Most professional contracts include some type of formal health insurance. BIP highly recommends having some type of emergency insurance provider in the States as a back-up as well. If your injury is minor, local doctors, physical therapists, and athletic trainers will be equipped to treat you. Major injuries can also be treated in Europe, however most American athletes typically prefer to return to the States if their injury requires surgery. In the event of a season-ending injury, most teams terminate your playing contract to pursue a healthy player in your place.