclared war, civil war, riot, insurrection, invasion or any act thereof; f) An illegal act by the insured or beneficiary; g) Participation in armed forces training exercises or maneuvers; h) Participation in sport, not listed within policy. i) A payment which contravenes any plan or any government or political subdivision or law of Canada.