Insurance Plan

Basic Medical Coverage

All team members are required to have basic medical coverage, either through the BC Medical Services Plan (MSP) or an alternative medical insurance, if ineligible for MSP.

Rugby Canada Coverage

Rugby Canada’s insurance policy does not provide medical coverage if you do not have basic medical insurance.

Supplemental Coverage

There is now a BC-wide rugby insurance plan for physio etc. for paid-up players. Here is what covered in the plan: click here

Making a supplemental coverage claim

Please see below for steps for current insurance claim process:

1. Immediately complete an injury and witness report as soon as possible after the incident occurred

2. Notify Insurance, provincial union and Rugby Canada as soon as possible after the incident

3. Athlete must acquire a physician referral for treatment before an insurance claim can be reimbursed for any treatment / medical expense

4. Athlete acquires physician referral for treatment

5. Referrals, invoices and receipts must be scanned and emailed to, provincial union contact and with the Subject Line: Rugby Injury & Claim  ________ (Athlete’s first and last name)

6. Insurance Representative will process claim and notify athlete / parent of reimbursement

7. All claims must be made within 90 days for the injury.

Additional information available on the BC Rugby website under Insurance Resources:

Scribes Concussion Policy: (updated January 2023)

  1. No pitch side assessment. It’s “Recognize and Remove”. If a player is suspected of a head injury they are removed from the field immediately & must not return during the game.
  2. It is the shared responsibility of the player to ensure that a qualified medical opinion is sought on the recommendation of the attending first aider, during a game, or other players/coaches during training (only a doctor can diagnose concussion or concussion specialist can diagnose a concussion).
  3.  The player is responsible for observing return to play. The injury should be reported in the Scribes injury form.
  4. Players must follow the Gradual Return to Play protocols: 
  5. Medical clearance note to be given to the club president or member of the first aid team. 
  6. If no medical note is provided, return to play rules will follow U19 (return to full contact training no sooner than 18 days, can return to non-contact training if not off work/ school, Stage 5)

Got a hit in the head, face or neck, here is a great website to inform you and your family about what to look out for:

Everyone is expected to have MSP (BC public health system) or some sort of travel insurance that covers rugby. New residents to BC should apply for MSP as soon as they arrive here. Here is the link to get more information and get the process started:

Persons on a working holiday program need to have:

  • a working permit valid for at least six consecutive months or more,
  • must be staying in British Columbia for at least six consecutive months, and
  • be working a minimum of 18 hours per week.

To apply for coverage, those with a valid working permit on a working holiday program must submit the Application for Enrolment form (HLTH 102) (PDF, 587KB) with both of the following items to determine eligibility:

  1. Confirmation of your employment in British Columbia with:
    • a copy of your employment contract indicating full-time status or the number of hours worked per week, OR
    • a letter from your employer stating the date employment started and expected to end, and indicate full-time status or the number of hours worked per week.
  2. Confirmation of your departure date from British Columbia 

When you pay your dues you are automatically signed up to BC excess medical plan. There is a process to make a claim, so before you do make sure you read the following page: