Loading…
Loading…
A bad hop, a hard slide, a long night in the ER. Even with health insurance, one injury can leave you paying the deductible, copays, and coinsurance yourself. Gap Medical sits on top of your health insurance: your health plan pays first, and this policy reimburses up to $5,000 of the out-of-pocket costs it leaves behind — when your player is injured during a covered game or practice of the program you registered for. Add it in seconds during registration checkout in the Baseline app.
Up to $5,000
of out-of-pocket medical costs reimbursed — after your health insurance pays first*
$0
deductible or copay on this policy itself — it reimburses the ones your health plan charges
10 days
to cancel after purchase if you change your mind**
*Gap Medical is excess coverage: your health insurance (and any other coverage) pays first, and this policy reimburses eligible remaining costs up to the limit. No health insurance at all? You can still buy it — per Vertical Insure's product terms, the maximum benefit is $2,000.
**If no claim has been filed. The association and administration fee included in your purchase is non-refundable.
Gap Medical can only be added during registration checkout in the Baseline app. Underwritten by Conifer Insurance Company. Administered by Vertical Insure.
Gap Medical
Coverage for sports injuries
Add Accident & Injury Insurance
Get reimbursed for out-of-pocket medical costs if the participant is injured during the covered activity.
Gap Medical
Coverage for sports injuries
You're all set! You're covered for up to $5,000 of accident medical costs.
One policy, two names
In the Baseline app, this product is called Gap Medical. On your certificate email, in the claims portal, and in the video below, ViCoverage calls the same policy Accident & Injury Insurance. If your certificate says “Accident & Injury Insurance” — that's this coverage. You have the right document.
Here's something most of us learn the expensive way: having health insurance doesn't mean a hospital visit is free. Before your plan pays a dollar, you cover the deductible. At the doctor's office, you cover the copay. After the deductible, you still cover your coinsurance share. That stack of “your part” is the gap — and a sports injury can land right in the middle of it.
Gap Medical is an optional accident-only policy you can add during registration checkout. If your player is injured in an accident during the covered activity — the games and practices of the program you registered for — it reimburses the actual out-of-pocket medical costs your health insurance leaves behind, up to $5,000. It sits on top of your health plan: your health insurance pays first, and Gap Medical reimburses what's left, up to your limit. If you don't have health insurance at all, you can still buy it — but per Vertical Insure's product terms, the maximum benefit is $2,000 instead of $5,000.
One clarification we'd rather make now: this policy itself has no deductible or copay. That means Gap Medical starts reimbursing from the first eligible dollar you're left holding — it doesn't mean your health plan's deductible disappears. Reimbursing that deductible is the whole point.
Deductible
What you pay before your health plan starts paying — $2,700 on the average employer plan, per ViCoverage, and around $4,500 on high-deductible plans.
Copay
The flat fee you pay per visit or prescription.
Coinsurance
Your percentage share of the bill even after the deductible is met. If your plan “covers 80%,” the other 20% is yours.
Hypothetical example — for illustration only. Your plan's numbers will differ.
Say your player breaks an arm at practice and the ER bill comes to $6,000. Your health plan has a $2,500 deductible, then covers 80%.
Hypothetical example from Vertical Insure: a $6,000 emergency-room bill where the family's health plan pays 80% after a $2,500 deductible. Gap Medical reimburses the $2,500 deductible plus $700 coinsurance the plan left behind, assuming all costs are eligible expenses under the policy. Your plan's numbers will differ.
What it costs: the exact price is calculated for your specific registration and shown in the app before you decide — premium plus taxes and fees, itemized on screen. It's a one-time cost that covers the full duration of the registered activity.
Skim both lists before you buy — the not-covered list is where the surprises live. The full policy governs.
Covered medical expenses
For an injury caused by an accident during the covered activity, after your health insurance pays first. Care must be medically necessary and prescribed by (or given under the direct supervision of) a physician, and treatment must be administered or prescribed within 90 days of the injury.
The honest part: what's NOT covered
The four most important exclusions come first. This is accident-only coverage.
This is a summary, not the policy. For every definition and exclusion, read the full policy terms (PDF) — and note that coverage may vary by state.
“I already have health insurance.”
Good — this is built for exactly that situation. Your health insurance pays first, always. But most plans leave a real bill behind: ViCoverage reports the average employer-plan deductible is $2,700, and high-deductible plans average around $4,500. If your player needs an ER visit in October and you haven’t met the deductible, that’s the check you write. Gap Medical reimburses those leftover costs — deductible, copays, coinsurance — up to $5,000. It doesn’t replace your health plan. It cleans up after it.
“What are the odds we’ll ever use it?”
Hopefully zero — that’s the point of insurance. We won’t invent an injury statistic to scare you. Here’s the honest version instead: youth sports are physical, ERs are expensive, and you already know exactly what a claim would be worth to you — look up your plan’s deductible. The coverage is scoped tightly to match: one player, one activity, games and practices only, priced once and itemized at checkout before you pay anything. And the parent who buys the policy is covered too — as a spectator at your player’s covered activity.
“What’s the catch?”
There isn’t a hidden one — there’s a visible one, listed right above. Accidents only: getting sick isn’t covered, the drive to and from practice isn’t covered, and pre-existing conditions (24-month lookback) aren’t covered. It’s also reimbursement, not prepayment — you pay the medical providers first, then file with your receipts and your health plan’s paperwork, and get paid back for eligible costs; nothing is preauthorized. The deadlines are real: notice within 30 days, proof within 90. Change your mind after buying? You have 10 days to cancel if no claim has been filed — though the association and administration fee included in your purchase is non-refundable.
Three steps. All inside checkout. No separate website, agent, or paperwork.
As you pay for your registration, you’ll see the shield card: “Gap Medical — coverage for sports injuries,” with the key benefits checkmarked. The exact price is calculated for your registration and itemized — premium plus taxes and fees — before you pay a cent. It’s a one-time fee covering the duration of the registered activity. Want details first? Tap “Learn more.” Ready? Tap “Continue to get coverage.”
Gap Medical
Coverage for sports injuries
Add Accident & Injury Insurance
Get reimbursed for out-of-pocket medical costs if the participant is injured during the covered activity.
Before you pay, the confirmation screen shows everything that matters: the named covered participant, the coverage dates (first day of the activity through the last day), and the full itemized total. Accepting coverage counts as your electronic signature on the policy. If it all looks right, tap “Pay now.”
Confirmation
Continue to purchase Gap Medical insurance
Important to know
Your exact price — premium plus taxes and fees — is itemized here before you pay.
Your registration in the app now shows its covered status, with a “File a claim” shortcut right where you’ll want it. Separately, ViCoverage (Vertical Insure) emails you a confirmation with your Certificate of Insurance — policy number, covered person, coverage dates. One heads-up so you don’t do a double-take: the certificate says “Accident & Injury Insurance.” That’s ViCoverage’s consumer name for this exact policy. Keep that email — it’s your policy in writing.
Gap Medical
Coverage for sports injuries
You're all set! You're covered for up to $5,000 of accident medical costs.
Coverage window: coverage runs from the effective date to the expiration date on your certificate — the duration of the registered activity. It's a short-term, single-premium policy and doesn't renew: each additional activity needs its own policy, offered at that registration's checkout. Changed your mind? You have 10 days from purchase to cancel if you're not satisfied and haven't filed a claim — email support@vicoverage.com. Note: the association and administration fee included in your purchase is non-refundable.
This is the part most insurance pages bury, so we're putting it front and center. Two things to know before anything else. First: claims are handled by Vertical Insure (ViCoverage) — not Baseline — through a simple online portal. Second, and honestly: this is reimbursement coverage. The insurer can't preauthorize treatment or guarantee coverage in advance. You remain responsible for paying your medical providers, and Gap Medical pays you back for eligible costs afterward — up to your limit.
Notice of claim
30 days
Tell ViCoverage within 30 days of the accident or the treatment, whichever is later (or as soon as reasonably possible). Don’t wait for the bills to finish arriving — start now.
First treatment
90 days from the injury
Treatment must be administered or prescribed within 90 days of the injury to be eligible. Get your player seen promptly.
Claim forms
15 days
After your notice, claim forms are sent to you for filing proof of loss. If they don’t arrive within 15 days, you can satisfy the proof-of-loss requirement by sending a written statement of what happened, within the 90-day proof window.
Proof of loss
90 days from the loss
Your written proof — the documents below — is due within 90 days. If filing on time wasn’t reasonably possible, late proof is accepted for up to one year.
Payment
30 days
Claims are paid within 30 days of ViCoverage receiving all required information.
The exceptions exist for genuine hardship — don't plan on them. File early.
Get your player treated, and keep everything.
Care comes first — ER, urgent care, your pediatrician. Remember the eligibility rule: treatment must be administered or prescribed within 90 days of the injury. Pay your providers as usual and ask every one of them for an itemized receipt showing the amount paid, the diagnosis, and the treatment. Those receipts are the backbone of your claim.
Notify ViCoverage within 30 days.
The deadline is 30 days from the accident or the treatment, whichever is later. The fastest route: tap “File a claim” on your registration in the Baseline app, or go to customers.vicoverage.com and create a free account using the email on your policy — your active policies will be there with a link to begin your claim. In a hurry? Your confirmation email from ViCoverage also contains a claims-portal link. Once you’ve given notice, claim forms are sent to you — and if they don’t arrive within 15 days, you can satisfy the proof-of-loss requirement with a written statement of what happened.
Run the bills through your health insurance first.
Gap Medical pays after your health plan (and any other coverage — HMO plans, auto medical payments, workers’ comp, government programs), so ViCoverage needs to see what your health insurance did with the claim. Wait for the EOB — the “Explanation of Benefits.” That’s the statement your health insurer sends after processing a claim, showing what the provider charged, what the plan paid, and what’s left to you. The policy calls it the “final disposition of the claim” — same document, and the single most important one in your claim. (No health insurance? Skip this step and submit your itemized bills; per Vertical Insure’s product terms, your maximum benefit is $2,000.)
Submit your proof of loss within 90 days.
Upload the documents in the checklist below through the portal. Complete documentation on the first submission is the difference between a fast claim and a slow one.
Get paid.
Payment goes out within 30 days of ViCoverage receiving all required information. One procedural note: like most accident policies, the insurer may ask to have a physician examine the injured person as part of reviewing the claim — it’s a normal part of the process, and cooperation is required.
Required by the policy:
Also requested by ViCoverage to verify the claim:
The policy requires your cooperation in verifying a claim, so provide these too — they keep the claim moving.
Policy number, covered person, coverage dates
The Certificate of Insurance email from ViCoverage (Vertical Insure), sent right after purchase. It’s titled “Accident & Injury Insurance” — that’s this policy. Search your inbox for “ViCoverage” if it’s buried.
Your coverage status and a shortcut to file
Your registration’s coverage card in the Baseline app — tap “File a claim”
All your policies in one place
Your profile in the Baseline app, or the portal at customers.vicoverage.com
The EOB (Explanation of Benefits)
Your health insurance member portal or mailbox — it arrives after your health plan processes the bills
Itemized medical receipts
Each provider’s billing office or patient portal — ask for an itemized statement with diagnosis and treatment
Proof of participation and the incident note
Your program: the roster or team page, and a quick written confirmation from the coach or admin
The full policy wording
The policy terms PDF from Vertical Insure — linked at the bottom of this page
Questions about a claim or your policy? Contact Vertical Insure at support@vicoverage.com.
Still deciding? Shelly from ViCoverage — the team that administers the coverage and handles the claims process — walks through the benefits in about a minute. You'll hear the policy called by its certificate name, Accident & Injury Insurance. That's this product: Gap Medical in the Baseline app, Accident & Injury Insurance on your paperwork.
“What is Accident & Injury Insurance?” — ViCoverage (Vertical Insure) · 70 seconds
Straight answers about coverage, claims, and your policy.
Because health insurance rarely pays the whole bill. Most plans have a deductible you pay first (ViCoverage reports the employer-plan average is $2,700, around $4,500 for high-deductible plans), plus copays and coinsurance after that. Gap Medical works on top of your health insurance: your health plan pays first, and this policy reimburses the eligible out-of-pocket costs it leaves behind — up to $5,000 — when your player is injured in an accident during the covered activity. This policy itself has no deductible or copay; its purpose is to pay you back for the ones your health plan charges.
Two different protections. One checkout.
Gap Medical protects your family from medical bills if your player gets hurt in a covered game or practice. Its sibling, Registration Insurance, protects the fees you already paid if injury, illness, or another covered reason ends the season early. One covers the ER bill; the other covers the registration money. They're complementary, not overlapping — a bad injury can trigger both, and both are offered in the same checkout.
See how Registration Insurance works →Run a facility or league?
Gap Medical is built into Baseline registrations — your families get injury coverage offered right at checkout, with claims handled entirely by Vertical Insure.
See how Baseline handles registrations →Gap Medical Insurance (offered under the consumer product name “Accident & Injury Insurance”; policy form AC-000001, Master Policy #MPMS-0000001) is underwritten by Conifer Insurance Company (NAIC #29734) and sold and administered by Vertical Insure, Inc. (consumer brand: ViCoverage), with Next Wave Insurance Services, LLC as broker of record. Baseline is not an insurance company and is not an insurance producer; Baseline does not underwrite, sell, administer, or adjudicate policies or claims. This page is a plain-English summary provided for convenience — it is not your policy and does not modify it. Coverage, benefits, definitions, exclusions, and limits are governed exclusively by the terms of the policy and your Certificate of Insurance and may vary by state; if anything on this page differs from your policy, the policy governs.
This is accident-only, excess insurance: benefits are payable only for eligible medical expenses in excess of all other valid and collectible insurance — including health insurance, HMO or prepaid plans, motor-vehicle medical payments coverage, workers' compensation, and government programs — up to the limit shown on your Certificate of Insurance ($5,000 per policy period), with a $500 sublimit for chiropractic care included within (not in addition to) the overall limit. Per Vertical Insure's published product terms, the maximum benefit is $2,000 if the covered person has no primary health insurance. Treatment must be administered or prescribed within 90 days of the injury to be eligible. Recovering from other insurance does not entitle you to a premium refund. Benefits are paid on a reimbursement basis; coverage cannot be preauthorized, and the covered person remains financially responsible to medical providers. It is not a substitute for major medical or comprehensive health insurance. The purchase price includes a non-refundable association and administration fee; the 10-day cancellation right (available if no claim has been filed) does not refund that fee. Coverage is short-term, single-premium, and non-renewable; a separate policy is required for each additional registered activity. “Child” means a dependent child (natural, step, or placed for adoption or foster care) under age 26 at policy inception.
Read the full policy terms (PDF) and the Conifer Insurance Company details and disclosures. Policy questions and claims: support@vicoverage.com or customers.vicoverage.com.