Student athletes face significant risks of injury from their sport that could result in financial strain without proper insurance. Several insurance companies offer policies tailored specifically for student athletes that provide coverage against accidents. High school football has one of the highest injury rates of any sport, with around 26 injuries occurring for every 100 players. Even less physical sports like track and field still see around 1 in 6 or 8 athletes injured each season, ranging from minor strains to more serious injuries. When choosing insurance for a student athlete, families should consult the school's injury policies but also secure their own private coverage in case an injury exceeds those limits.