Sports Equipment Loss Insurance

What is Sports Equipment Loss Coverage?

Sports Equipment Loss is a travel insurance benefit that provides reimbursement if your personal sports equipment is lost, damaged, or stolen during a covered trip.

Many travel insurance providers include this benefit within their Baggage & Personal Item Loss coverage. In the event of a claim, you may be reimbursed the actual cash value of your sports equipment up to your policy’s coverage limit.

Common examples of sports equipment that can be covered by travel insurance include skis, snowboards, golf clubs, tennis rackets, surfboards, and fishing poles.

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

FAQs: Sports Equipment Loss Coverage

Does Travel Insurance Cover Lost Sports Equipment?

Yes, travel insurance policies with the Sports Equipment Loss benefit will cover the cost to replace personal sports equipment that was lost, damaged, or stolen during a trip. Most policies will provide reimbursement for the actual cash value of the items at the time of the incident.

Some travel insurance policies will also include additional coverage for sports equipment rentals or purchases during your trip if you own items are missing or defective.

Sports Equipment Loss coverage limits, meaning the maximum dollar amount an insurance company will reimburse you, typically range between $500-$3,000 per person. Some plans may also include per item limits, which can range between $50-$500.

If your sports equipment is not lost, and just momentarily delayed en route to your destination, you may be eligible for coverage through your policy’s Sports Equipment Delay benefit.

How Do I File a Sports Equipment Loss Claim?

In order to receive reimbursement for lost, damaged, or stolen sports equipment, you will need to file a claim directly with your travel insurance company.

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

• Verification of your loss, such as a certified note from your common carrier or report regarding your missing personal items
• Receipts for the sports equipment rentals or purchases you made as a result of your loss
• A detailed description, including the make, model, and condition, of the items you lost
• Any photos or documents that back up your claim
• A copy of your itinerary and travel plans

How Do I Find a Travel Insurance Policy With Sports Equipment Coverage?

Many adventure travelers buy travel insurance coverage with the Sports Equipment Loss benefit for peace of mind and to mitigate unforeseen expenses during a covered trip.

Reference the list below to view all travel insurance policies on Squaremouth that include coverage for lost, damaged, or stolen sports equipment. You may also reference a policy’s Certificate of Insurance at any time for more detailed coverage information.

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