Sports Equipment Delay Insurance

What is Sports Equipment Delay Coverage?

Sports Equipment Delay is a travel insurance benefit that covers the cost of equipment rentals if your own equipment is delayed en route to your destination. Common examples of sports gear rentals that can be covered by travel insurance include skis, snowboards, golf clubs, tennis rackets, surfboards, and fishing poles.

To be eligible for coverage, you must meet your travel insurance policy’s minimum delay period, which can range between 12 and 24 hours depending on the policy.

Not all travel insurance plans include coverage for sporting goods. Coverage limits, exclusions, and eligibility requirements differ by policy.

FAQs: Sports Equipment Delay Coverage

What Does Sports Equipment Delay Cover?

If a common carrier, such as an airline, mishandles your sports equipment and delays its arrival to your destination, the Sports Equipment Delay benefit can provide reimbursement up to your policy’s coverage limit to rent or purchase new equipment.

Coverage limits typically range between $200 and $5,000 per person, depending on the policy. Some plans may also include per day and per item limits. Sports equipment insurance policies that include higher coverage amounts offer more protection and peace of mind, but typically come at higher premiums.

What Are the Eligibility Requirements for Sports Equipment Delay Coverage?

In order to be eligible for Sports Equipment Delay insurance coverage, your sports equipment must be checked into a common carrier. Carry-on items are not covered by this benefit.

In addition, your items must be delayed for a minimum amount of time, typically 12-24 hours, before coverage kicks in. Any sports equipment rentals or purchases made prior to meeting your policy’s minimum delay period won’t be covered by your travel insurance provider.

The Sports Equipment Delay benefit is usually limited to sports gear that is momentarily delayed in transit to your destination. Items that are lost, damaged or stolen may be covered by your policy’s Sports Equipment Loss benefit.

How Do I File a Sports Equipment Delay Claim?

In order to receive reimbursement through your policy’s sports equipment coverage for delayed sports equipment, you will need to file a claim directly with your travel insurance company.

While each travel insurance provider has their own claims process, most will require the following documents in order to provide coverage:

• Verification from your common carrier that certifies the delay or misdirection of your personal items
• Receipts for the sports equipment rentals or purchases you made while waiting for your own equipment to arrive
• Credit card or bank statements that include your rental or purchase
• A copy of your itinerary and travel plans

Please be aware that coverage and eligibility requirements for this benefit differ by policy.