What is Sports Equipment Loss travel insurance?

Sports Equipment Loss can reimburse a traveler in the event their own sports equipment is lost or damaged during a covered trip.

The Sports Equipment Loss benefit can refund travelers up to the maximum coverage amount for their lost equipment. This coverage amount within this benefit can also reimburse travelers for the additional expenses they pay to rent new equipment.

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

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Sports Equipment Loss by Provider

Last Updated: 12/13/2022
Arch RoamRight Arch RoamRight
Policy Name and Summary of Coverage
1

Multi-Trip

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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2

Pro

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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3

Pro Plus

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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AXA Assistance USA AXA Assistance USA
Policy Name and Summary of Coverage
4

Silver

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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5

Gold

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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6

Platinum

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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battleface battleface
Policy Name and Summary of Coverage
7

Explorer

Optional coverage

Sportsman Equipment – $2,500 per covered trip. Deductible – $250

BAGGAGE AND PERSONAL EFFECTS

We will pay you the lesser of:

a. The actual cash value as determined by us; or

b The cost of replacement, up to the maximum limit shown in the schedule of benefits, and subject to the special limitations shown below, for loss, theft or damage to your baggage, personal effects and sportsman’s equipment during your covered trip.

We will also pay for fees incurred to ship your baggage, personal effects and sportsman’s equipment to your location if the lost items are recovered. Benefits are payable only after satisfaction of the deductible shown in the schedule of benefits.

Items over one hundred fifty dollars ($150) must be accompanied by original receipts. If receipts are not provided, the maximum amount payable will be one hundred fifty dollars ($150).

In the event of a loss to a pair or set of items, we will pay the lesser of:

a. The cost to repair or purchase the individual item(s) needed to complete the set or pair; or
b. The original purchase price of the set or pair.

In the event of a loss of your prescription medication, we will reimburse you only for the cost to replace the amount of prescriptions drugs that were lost, stolen, or damaged. The prescribing physician must authorize the replacement and it must be legally permissible to replace the prescription at your location.

Baggage and Personal Effects maximum limit shown in the schedule of benefits also includes:

a. Losses due to unauthorized use of your credit cards if they are lost or stolen during the covered trip. However, this benefit will not apply if you have failed to comply with all requirements imposed by the issuing credit card companies; and

b. The cost to replace your passport or visa if it is lost, stolen or damaged during the covered trip. The loss, theft or damage must be documented by a police report.

Baggage and Personal Effects Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Baggage and Personal Effects benefit. No benefits will be paid for:

a. Loss of, or damage to, motor vehicles;
b. Loss of, or damage to, artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
c. Loss of, or damage to, keys, notes, securities, accounts, deeds, food stamps, bills, or other evidences of debt, money, stamps, stocks and bonds, postal or money orders, and tickets;
d. Loss of, or damage to, property shipped as freight, or shipped prior to the departure date;
e. Loss of, or damage to, contraband;
f. Loss of, or damage to, items seized by any government official or customs official;
g. Damage caused by any process of repair;
h. Loss resulting from defective materials or craftsmanship;
i. Damage caused by radioactive contamination;
j. Loss resulting from mysterious disappearance;
k. Loss resulting from normal wear and tear or deterioration.

Baggage Proof of Loss

You must provide us or our designated representative with the following:

a. An accident, police, or incident report providing details of the incident;
b. Receipts for all items being claimed;
c. A copy of a repair invoice or estimate, if the claim is for damaged baggage;
d. Documentation showing any received or expected settlements, refunds or credits for this loss from any other party.

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8

Discovery Plan

Optional coverage

Included in Baggage & Personal Items Loss.

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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
9

ExactCare

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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10

ExactCare Value

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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11

LuxuryCare

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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Cat 70 Cat 70
Policy Name and Summary of Coverage
12

Travel Plan

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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Global Underwriters Global Underwriters
Policy Name and Summary of Coverage
13

Diplomat America

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

Please note the following sports related exclusions under the policy:

In addition to any of the exclusions listed above, for Eligible Expenses under Baggage Loss, this Insurance also does not cover the following:

4) Professional or occupational equipment or property, whether or not electronic business equipment

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14

Diplomat International

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

Please note the following sports related exclusions under the policy:

In addition to any of the exclusions listed above, for Eligible Expenses under Baggage Loss, this Insurance also does not cover the following:

4) Professional or occupational equipment or property, whether or not electronic business equipment

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15

Diplomat LT excl US

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

Please note the following sports related exclusions under the policy:

In addition to any of the exclusions listed above, for Eligible Expenses under Baggage Loss, this Insurance also does not cover the following:

4) Professional or occupational equipment or property, whether or not electronic business equipment

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16

Diplomat LT incl US

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

Please note the following sports related exclusions under the policy:

In addition to any of the exclusions listed above, for Eligible Expenses under Baggage Loss, this Insurance also does not cover the following:

4) Professional or occupational equipment or property, whether or not electronic business equipment

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GoReady Insurance GoReady Insurance
Policy Name and Summary of Coverage
17

Choice

Optional coverage

Sporting Equipment Rental Benefit * if Upgrade purchased – $1,000 per Insured

We will reimburse the Insured a Sporting Equipment Rental Benefit, for expenses to rent sporting equipment, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if the Insured’s sporting equipment is lost, stolen or damaged while on a Covered Trip. Receipts for the expenses incurred must be submitted for reimbursement, along with written proof that the Insured’s sporting equipment was lost, stolen or damaged.

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18

Pandemic Plus

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
19

TripProtector Preferred

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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20

TripProtector Economy

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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21

TripProtector Classic

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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IMG IMG
Policy Name and Summary of Coverage
22

iTravelInsured Travel Lite

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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23

iTravelInsured Travel SE

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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24

iTravelInsured Travel LX

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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25

iTravelInsured Travel LX Basic

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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26

iTravelInsured Travel Sport

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
27

Bronze

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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28

Silver

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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29

Gold

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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Seven Corners Seven Corners
Policy Name and Summary of Coverage
30

RoundTrip Choice

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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Tin Leg Tin Leg
Policy Name and Summary of Coverage
31

Economy

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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32

Standard

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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33

Luxury

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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34

Adventure

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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35

Gold

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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36

Platinum

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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37

USA Only

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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38

Silver

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
39

Worldwide Trip Protector Plus

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss. Please note the following sports related exclusions under the policy:

Baggage and Personal Effects does not include:

16) sporting equipment if the loss results from the use thereof;

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40

Worldwide Trip Protector

No coverage

There is no Sports Equipment Loss coverage with this plan.

Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
41

Travel Basic

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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42

Travel Select

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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43

Flight Insure Plus

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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Trawick International Trawick International
Policy Name and Summary of Coverage
44

Safe Travels Annual Executive

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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45

Safe Travels Annual Deluxe

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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46

Safe Travels Annual Basic

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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WorldTrips WorldTrips
Policy Name and Summary of Coverage
47

Atlas Journey Economy

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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48

Atlas Journey Preferred

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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49

Atlas Journey Premier

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss.

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