Player Fee Warranty (PFW) offers the SportGuard program that reimburses up to 100% of club membership fees for athletes who suffer a season-ending injury no matter ... WHERE, WHEN or HOW the injury occurs.WHERE: Anywhere - on or off the field (at home, school, playground, rock climbing, etc.).WHEN: Anytime - from the moment coverage begins until the last game is played.HOW: Anyhow - no matter how the injury occurs (slip on ice, skateboarding, fooling around, bicycle riding, etc.). We know that families deserve a refund when their athlete suffers a season-ending injury - as the athlete does not get the value of the remaining portion of the season. We also know that it is difficult for clubs to refund membership fees when an athlete's season-ending injury prohibits them from completing the season - as the club relies on those fees to cover the club's operating expenses.