Going on a trip or on vacation is often an opportunity to play sports. Take advantage of an exceptional natural setting or quite simply a good reason to spend time with family or friends. But before you embark on climbing a mountain or diving in the Great Barrier Reef, have you thought about your travel insurance? What is your coverage when playing sports?
Recreational sports only
Most travel insurance cover sports as long as they are practiced for leisure. This means that this sport should not be practiced within the framework of a club, a federation or an official competition. If you are a professional athlete or want to practice a sport on a regular basis in a club, your insurance will not cover you.
List of sports covered
Even when practicing a sport as a hobby, certain disciplines are considered exclusions and you will therefore not be reimbursed in the event of medical expenses or accidents related to the practice of this sport.
The sport you practice is not in this list? You can deduce two things from this:
- The list of sports sometimes combines different disciplines. If you practice judo or karate during your Globe Partner contract, these sports are not present in the list, but are part of the “combat sports” category, which appears in the table. No support therefore on the tatami.
- If neither your sport, nor any other term on the list, is related to the category of sport you wish to practice, this means that this discipline is well supported by your contract, within the framework of a leisure activity. . A game of football or rugby with friends on a Sunday afternoon is the perfect example of taking charge.
My sport is excluded, what should I do?
In the event that you take advantage of your stay abroad to practice one of the sports excluded from your insurance contract (excluded discipline or practice in a club), it is important to settle this question before starting the activity. . Indeed, the practice of a risky sport to which you are not accustomed exposes you to a high risk of injury and other accidents.
Often, sports clubs and federations offer insurance contracts adapted to the practice of their discipline and thus allow you to complete your health insurance for travelers contract. Some insurances also offer “à la carte” contracts that can cover you during your sports days.
Before practicing a sports activity, if you do not find a clear answer to your questions in the general conditions of the contract, do not hesitate to contact your insurer to be sure of the coverage. This will save you from unpleasant surprises!