Sports Travel Insurance

Adventure travel insurance for active holidays

About Sports Travel Insurance

Document

Determine the length of your cover

Single and multi-trip travel insurance for UK residents

 

Water

Cover for over 100 activities

Cover available for over 100 activities, from kayaking to scuba diving

 

Snowflake

Ski cover

Ski cover for up to 21 days per year under a multi-trip policy

 

Worldwide

Europe and worldwide sports travel insurance

Both Europe and worldwide cover options available

Features of Sports Travel Insurance

Standard cover

Holiday cancellation cover

Up to £5,000 cancellation cover (on active trip plus policy), starting at the time of booking until you leave home to commence your trip. Covers cancellation due to injury, serious illness, death, jury service, posting overseas, FCO or WHO advice prohibiting all but essential travel and more.

Medical and personal accident cover

Search and rescue or emergency transfer to hospital up to £50,000 ((on active trip plus policy) if you are participating in an insured activity covered by your policy. Hospital in-patient cover up to limit shown on the summary of cover (Section 4, Hospital benefit). Accident cover for loss of limb, sight, permanent total disablement or death.

Stay in the know

Our 360 Assistance Service offers online access to contact details for consulates and local medical facilities as well as the latest medical, political and security news. Simply register after purchasing your policy and sign up to alerts for specific countries you're travelling to.

Baggage and belongings cover

Up to £2,000 cover (on active trip plus policy) for the replacement or repair of your baggage if it is lost, stolen, damaged or destroyed, or for the cost of buying replacement necessities if your baggage is delayed on outward journey for over 24 hours.

Sports Travel Insurance's FAQs

Question

Will I be able to be insured if I have a medical condition?

Answer

This will be assessed on a case by case basis. The medical screening experts will ask you several questions relating to your health condition and this will determine whether we are able to offer you cover. Please be reassured, everything you tell the team is treated with the utmost confidentiality and your details will not be shared with anyone outside of the organisation.

Question

Will the E111 / EHIC health agreement still be valid after Brexit?

Answer

No. The UK’s reciprocal health agreements (E111 / EHIC) with the EU will come to an end on the 1/1/2021.

It is therefore vital when travelling within Europe you purchase adequate travel insurance, if you wish to be covered should you require medical treatment.

Question

What are the details of the Money Advice Service’s customer contact centre for travel insurance queries?

Answer

The Money Advice Service (MAS) have developed a directory of specialist travel insurance providers to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance.

If you would like to check the quote provided by us is the best for you, you may contact them for details of these providers to obtain a comparison by calling 0800 138 7777 or visiting their website.

You can also see more information on OK to Travel.

 

Question

Does your sport travel insurance cover me for coronavirus?

Answer

No, you will need a separate policy to cover you against this.

Question

Does your sport travel insurance cover extreme sports?

Answer

Our insurance can cover a wide range of sports, from cycling to quad biking, but premiums will range according to the sports you need cover for. You will be able to find this out during the quotation process.

Question

How much ski/snowboarding cover is included in this policy?

Answer

Our multi-trip policy can cover up to 17 days of cover for these activities per insurance year.

Question

Can I get sports travel insurance with Towergate if I am not a UK resident?

Answer

Unfortunately, we can only offer sports travel cover to UK residents.

Question

Are their age limitations on this policy?

Answer

We can offer our annual multi-trip policy to people up to the age of 75 and our single trip policy to people up to the age of 80. Note that the maximum trip length for the multi-trip policy drops to 31 days (as opposed to 60 days), for policyholders over the age of 65.

Question

Does this insurance cover trips in the UK?

Answer

Our multi-trip sports travel policy can cover UK trips which are pre-booked in paid accommodation for one night or more.

Question

What happens if I am delayed on holiday and my insurance policy expires during that time?

Answer

If your return is unavoidably delayed for an insured reason, cover can be extended free of charge for up to 30 days.

Question

I have a pre-existing medical condition. Can you cover me?

Answer

We can cover people with many common medical conditions. An extensive list of medical conditions covered can be found in the policy wording. However, if you are unsure, please call the Medical Screening Service on +44 (0)330 660 0563.

Question

Can I cancel my policy?

Answer

You can cancel your policy within 14 days of receiving it, if you have not travelled, made a claim, or intend to make a claim.

Question

If my holiday is cancelled, will this be covered?

Answer

If your holiday is cancelled due to reasons covered under your policy conditions, you may be able to make a claim. A number of covered reasons:

  • Injury, serious illness, death of yourself or anyone you were intending to stay or travel with, an immediate relative or close business associate
  • If you become pregnant after policy purchase or booking trip (whichever is later) and will be more than 26 weeks pregnant at the start of or during your trip. Or if a medical practitioner advises not to travel due to pregnancy complications.
  • If you are called to jury service, court as a witness (excluding expert witnesses), or redundancy.
  • If you are posted overseas or required for emergency or unavoidable duty and work in the: medical, nursing, armed forces, police, fire, or ambulance services.
  • If FCO or WHO advice prohibits all but essential travel.

Please check the policy wording for further details on holiday cancellation cover.

Question

Will there be an excess to pay in the event of a claim?

Answer

Yes, the standard excess per claim is £150. Please note that a higher excess of £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service in Nepal.

Question

How much cancellation cover does your sports travel cover include?

Answer

Our sports travel insurance includes £2,500 cover for standard single and multi-trip policies and £5,000 cover for our 'Plus' policies.

Question

Will I have medical cover in the European Union?

Answer

If you are travelling in the EU, you should obtain The European Health Insurance Card (EHIC) by calling +44 (0)300 330 1350 or apply at www.ehic.org.uk.

Question

Does your sports travel insurance cover golf holidays?

Answer

Yes, golf cover can be included in your policy as an add-on. This covers your golf equipment hire if your golf equipment is lost or delayed for at least 12 hours on your outward journey, as well as the value of the unused portion of your green fees if you have an accident, are ill, or your documents are lost or stolen which prevents you from playing golf.

Question

Does this travel cover include car hire excess insurance waiver?

Answer

We cannot include car hire excess cover as part of this policy. However, our sister company insurance4carhire offers single trip and annual car hire excess cover.

Question

Are there any exclusions?

Answer

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

Question

Where can I find full details of my policy?

Answer

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on +44 (0)330 660 0785 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim