What does ironman triathlon insurance cover?
Our Ironman Triathlon Insurance is designed to cover you and give you peace of mind when you look to enjoy this form of activity. We have different policies available, to cover you abroad or within the UK.
The Sports Travel policy includes protection against the usual travel mishaps such as delayed flights and lost baggage but also includes protection if you were to be injured whilst taking part in an ironman triathlon.
If your current travel insurance, from your bank for example, doesn’t cover specific ironman triathlon activities, our Activity TopUp policy can fill the gap with additional protection.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant in policy documentation.
Emergency Medical Expenses
Cancellation
Sports Equipment
Travel Delays
Personal Accident
- Emergency Medical Expenses & Repatriation
- Cancellation & Curtailment
- Personal Liability
- Baggage & Personal Effects
- Delayed Baggage
- Sports Equipment
- Activity & Race Entry Fees
- Search & Rescue
- Personal Accident
- Travel Delay, Abandonment & Missed Departure
- Money & Documents
- Legal Expenses & Advice
- Catastrophe
- Hijack
- Personal Assistance
We offer a bronze, silver and gold package to account for different levels of cover you might need.
For more details on what is included in our sports travel policy please request a quote.
- Claiming for circumstances you were aware of before your policy
was issued, or trip was booked (whichever is the later). - Professional sports or activities
- Injury sustained through participation in sports / activities not included in the sports group(s) you have cover for.
- Travel to a country or region to which the Foreign, Commonwealth & Development Office (FCDO) has advised against all travel or all but essential travel.
- Medical treatment within your Country of Residence
- Personal Liability Excluded for some sports.
- Treatment in a private hospital unless pre-agreed
For further information on exclusions in your cover please refer to policy documentation.
- Emergency Medical Expenses
- Cancellation
- Personal Liability
- Legal Expenses & Advice
- Search & Rescue
For more details on what is included in our Activity TopUp policy please request a quote.
- Claiming for circumstances you were aware of before your policy was issued, or trip was booked (whichever is the later).
- Professional sports or activities
- Injury sustained through participation in sports / activities not included in the sports group(s) you have cover for.
- Travel to a country or region to which the Foreign, Commonwealth & Development Office (FCDO) has
advised against all travel or all but essential travel. - Medical treatment within your Country of Residence
For further information on exclusions in your cover please refer to policy documentation.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your ironman triathlon insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
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Experienced Claims Handling
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Our UK sales team are here to help.
Frequently
Asked Questions
I’m British but live abroad, can sports travel insurance cover me?
We only cover persons who have been resident of the United Kingdom, Channel Islands or Isle of Man or at an official BFPO (i.e. British Armed Forces base) (in which case Country of Residence is substituted for United Kingdom) for at least the last 6 months.
Do you offer a discount for group bookings?
Yes, we offer a 5% discount for parties of 5 or more and a 10% discount for parties of 10 or more.
Are there any altitude restrictions when going on a climbing holiday?
For Climbing (sea cliffs / ice climbing), Mountain climbing (with ropes and/or guides), you will be limited to 4000m when outside of Europe (zones 2 and 3).Please note that if you are likely to come across ice whilst you are climbing, you will need to select mountain climbing incl. ropes/guides. This will cover you for crevassed approaches and descents to mountain summits and ice climbing involving ice axes, crampons, ropes and the use of bolts.
I’m planning to do an activity that isn’t listed on the website, can you cover it?
Call or email us with your details and we would be happy to have a look into it for you. As we already cover over 500 sports, we might just be able to add another one.
Will my policy cover a pre-existing medical condition?
It will depend upon what the condition is and the treatment being received, and it may be affected by the sport that you are planning to do. You would need to provide details which would be submitted to our underwriters, who would then agree the terms under which they would approve the condition. For some more common conditions we can tell you instantly whether or not you would be covered. Otherwise, you can expect to hear within 24 hours (during the working week).
Will my medical condition affect the price of my policy?
No. The only difference it will make is whether or not we will include cover for any claims relating to that condition. Sometimes the answer is no, and sometimes we will apply a higher excess to any claims that were connected to that condition.
I already have a policy but have been diagnosed with a new medical condition, what should I do?
You should advise us of any new medical condition or injury sustained during the course of an annual policy otherwise cover for it will automatically be excluded.
What should I do if I require medical treatment abroad?
At the first opportunity, you (or someone on your behalf) should call our International Medical Group number 01494 412402. They will be able to help and advise you, and where possible deal direct with the hospital / clinic. If you need alternative flights / transport to get you home, they can help to arrange this. If the treatment is not an emergency, you should always check first to ensure that it will be covered. If you are in Europe, show your EHIC card whenever requested, and then you will not be charged the excess on your policy.
What is the maximum age limit on this policy?
Our policies will cover anyone up to the age of 74 at the time of purchase. We can cover people for this policy age 75 – 84 they just have to call and purchase over the phone having medicals agreed before the quote is sold. There is no cover for anyone 85 years of age and above.
Will my annual policy also cover trips in the UK?
Yes, so long as it is a “trip” which we would define as a minimum of two nights away in pre-booked accommodation.
Is my sports equipment covered?
Yes, we cover sports equipment under all our levels of cover: up to £600 on the Gold Sports Travel Insurance, £400 for Silver and £200 for Bronze. Cover under the Gold level of cover can be increased in £500 increments from the standard £600 cover, up to a maximum of £5,600.
Can individuals travel alone even if they are covered on a couple or family policy?
Yes. However, for children there are restrictions. Children under the age of 12 should always travel with an adult insured under the policy, or with a responsible adult. If travelling without an adult named on the policy, cover would need to be upgraded to the equivalent adult rate, and the appropriate additional premium would need to be paid. Children aged 12 and over can travel independently but would need to pay / upgrade to the equivalent adult rate. A child can be included under the policy at the appropriate child rate up to the age of 23 as long as they are in full time education at time of purchase. A child under the age of 23 who is not still in full time education can be covered under the policy but would need to pay the appropriate adult rate. Please call or email us to get a quote.
Are there any countries you can’t cover me for?
We are not able to provide cover under any section of the policy if you are travelling to a destination against the advice of the Foreign and Commonwealth Office (FCO). You can check this online at www.fco.gov.uk or by calling 0207 008 0232. We also cannot cover areas more than 150KM (93 Miles) from nearest habitation.
I’m pregnant, can I get cover?
We can cover you provided that you are not expecting to give birth within 2 months of return from the trip and you will not be travelling against medical advice.
Will I be covered to compete in a competition?
Most of our sports include cover for competitive sports unless they say otherwise. Often we then list the same sport including competition, so please check our full list of sports, or contact us to check.
What dates do I need to cover myself for?
With this policy you would need to cover yourself from the date that you leave home to the date that you return to your home – not just for the dates that you will be doing an activity. You don’t need to add on extra days in case your flight is delayed though – if that happens through no fault of yours, you would be covered under the policy.
Can I take out this policy after I have left the UK to travel?
You can’t do this online. It must be taken out with a Sales Agent over the phone 01494 484800.
It would need to be agreed by us that those who had already left their country of residence at time of purchase will be covered.
Cover is only agreed on the understanding that nothing has occurred at time of purchase which is likely to result in a claim. There is a 24 hour deferment period from the date and time of purchase before the insurance cover commences.
Will this policy cover me just like a standard travel insurance policy?
Yes, just like any other travel insurance, we’ll cover you should you become unwell or have an accident abroad, lose your luggage or experience delays even on trips not involving sports.
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This page content has been created for general information and should not be taken as advice.
*10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only. 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only.
** Based on Protectivity sales data from 2007 to Sep 2024
¹Based on live Feefo data