Sweat the game, not the what-ifs.

Accidents happen, and traditional health insurance plans leave you vulnerable to high deductibles and copays. With Gap Medical Insurance, you can get reimbursed for your out-of-pocket costs if an accident occurs on the field.

Protect against unexpected out-of-pocket-medical costs.

Did you know that 3.5 million kids receive medical treatment every year for sports-related injuries? Don’t let the fear of medical bills keep your child from playing the game. If your child is injured during practice or a game, you can be reimbursed to cover unexpected medical costs. This policy compliments your existing health insurance plan, especially if you’re on a high-deductible plan.

no deductibles or copays

provides a reimbursement of up to $2,000 or $5,000 (depending on your plan’s coverage limit)

one-time fee

covers the entire event or season


weeks of coverage available for the event or season

Frequently Asked Questions

We already have health insurance, why do I need this?
Gap Medical Insurance is an excellent compliment to your existing health insurance. Most families’ health plans have high deductibles which come directly out of your pocket. For a reasonable premium, Gap Medical will cover up to $2,000* or $5,000* of your out-of-pocket medical expenses if your child is injured while participating in the covered activity.

*Coverage limit is dependent upon your plan. Please see your policy for details.

What does this insurance cover?

Gap Medical Insurance can reimbursed out-of-pocket medical expenses up to your plan’s coverage limit if your child is injured while participating in a registered activity. Your health plan’s deductible can be included as an out-of-pocket medical expense.

What is the duration of my coverage?
Coverage starts the day of the registered program’s first activity and ends on the last day of the activity. Any injuries that occur during an official game or practice are included. however, injuries sustained outside of the official program are not covered.
Can I file multiple claims for a participant?

Yes! Multiple claims can be filed on a single participant up to the coverage limit.

How do I file a claim?

After purchase, you will receive an email from Vertical Insure containing coverage details and a link to the claims portal. Search for “Vertical Insure” in your inbox or spam folders to locate this email. The claims portal will include a short submission form that may require supporting documentation to verify the claim (medical records, receipts, or other relevant documents). You can also visit the Vertical Insure Customer Portal ( to find your coverage details and the link to begin the claims process. You can also reach out to with any questions.

When will I receive an answer on my claim?

With proper information and documentation received, you can accept a resolution and payout typically within 5-7 business days. Any questions about your coverage can be directed to

Where can I find the details of my insurance?

After purchasing insurance, you will receive an email from Vertical Insure containing the Certificate of Insurance Number or Policy ID. Search your inbox (search “Vertical Insure”) or check your spam folders for the email. If you are unable to locate the email, visit the Vertical Insure Customer Portal ( Or you can send a request to using the email address associated your initial registration and include your name and the participant’s name.

My school/org requires insurance. Will they accept this?
Gap Medical Insurance is supplemental coverage and should not be considered as primary health coverage. Prior to purchasing this insurance, you should talk to your school or the organization about their medical insurance requirement.
Can I cancel my insurance?
If the buyer is not satisfied with the product for any reason, they have the option to cancel the insurance within ten (10) days of the initial purchase date. If cancellation is requested within those ten days, Vertical Insure will process the cancellation of the coverage and refund the premium in full, as long as a claim has not yet been filed. Cancellation requests should be submitted to