Skip to Content

Hazardous Sports Travel Insurance for Athletes

Who should consider sports travel insurance? Are you an athlete or simply enjoy playing sports around the world? If so, you may want to consider sports travel insurance.

The insurance that you have in your country may not cover you for sports activities or hazardous sport when you travel outside your country. Sports travel insurance provides financial protection in case something was to happen while traveling or engaging in various adventures.

Each policy is different in what it covers, so here are some of the most comprehensive ones, and information on how you can find one that’s best for your needs.

Tourists who are sports enthusiasts and athletes who travel outside their home country for hazardous athletic activities can meet with accidents resulting in expensive medical treatment. You can consider enough sports travel medical insurance to avoid paying huge medical bills.

Hazardous Sports Travel Insurance

Sports Travel Insurance – Comprehensive Benefits

Safe Travel USA Comprehensive

$69 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
  • Coverage for 1 episode of Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
  • Review Plan
Purchase Now

Atlas America

$80 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $2 million
  • Deductible options from $0 to $5,000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure
  • Review Plan
Purchase Now
visitor-guard - ball

Diplomat America

$99 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage from 5 days to 364 days (non-renewable)
  • Brochure
  • Review Plan
Purchase Now
visitor-guard - ball

Diplomat Long Term

$173 / mo For age 45 years with $500,000 plan and $250 deductible
  • Plan maximum limit choices from $500,000 and a $1 million
  • Deductible options from $0 to $5,000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid -19
  • Unexpected recurrence of a pre-existing condition( for US citizens)
  • Renewal Coverage from 5 days to 2 years
  • Brochure
  • Review Plan
Purchase Now
Need help?
Talk with an expert!

+1 (804) 325-1385

 

Safe Travels USA Cost Saver

This insurance provides comprehensive coverage for people who want to visit the United States. This is also a sports travel insurance option. You can review benefits in the Brochure

The following sports are covered by increasing the person per day rate by 20% and adding the amount of premium per class per month. Coverage for injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities.

Safe Travels USA Cost Saver insurance is administered by Trawick International and underwritten by Crum and Foster.

Candidates for this policy must be under the age of 99 years old.

Professional and Semi-Professional Sports are always excluded. Any athletic sport not expressly covered here is excluded from this policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.

Class 1– includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball, and Golf: 20%+$0

Class 2– includes Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby, and Soccer: 20%+$26 per person per month

Best Plans for Sports Travel Insurance
sports Travel Insurance plan

Diplomat America

Diplomat America Insurance is also known as Diplomat America Travel Medical Insurance. It provides comprehensive visitor medical protection to non-U.S. citizens visiting the United States.

Diplomat America offers many different benefits, such as accident and sickness medical coverage, travel assistance, and accidental death and dismemberment benefits. Benefits include coverage for medical evacuation, lost luggage, emergency dental, trip interruption, accidental death and dismemberment, carrier accidental death, emergency visit, repatriation of remains.

Policies can be for policyholders, spouse, and unmarried children ages 14 to 18 years. This is only for people traveling to the United States This includes those who are seeking to visit the U.S. for vacationing or to engage in risky sports or adventurous activities. There are limits to cover, and exclusions for those who are older.

Class 1– includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball, and Golf: 20%+$0

Class 2– includes Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby, and Soccer: 20%+$26 per person per month

Activities included under Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports:

For this coverage, an additional 1.25 factor is added to the base premium plus any additional monthly flat rates as listed in the below table.

OptionsActivities included under Athletic Sports &
Hazardous Activity
Activities included under Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports
Low OptionNo Additional ChargeAdditional $12.00 flat monthly rate.
 Includes the following sports:-BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding(Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.Includes the following sports:-Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.
Middle OptionAdditional $25.00 flat monthly rate.Additional $26.00 flat monthly rate.
 Includes the following sports:-Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.Includes the following sports:-Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.
High OptionAdditional $50.00 flat monthly rate. Additional $80.00 flat monthly rate.
 Includes the following sports:-Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).Includes the following sports:-Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.

Shopping for Sports Travel Insurance

Do your research as you shop for sports travel insurance. It’s important to compare your needs with what is covered by each plan. Once you decide on which plan suits you, you can purchase it online.

Often, in addition to receiving an e-copy of your policy shortly after purchase, you will also receive a copy of the policy in the mail. This may take two weeks or less depending on the company.

Safe Travels USA Cost Saver and Diplomat America are good options for those who are seeking sports travel insurance when visiting the United States from another country. They can save you a lot of money in case of a tragic accident. Get quotes for them, review their plans, and decide on the one that provides you the coverage you need.

.

insurance for athletics club sports and organized sports

Benefits and Exclusions to Keep in Mind While Narrowing Down Which Plan to Go with Include:

Coverage for pre-existing conditions: If you have any condition for which you have taken medication or treatment in the recent past, it is important to know what your plan will cover in case the condition recurs. Typically plans do not cover known and scheduled treatment costs. However, should the condition unexpectedly recurs, Safe Travel cover the first $1,000 related to the treatment of a sudden unexpected recurrence of a pre-existing condition, while Diplomat America excludes all treatment related to a pre-existing condition.

Safe Travel offers optional coverage by paying an additional 20% of the premium for athletic sports coverage, here to professional and semi-professional sports always fall under the exclusions. Diplomat America offers optional coverage at an additional 1.25 factor on the base premium plus additional flat monthly rates as specified in the table above.

Club sports or organized sports can be covered via a group plan. Please contact us for a custom quote.

ballet dancing travel insurance

Traveling always involves risks, and when it comes to participating in sports and adventurous activities abroad, the risk is doubled. Even if you are a seasoned athlete or sportsperson, you can never be certain something won’t go wrong on your next trip abroad. Rather than running the risk of paying through your nose for medical expenses, rely on sports travel insurance that will prove immensely valuable in an emergency situation. Don’t you think the peace of mind you will experience is worth the premiums you pay? Then go for it and get the best quote today!

More About Sports Travel Insurance USA

FAQ

If you have questions about Visitor insurance you have come to the right spot.

Explore More

Health Insurance for Foreigners in USA – Obamacare

Note: This post was originally written in 2013. As of 2019, US citizens are.

Explore More

PPO Network Search

What is a Preferred Provider Organization (PPO) Network and how to search providers in.

Explore More

Sports Travel Insurance FAQ

Sports activities like jet skiing, kayaking, sky diving, rock climbing, bungee jumping are considered hazardous sports and will need the adventure/hazardous sports rider coverage to be added your insurance policy for coverage for such activities. 

Coverage for injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities for basketball, soccer, ballet, football, (check plan brochure for complete listing) can be covered with a Athletic sports rider at an additional daily premium.  

Professional and Semi Professional Sports are always excluded. Any athletic sport not expressly mentioned as covered are typically excluded from the policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.

Error

Information

Back to top
Call Now Button