Basketball Manitoba has a comprehensive Accident and Liability Insurance Program for all players, coaches, officials, administrators and volunteers registered with our programs and our Member Associations. If you are injured while participating in one of our programs or with a properly registered member association of Basketball Manitoba, please review the following information on our insurance policies.
The Sport Accident Policy provides coverage to current members of Basketball Manitoba when a bodily injury results directly from a single covered basketball-related accident. Coverage generally applies to sanctioned practices and games within Canada and extends to insured participants, managers, coaches, executives and officials throughout the insured season.
This coverage does not generally apply to injuries caused by overuse, repetitive strain, chronic or progressive conditions, illness, bodily infirmity or pre-existing conditions that are not directly caused by a single covered accident.
MEMBER ELIGIBILITY: Participant accident insurance is available only to eligible insured members. Non-members do not have access to or benefit from this coverage, except where an individual qualifies under the policy definition of an associated non-member.
EXCESS AND THIRD-PAYER COVERAGE: The Sport Accident Policy is an excess-payer and third-payer insurance policy. Eligible expenses must first be submitted to Manitoba Health or another applicable provincial health plan, followed by any private, employer-sponsored or other extended health plan available to the member. The Sport Accident Policy may respond only after the applicable benefits under those plans have been exhausted.
The policy does not automatically pay every remaining balance. For example, if an extended health plan pays 80% of an eligible treatment expense, the Sport Accident Policy will not necessarily pay the remaining 20%. Each claim is reviewed individually by the insurer and the claims adjuster assigned to the claim. Payment is subject to the complete policy terms, conditions, exclusions, medical-necessity requirements and coverage limits.
The insurer will not pay an expense that is payable under another insurance plan, government health plan or applicable law. With the exception of licensed ambulance expenses, claimed expenses must generally be prescribed or considered medically necessary by a qualified medical practitioner for the treatment or rehabilitation of the insured person.
COVERED ACTIVITIES: Coverage applies to eligible registered members participating in covered practices and games within Canada. One plan covers insured participants, managers, coaches, and officials throughout the insured season.
DEDUCTIBLE: There is currently no deductible under the Participant Accident Policy. This is subject to review and may change from year to year.
The policy may reimburse reasonable medical expenses incurred by an insured person as a result of a covered accident. Eligible expenses must be incurred within 52 weeks of the accident and must not be covered by a federal or provincial government health plan, private health-care plan or other insurance.
Subject to the complete policy terms, eligible expenses may include:
- Services provided by a licensed physiotherapist, athletic therapist, chiropractor, osteopath or registered nurse, as well as other similar services approved by the insurer in writing;
- Licensed ambulance services;
- Crutches, splints, orthotic devices, trusses, medical braces, wheelchair rentals, hospital beds, lifts and other medical devices recommended by the attending physician;
- Prescription drugs not covered by another government or private health-care plan;
- Hospital services not covered by another government or private health-care plan; and
- Medical services received outside the insured person's province of residence when the covered accident also occurred outside their home province, provided the expenses were incurred within Canada.
Splints, orthotic devices and medical braces required primarily for sports participation are excluded.
The current maximum for Medical Expense Reimbursement is $15,000 per insured person, subject to the policy declarations and all applicable terms, conditions and exclusions.
Receiving treatment or submitting a claim does not guarantee reimbursement. Members should retain all invoices, receipts, prescriptions, physician recommendations and explanations of benefits received from government and private health plans.
The following is a general summary of the principal coverage limits shown in the current policy information. All benefits remain subject to the complete policy wording, declarations, exclusions and the circumstances of the individual claim.
| Coverage | Maximum Limit |
|---|---|
| Principal Amount | $50,000 |
| Fracture Indemnity | $1,000 |
| Aggregate Limit Payable for Any One Accident | $1,000,000 |
| Dental Accident Reimbursement | $10,000 |
| Dentures, Removable Teeth, Hearing Aids, Eyeglasses and Contact Lenses | $200 |
| Emergency Transportation | $500 |
| Family Transportation | $2,500 |
| Medical Expense Reimbursement | $15,000 |
| Prosthetic Appliances | $3,000 |
| Rehabilitation | $3,000 |
| Repatriation | $5,000 |
| Tuition Benefit | $2,000 |
| Weekly Income Benefit Following a 30-Day Waiting Period | $100 |
Subject to the complete policy wording and applicable limits, the policy may also provide benefits relating to specific losses, fractures, dislocations, tendon severance, dental treatment, damaged dentures or removable teeth, hearing aids, eyeglasses and contact lenses, emergency transportation, family transportation, prosthetic appliances, rehabilitation, repatriation, tuition support and weekly income following a qualifying total disability.
Dental accident reimbursement applies to reasonable expenses incurred within 52 weeks of a covered accident to treat, repair or rebuild teeth damaged in the accident. Treatment provided solely for cosmetic or aesthetic reasons is excluded.
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Expenses to replace dentures, removable teeth, hearing aids, eyeglasses or contact lenses damaged in a covered accident must generally be incurred within 60 days of the accident and are subject to the applicable policy limit.
An initial claim must be submitted within 30 days after the claim arises.
Claimants may be required to provide medical records, receipts, proof of payment, physician recommendations, explanations of benefits from other insurers and other information reasonably requested by the insurer or claims adjuster.
- An accident is a single event caused by external, violent, sudden, fortuitous causes beyond the Insured’s control.
- An injury is a bodily injury suffered by a member caused directly by a single sport accident as described above, independent of any sickness or other causes.
To be eligible to make a claim on the Basketball Manitoba Insurance Program, you must have sustained the injury while participating in one of the following Basketball Manitoba-sanctioned programs or activities as a REGISTERED player, coach or referee. All rehabilitation expenses must be first prescribed by a medical doctor for the claims to be eligible for coverage. The following programs and programs within our member associations are covered under this insurance policy...
BASKETBALL MANITOBA PROGRAMS
- Manitoba Provincial Team Program (games, practices, tryouts and all program activities)
- Canada Games, Western Canada Games and Manitoba Games (games, practices, tryouts and all basketball program activities)
- Targeted Athletic Program / Strategy (TAP/TAS) (tryouts and all program activities)
- Manitoba Club Basketball Championships (tournament games)
- High-Performance Basketball Camps (participation at)
- Junior High Basketball Championships (tournament games)
- Junior NBA Program - Manitoba programs (practice sessions)
- Todd MacCulloch Hoops School Program (practice sessions)
- Junior Officials Development Program (JODP) Referee Clinics (participation at)
If a Manitoba-based basketball league is not listed below, it is not covered under the Basketball Manitoba insurance plan.
An "official game or practice" is defined as one organized by the league or team as part of their program plans and, in the case of a game involving MABO-certified and assigned referees.
- USPORT (CIS) / Canada West sanctioned basketball
- Manitoba Colleges Athletic Conference (MCAC) sanctioned basketball
- Winnipeg Minor Basketball Association sanctioned basketball (WMBA)
- Winnipeg Basketball League - WBL (Men's and Women's) sanctioned basketball (formerly Fort Garry Super Men's Basketball League and Winnipeg Women's Basketball League)
- Peg City Basketball Association Adult & Youth sanctioned basketball (PCBA & PCYBL)
- Manitoba Association of Basketball Officials (MABO) (officiating at Basketball Manitoba and/or Manitoba school-sanctioned games and MABO/NOCP clinician and participant attendance only)
- Philippine Basketball Association sanctioned basketball (PBA / Lipenos)
- Westman Youth Basketball Association sanctioned basketball (WYBA)
- Prairie Basketball League sanctioned basketball (PBL)
- Metroball Basketball League sanctioned basketball (MBL)
- Winkler Basketball League sanctioned basketball
- Manitoba Provincial Team Program sanctioned basketball
- Manitoba Club Basketball Championships sanctioned basketball
- Manitoba Games sanctioned basketball
- Targeted Athlete Program/Strategy sanctioned basketball (TAP/TAS)
- Wheelchair basketball sanctioned games operated and managed by Basketball Manitoba
- Junior High Basketball Championships sanctioned basketball games
- Manitoba 3x3 Basketball Championships / Canada Hoops 3x3 sanctioned basketball games
- Other special event basketball games, as recognized by Basketball Manitoba (inquire with the office if unsure)
- Registered Club teams (official games and practices)
All claimants must first see a medical doctor within 30 DAYS of the accident and submit all below paperwork to Basketball Manitoba within 30 DAYS of the accident in order to be covered.
All rehabilitation expenses must be first prescribed by a medical doctor in order for the claims to be eligible for coverage. If your injury was sustained while participating in one of the above activities, please download, print and complete in full the following forms and submit them to:
Insurance Claims
c/o Basketball Manitoba
145 Pacific Avenue
Winnipeg, Manitoba
R3B 2Z6
Email insurance@basketballmanitoba.ca
STEP 1 - FILE A CLAIM
All claimants must first see a medical doctor within 30 DAYS of the accident and submit all below paperwork to Basketball Manitoba within 30 DAYS of the accident in order to be covered.
LIABILITY INSURANCE COVERAGE
All Basketball Manitoba programs & members (as listed above) are also covered under our Comprehensive General Liability coverage. The Sport Manitoba Liability Insurance Brochure details the coverage under which all members of Basketball Manitoba, including players, coaches, managers and program volunteers, are protected.
Member teams, clubs and associations requiring proof of liability insurance, typically for those using facilities that may request this information, can request a copy of this proof of insurance document by emailing insurance@basketballmanitoba.ca.
ADDITIONAL INSURANCE INFORMATION
For details on the specifics of making claims outside Manitoba, on a claim regarding injury or damage to the teeth or mouth area, interruption insurance, and limitations to coverage, please view one of the following sections.
TRAVEL REGISTRATION FORM
Registered teams travelling outside of Manitoba must complete and submit the Travel Registration Form 2 days prior to leaving for the trip. Complete the form by CLICKING HERE.
- Read the Frequently Asked Questions page first.
- General inquiries into the program can be made to the Sport Manitoba Insurance Department at 204-925-5604.
- Specific basketball insurance questions can be made to Adam Wedlake.