Sports Weather Loss: Travel Insurance Coverage

What is Sports Weather Loss Coverage?

Sports Weather Loss is a travel insurance benefit that can cover your prepaid, non-refundable trip costs if you are unable to participate in a sport or activity due to inclement weather, a natural disaster, or an other documented severe weather event.

Only select adventure sports travel insurance policies include the Sports Weather Loss benefit, and coverage is typically limited to specific activities like golf and skiing.

A full list of policies that include this coverage can be found at the bottom of this page. Coverage limits, exclusions, and eligibility requirements differ by policy.

What Does Sports Weather Loss Insurance Cover?

If inclement weather or a natural disaster prevents you from participating in a preplanned adventure sport or activity during your trip, the Sports Weather Loss benefit can reimburse relevant prepaid, non-refundable travel expenses.

Examples of expenses that may be covered by Sports Weather Loss insurance include green fees and lift tickets. Some plans that offer this protection may also provide reimbursement for any sports equipment you rented for the planned activity.

Coverage limits for this benefit can range from $500-$1,000 depending on the travel insurance plan. In order to receive reimbursement through your travel insurance policy, you may be required to provide receipts, booking confirmations, and other documents that may support your claim.

Sports Weather Loss Exclusions

Not all sports-related expenses are covered by adventure travel insurance. Most travel insurance providers include exclusions within their Certificate of Insurance that outline what scenarios and expenses will not be eligible for reimbursement in the event of a claim.

While exclusions will vary from one plan to the next, most Sports Weather Loss plans won’t cover the following:

Fees relating to extreme sports, such as heli-skiing or backcountry skiing
Season ski passes
Expenses that have already been refunded by another party
Golf reservations made less than 48 hours in advance

Other Sports Travel Insurance Benefits

In addition to Sports Weather Loss, many travel insurance companies offer policies that offer a wide-range of other benefits geared towards adventure travelers.

Other popular sports-related travel insurance benefits include:

Sports & Activities: Extends medical coverage and medical evacuation protection to travelers participating in adventure activities.
Sports Equipment Loss: Provides reimbursement for the actual cash value of sports equipment that’s lost, damaged, or stolen during a covered trip
Sports Equipment Delay: Covers the cost of equipment rentals if your sports equipment is delayed on route to your destination
Sports Fees: Covers the cost of prepaid, non-refundable sports fees if you’re forced to cancel or interrupt your trip for a covered reason
Search and Rescue: Covers the cost of a rescue mission if you go missing during a covered trip

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Sports Weather Loss coverage.

Sports Weather Loss by Provider

Last Updated: 09/06/2024

AXA Assistance USA
Policy Name and Summary of Coverage	Full Policy Wording
1	Platinum Lost Skier Days and Lost Golf Rounds coverage	LOST GOLF ROUNDS – Maximum Benefit Amount $500 The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits for the value of Your pre-paid Golf tickets or greens fees for each day You are unable to complete at least nine holes of an eighteen hole round due to Golf Course closure, subject to the following: a) You must have made a confirmed reservation and pre-paid deposit at least forty-eight (48) hours in advance of Your tee time; b) The course management must have temporarily closed the course due to inclement weather, resulting in Your delay or suspension of play of at least three (3) hours; c) The course management must not reimburse You the value of the Golf tickets or greens fees, or issue You a credit; d) You or Your playing group must not have caused any delay by missing or starting Your round past Your reserved start time; and e) Your reservation is during Your Trip and on a date when the average temperature within twenty (20) miles of the course is historically above sixty (60) degrees Fahrenheit at noon local time. If Your lost Golf round is part of a purchased package of multiple Golf rounds, Your benefit will be the pro-rata value of the round. To qualify for benefits, You must provide a copy of the pre-paid Golf reservation and receipt, and a report from the resort or Golf Course management stating the date, time and duration, and reason for the closure. LOST SKIER DAYS – $25/Day Up to 5 Days The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits for the value of Your or Your Traveling Companion’s pre-paid Ski tickets for each day You or Your Traveling Companion are unable to Ski during the Trip, subject to the following: 1. The Skiing must be scheduled to occur between December 1 and March 31; 2. Coverage begins on the later of the date and time You or Your Traveling Companion: a) arrive at the resort or b) acquire a valid Ski lift ticket; 3. A minimum of ten (10) Trails must be open on the date and time You or Your Traveling Companion arrive at the resort; 4. You or Your Traveling Companion are unable to Ski on a given day due to fifty percent (50%) or more of the Trails at the resort closing for at least eight (8) consecutive hours from lack of snow cover or stormy weather; 5. If Your or Your Traveling Companion’s Ski ticket applies to multiple Ski resorts within a fifty (50) mile radius and one of the other resorts is not experiencing fifty percent (50%) or more of the Trails closing for at least eight (8) consecutive hours from lack of snow cover or stormy weather on a given day, then no benefits are payable that day for inability to Ski. If Your or Your Traveling Companion’s lost skier day is part of a lift ticket good for between two (2) and five (5) consecutive days, Your benefit will be the pro-rata value of the Ski day. Benefits are not payable hereunder for season passes, lift ticket purchases of six (6) or more days or night Skiing. To qualify for benefits, You must provide a copy of the pre-paid Ski lift ticket receipts, and a report from the resort stating the date, time and duration, percentage of Trails closed, and reason for Trail closures. Read Hide Full Policy Wording
	LOST GOLF ROUNDS – Maximum Benefit Amount $500 The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits for the value of Your pre-paid Golf tickets or greens fees for each day You are unable to complete at least nine holes of an eighteen hole round due to Golf Course closure, subject to the following: a) You must have made a confirmed reservation and pre-paid deposit at least forty-eight (48) hours in advance of Your tee time; b) The course management must have temporarily closed the course due to inclement weather, resulting in Your delay or suspension of play of at least three (3) hours; c) The course management must not reimburse You the value of the Golf tickets or greens fees, or issue You a credit; d) You or Your playing group must not have caused any delay by missing or starting Your round past Your reserved start time; and e) Your reservation is during Your Trip and on a date when the average temperature within twenty (20) miles of the course is historically above sixty (60) degrees Fahrenheit at noon local time. If Your lost Golf round is part of a purchased package of multiple Golf rounds, Your benefit will be the pro-rata value of the round. To qualify for benefits, You must provide a copy of the pre-paid Golf reservation and receipt, and a report from the resort or Golf Course management stating the date, time and duration, and reason for the closure. LOST SKIER DAYS – $25/Day Up to 5 Days The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits for the value of Your or Your Traveling Companion’s pre-paid Ski tickets for each day You or Your Traveling Companion are unable to Ski during the Trip, subject to the following: 1. The Skiing must be scheduled to occur between December 1 and March 31; 2. Coverage begins on the later of the date and time You or Your Traveling Companion: a) arrive at the resort or b) acquire a valid Ski lift ticket; 3. A minimum of ten (10) Trails must be open on the date and time You or Your Traveling Companion arrive at the resort; 4. You or Your Traveling Companion are unable to Ski on a given day due to fifty percent (50%) or more of the Trails at the resort closing for at least eight (8) consecutive hours from lack of snow cover or stormy weather; 5. If Your or Your Traveling Companion’s Ski ticket applies to multiple Ski resorts within a fifty (50) mile radius and one of the other resorts is not experiencing fifty percent (50%) or more of the Trails closing for at least eight (8) consecutive hours from lack of snow cover or stormy weather on a given day, then no benefits are payable that day for inability to Ski. If Your or Your Traveling Companion’s lost skier day is part of a lift ticket good for between two (2) and five (5) consecutive days, Your benefit will be the pro-rata value of the Ski day. Benefits are not payable hereunder for season passes, lift ticket purchases of six (6) or more days or night Skiing. To qualify for benefits, You must provide a copy of the pre-paid Ski lift ticket receipts, and a report from the resort stating the date, time and duration, percentage of Trails closed, and reason for Trail closures. Read Hide Full Policy Wording

AXA Assistance USA

Policy Name and Summary of Coverage

Full Policy Wording

Platinum

Lost Skier Days and Lost Golf Rounds coverage

LOST GOLF ROUNDS – Maximum Benefit Amount $500

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits for the value of Your pre-paid Golf tickets or greens fees for each day You are unable to complete at least nine holes of an eighteen hole round due to Golf Course closure, subject to the following:

a) You must have made a confirmed reservation and pre-paid deposit at least forty-eight (48) hours in advance of Your tee time;

b) The course management must have temporarily closed the course due to inclement weather, resulting in Your delay or suspension of play of at least three (3) hours;

c) The course management must not reimburse You the value of the Golf tickets or greens fees, or issue You a credit;

d) You or Your playing group must not have caused any delay by missing or starting Your round past Your reserved start time; and

e) Your reservation is during Your Trip and on a date when the average temperature within twenty (20) miles of the course is historically above sixty (60) degrees Fahrenheit at noon local time.

If Your lost Golf round is part of a purchased package of multiple Golf rounds, Your benefit will be the pro-rata value of the round.

To qualify for benefits, You must provide a copy of the pre-paid Golf reservation and receipt, and a report from the resort or Golf Course management stating the date, time and duration, and reason for the closure.

LOST SKIER DAYS – $25/Day Up to 5 Days

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits for the value of Your or Your Traveling Companion’s pre-paid Ski tickets for each day You or Your Traveling Companion are unable to Ski during the Trip, subject to the following:

1. The Skiing must be scheduled to occur between December 1 and March 31;

2. Coverage begins on the later of the date and time You or Your Traveling Companion: a) arrive at the resort or b) acquire a valid Ski lift ticket;

3. A minimum of ten (10) Trails must be open on the date and time You or Your Traveling Companion arrive at the resort;

4. You or Your Traveling Companion are unable to Ski on a given day due to fifty percent (50%) or more of the Trails at the resort closing for at least eight (8) consecutive hours from lack of snow cover or stormy weather;

5. If Your or Your Traveling Companion’s Ski ticket applies to multiple Ski resorts within a fifty (50) mile radius and one of the other resorts is not experiencing fifty percent (50%) or more of the Trails closing for at least eight (8) consecutive hours from lack of snow cover or stormy weather on a given day, then no benefits are payable that day for inability to Ski.

If Your or Your Traveling Companion’s lost skier day is part of a lift ticket good for between two (2) and five (5) consecutive days, Your benefit will be the pro-rata value of the Ski day.

Benefits are not payable hereunder for season passes, lift ticket purchases of six (6) or more days or night Skiing.

To qualify for benefits, You must provide a copy of the pre-paid Ski lift ticket receipts, and a report from the resort stating the date, time and duration, percentage of Trails closed, and reason for Trail closures.

Read Hide Full Policy Wording