Frequently Asked Questions - Injury Plans.
General Questions
What is Jiu Jitsu Injury Insurance?
JiuJitsuInsurance.com serves as an online platform and insurance brokerage tailored specifically for grapplers and martial arts enthusiasts. We specialize in personal injury insurance, designed to help cover medical expenses resulting from accidents—whether they occur on or off the mats. While we also assist gyms with liability insurance and event promoters with event coverage, our primary focus is on providing athletes with financial protection from unexpected medical costs.
Eligibility & Enrollment
How long does it take to get coverage after I apply?
You can typically expect coverage activation within 24 to 72 hours after enrollment, depending on your state and the insurance provider.
Do I need a medical exam to qualify?
No medical exam is required! Our accident-only programs do not necessitate any health assessments.
Yes, there are no open enrollment periods. You can apply for coverage year-round. Click HERE to enroll now!
Can I enroll at any time?
What information do I need to get a quote?
To receive a quote, we need your age, state, and a few basic details to match you with the ideal plan—no medical records required.
Coverage Details
Are competitions and tournaments covered?
Absolutely! Injuries from training, sparring, open mats, and competitions (including tournaments) are typically covered under our insurance plans.
Are injuries from submissions like armbars, heel hooks, or chokes covered?
Yes, as long as the injury was unintentional, our policies do not exclude injuries resulting from grappling techniques or submissions.
Does my plan cover injuries from other sports or martial arts?
Yes. Our plans extend coverage to accidents that occur during any unintended activities, such as wrestling, MMA, Muay Thai, and even daily life activities.
Does the policy cover chronic issues or only sudden injuries?
Our insurance plans are designed for sudden, accidental injuries only, excluding chronic or degenerative conditions.
Are surgeries and physical therapy covered?
Yes! If treatment is deemed medically necessary and correlates to a covered accidental injury, it will be covered. This can include:
X-rays & MRIs
Specialist visits
Hospital stays
Physical therapy sessions
Are work-related injuries covered?
Coverage for work-related injuries varies based on state regulations and specific plans. We will assist in finding coverage suited to your occupation.
Pre-Existing Conditions & Limitations
What injuries are not covered?
Common exclusions include:
Illnesses
Chronic pain syndromes
Pre-existing injuries as defined by the policy
Injuries occurring during illegal activities or while intoxicated
What is considered a pre-existing condition?
A pre-existing condition is typically defined as any injury or medical issue that received a diagnosis or treatment within 12 months prior to enrollment.
Are re-injuries covered?
If a re-injury occurs after the first 12 months post-coverage initiation, it may be eligible for coverage, provided it isn’t classified as pre-existing.
Doctor & Network Questions
Do I need to see specific doctors or hospitals?
No network restrictions exist! You can seek treatment from any licensed doctor, urgent care facility, or hospital.
Must I see a medical professional to get reimbursed?
Yes, reimbursement applies only for medical bills resulting from treatment by licensed medical professionals.
Claims & Payments
How long does it take to receive my benefit check?
Most providers process claims within 7 to 14 business days after receiving a complete submission.
Do these plans pay doctors directly?
Contrary to typical health insurance, these plans provide direct payment to you, allowing you to handle your medical expenses.
How do I submit a claim?
To submit a claim, you will need:
Provider details (name, address, phone number)
Date of diagnosis
Relevant itemized bills (CMS 1500, UB04, etc.)
Can I submit my claims online?
Most carriers allow digital submissions or email options. Details will be provided when your policy is issued.
What if my claim is denied?
If your claim is denied, you can appeal the decision by providing additional documentation. We’re here to help throughout that process.
Costs, Billing & Changes
How much do these plans cost?
Plans generally average around $25/month, with costs influenced by factors such as:
Age
State of residence
Selected coverage level
Are there fees for enrolling, canceling, or changing plans?
No enrollment fees exist; however, some carriers may require a 30-day notice for cancellations.
Can I change or cancel my policy anytime?
Yes, it’s easy to update or cancel your policy by reaching out to us.
Family, Teams & Gyms
Do you offer family plans?
Indeed! Family members can benefit from the same high-level coverage.
Do you provide group rates for teams or academies?
Yes, we facilitate group solutions for gyms and competition teams to ensure everyone is covered.
Can gym owners refer students to JiuJitsuInsurance.com
Absolutely! We have referral programs, posters, QR codes, and additional partnership options available.
Gym & Event Insurance
Do gym owners need a different type of insurance?
Yes. Personal injury coverage is for individuals. Gyms require:
General liability
Professional liability
Accident medical for students
Workers' compensation (as needed)
We can help with all these insurance needs.
Do you offer event insurance for tournaments or superfights?
Yes, we provide coverage tailored to BJJ tournaments, MMA events, grappling shows, and seminars.
Account & Support
How do I access my policy documents?
You will receive a copy via email and can request additional copies at any time.
What happens if I move to another state?
Generally, policies remain portable, but adjustments may be necessary based on regulations in your new state.
Does JiuJitsuInsurance.com sell my information?
No. Rest assured, your data is safe with us, and we do not sell or share personal information.
Is there someone who can help me with questions?
Absolutely! Feel free to reach out anytime at info@jiujitsuinsurance.com or text us at 414-467-6448. We're here to assist you!
Disclaimer: References to insurance policies or coverage are generally to the programs offered by the insurance carriers with whom we place business. Coverage terms, conditions, limitations, and exclusions vary by policy and carrier. Please refer to your Summary of Benefits and policy documents for specific coverage details. When providing a quote, we will always supply the applicable benefits summary and policy documentation for your review. Your licensed insurance agent can assist with any questions regarding coverage.
“Totally worth it if you actively compete in combat sports as a hobbyist or a fighter!”