Excess Accident Medical

Excess Accident Medical  


What types of Camps/Activities can be covered? 

All University of Kentucky Camps or Field Trips have Excess Accident Medical Insurance available for purchase to cover campers and counselors provided that all the following criteria are met:

  • The Activity/Camp must be sponsored by the University and supervised by University personnel. Essentially, a University department must take responsibility for the organization, hosting, and (usually) funding of the activity.
  • The Activity/Camp must be one of the following: summer camp, sports activity, field trip, activity involving participants under age 18, or an activity involving more risk than would typically be expected in an academic learning setting (i.e. rock climbing, snow skiing, workshops with power tools, youth livestock show).
Get a Quote & Apply Online!

Use the online form to get a quote and apply for Excess Accident Medical insurance for your Camp or Activity.

What types of Camps/Activities are ineligible?

  • University of Kentucky Athletics Department Activity/Camp insurance is managed through a separate policy; therefore, it is not necessary to apply for coverage for each Camp/Activity.
  • (Claims filing instructions are below for the 4-H and Athletics Department Accident Medical policies.)
  • Student organization activities.
  • Activities held on University property but operated by an outside organization.
  • Events primarily targeting adults.
Download the Quote Request Form

Complete this fillable form and email it to us to request a quote for Excess Accident Medical Insurance for your Camp or Activity.


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • What does this plan cover?

    The annual Master Policy renewal occurs on January 1.  This insurance coverage applies on an excess basis only.  The participant's personal health insurance policy will primarily cover accident and sickness claims.  This excess accident medical policy will cover any out-of-pocket expense not paid by the participant's personal health insurance up to the limits of the policy (see Coverage Benefits table below).  This includes payment of the deductible and coinsurance amounts if applied under the participant's personal health insurance policy.  For accidents, the first expense must be incurred within 180 days of the accident.  


    If the participant does not have personal health insurance coverage, this excess accident medical insurance policy will pay first dollar, up to the limits of this policy.  


    This policy does not cover pre-existing conditions.  A pre-existing condition is any condition for which a prudent person should have sought treatment or was treated in the previous six months. 


    Coverage Benefits*



    Accident/Medical Expense (Excess)


    Benefit Maximum


    Benefit Period

    2 years (from the date of the covered accident)


    $0 (per covered accident)

    Emergency Room


    Outpatient X-Ray, CT Scan, MRI, Lab Tests


    Physician Services


    Ambulance Services


    Prescription Drug Benefit


    Dental Services


    Emergency Sickness (Excess)

    100% up to $500 & 365 day benefit period

    AD&D and Paralysis

    $25,000 (principal sum)

    Benefit Period

    1 year (from the date of the covered accident)


    *The coverage benefits described on this website are a summary of benefits only; please contact the University of Kentucky Risk Office to reference the policy for specific information on policy coverage and exclusions.

  • How much does the coverage cost?

    Camp/Activity Type*

    Cost (Per Participant)

    4-H Day Camps

    $0.24 per day

    4-H Overnight Camps

    $0.35 per day

    4-H Sports Camps (excluding tackle football)

    $0.52 per day

    4-H Tackle Football Camps

    $9.50 per week

    Miscellaneous Non-Sports Camps/Activities/Field Trips

    $0.22 per day


    *Athletic Department Activity/Camp insurance is managed through a separate policy.

  • How do I apply for coverage and pay for a Camp/Activity?

    Please Note:

    • Credit card payments are now accepted regardless of how the application is submitted.
    • All invoices may be processed through the University of Kentucky PRD system using vendor number 384318.
    • University of Kentucky Athletics Department Activity/Camp insurance is managed through a separate policy. There is no need to apply for coverage here. (Claims filing instructions are in the FAQs below for the 4-H and Athletics Department Accident Medical policies.)


    There are two options to apply for coverage for your Camp/Activity.


    Option 1: Click on the “Apply Now” button anytime to complete the simple, quick online form that will automatically provide you with a quote, accept credit card payment and provide a paid invoice for your Camp/Activity immediately. (If your group does not have access to a credit card, then check payment may be requested online and an invoice requesting payment will be instantly emailed to you. Otherwise, credit card is the required payment method.)


    Option 2: Click on the “Quote Request Form” button to download the Excess Accident Medical Request form. Complete and sign the form and email it to Mercer Consumer at plsdsteam.service@mercer.com or fax it to us at 1-515-365-3005. Please allow a minimum of 3 business days for processing. Next, we will email a quote with an invoice to the applicant’s email address. The quote must be signed and returned to Mercer at plsdsteam.service@mercer.com before we can take payment.


    If paying with a check, it should be made payable to Mercer Health and Benefit Administration LLC and mailed to us with the invoice and signed quote (if the paper application was used) at the address below.


    Mercer Consumer, a service of

    Mercer Health & Benefits Administration LLC

    PO Box 14521

    Des Moines, IA 50306


    Once the payment is processed, a paid invoice will be emailed to the applicant. Specific endorsements are not required for any Camps/Activities and will not be issued by the insurance carrier. The University of Kentucky receives a report listing all covered Camps/Activities. If you have questions, our service center is available at 1-866-838-9536 from 8am-5pm (CT), Monday- Friday.

  • For Camps/Activities that are 1 week long or longer, what additional forms are required?

    All Camps/Activities that are 1 week or longer in duration must have the following forms completed by a parent or legal guardian prior to participation in the camp: Medical Insurance Information, Medical Authorization, and Consent to Treatment/Insurance Statement.  These forms may be downloaded from the Download Forms button on this page.  Once completed, parents/guardians should submit these forms to the University of Kentucky Department responsible for the Camp/Activity.


    If the participant has personal health insurance, that insurance is primary.

  • How is a claim reported for 4-H and Athletics Department Camps/Activities?

    The complete instructions and claim form may be downloaded from the Download Forms button on this page.


    Mail or email the fully completed claim form, each Itemized Bill (and the prescription, if applicable) and the corresponding EOB to the following address: (Please include the Policy Number on all correspondence)


    NAHGA Claim Services

    P.O. Box 189

    Bridgton, ME 04009


    Fax 207-647-4569

    Phone 800-952-4320 


    Please remember, the policy is an Accident insurance policy. It does not provide reimbursement for illness or for injuries that are not the result of an Accident. It is subject to exclusions and limitations. The policy may also contain a deductible which may be the claimant’s responsibility. Please be aware that the claim form contains state mandated fraud warning language that requires your review and signature.

Download Forms

Forms for Camps/Activities that are 1 week or longer and claims filing instructions and form.


We're here to help! Please contact us in whatever manner is most convenient for you.

Mercer Contact Information

The University of Kentucky has selected Mercer to administer this insurance program.

PO Box 14521
12421 Meredith Drive
Urbandale, IA 50306-9279
 M-F 8a-5p CT

Campus Risk Offices Contact Information

University of Kentucky Risk Management
306 Peterson Service Building
Lexington, KY 40506-005

Director Risk Management
Todd Adkins


Assistant Director
Bart Miller


Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.