Our Sports Injury Insurance Plans

Whether you’re an amateur athlete, a student, or a professional, the chance of injury in sport remains significant— and the consequences can seriously impact your daily habits. That’s why we’ve created a personal accident insurance policy developed to insure you in the event of bodily harm, sustained during competition and training.
Subscribe online

“Subscribing to our plan means gaining access to tailored protection, enhanced security, and fair compensation in the event of a sports-related accident. Injured while exercising at home or outdoors? Most standard GAV (life accident guarantees) won’t insure those cases. Our job is to fill that gap, offering specific insurance that’s designed to address the genuine challenges of physical activity. We are your peace of mind in an insurance package.”

If you have specific questions about what is included in your plan, eligibility for compensation, or what to do in the event of an accident, we recommend reviewing our full Terms and Conditions (available at the bottom of the website or emailed upon request when you apply for a quote or subscribe to a policy). You may also wish to consult a professional if you require advice on your fitness to train or any physical activity-related contraindications.

THE GUARANTEESFormula 1Formula 2Formula 3
REPATRIATION ASSISTANCE
Transport / RepatriationReal costs (if the Competition option is selected, capped at €100,000)Real costs (if the Competition option is selected, capped at €100,000)Real costs (if the Competition option is selected, capped at €100,000)
Health care expenses10 000 € / person150 000 € / person10 000 € / person
Presence of a relative if hospitalization more than 7 daysRound trip ticketRound trip ticketRound trip ticket
Presence with the Hospitalized InsuredTransport ticket * + hotel expenses €150 per night – maximum €1,500Transport ticket * + hotel expenses €150 per night – maximum €1,500Transport ticket * + hotel expenses €150 per night – maximum €1,500
Return of the accompanying personsReturn ticketReturn ticketReturn ticket
Glasses and dental prosthesis100 € / person100 € / person100 € / person
Rehabilitation and physiotherapy expenses350 €350 €350 €
Franchise when the insurer takes part in first place in the absence of medical insurance or Social Security coverage250 € / person250 € / person250 € / person
Rescue and research costs50 000 €/ event (1200€ max for rescue and research costs and towing surfboard sailing, jet skiing and kite surfing)50 000 €/ event (1200€ max for rescue and research costs and towing surfboard sailing, jet skiing and kite surfing)50 000 €/ event (1200€ max for rescue and research costs and towing surfboard sailing, jet skiing and kite surfing)
Body’s repatriation3 000 € / person5 000 € / person3 000 € / person
Funeral expenses1 000 € / person3 000 € / person1 000 € / person
Advance of the penal guarantee7 500 €/event7 500 €/event7 500 €/event
Legal assistance (attorney fees)5 000 € / person7 000 € / person5 000 € / person
INDIVIDUAL ACCIDENT
Total or partial permanent disability greater than 30%10 000 € max/person50 000 € max/person200 000 € max/person (according to progressive scale – see general conditions)
Accidental death10 000 € /person50 000 € /person40 000 € /person
STAY INTERRUPTION
Refund lifts fee, courses and rental of sports equipmentOn a prorata temporis with a maximum of 400 € / claimOn a prorata temporis with a maximum of 400 € / claimOn a prorata temporis with a maximum of 400 € / claim
CANCELLATION OPTION
OPTION 1 (included)
Serious accident related to sports practice requiring hospitalizationa maximum of 400 € / persona maximum of 800 € / persona maximum of 400 € / person
Death following an accident during the sports practice50 € / person100 € / person50 € / person
OPTION 2
All accidents requiring hospitalization or subsequent deatha maximum of 400 € / persona maximum of 800 € / persona maximum of 400 € / person
Franchise50 € / person50 € / person50 € / person
PRIVATE LIFE OPTION
Extended coverage outside of your sports activities, including your trips and stays abroad.Available only with the daily plan.Available only with the daily plan.Available only with the daily plan
COMPETITION OPTION
If the option is subscribedIf the option is subscribedIf the option is subscribed
PROFESSIONAL SPORT OPTION
For professional athletes: designed for those who practice sports at a high level, in competitions, championships, training, or other sporting activities.If the option is subscribedIf the option is subscribedIf the option is subscribed
HOSPITAL DAILY ALLOWANCES OPTION
Hospital daily allowancesAccording to the amount indicated on the membership certificateAccording to the amount indicated on the membership certificateAccording to the amount indicated on the membership certificate
BAGAGE OPTION (IF MENTIONNED IN THE CERTIFICATE OF MEMBERSHIP)
Lugages guaranteesa maximum of 800 € / claima maximum of 2 000 € / claima maximum of 800 € / claim
FAQ

This personal accident insurance is designed for anyone who wants daily protection against the consequences of a private-life accident, whether it occurs:
  • during a sports activity,
  • in everyday private life,
  • at school,
  • at home,
  • or while traveling in France or abroad.
It is suitable for:
  • adults,
  • children and students,
  • occasional or regular athletes,
  • families wishing to strengthen their individual protection,
  • people practicing sports in a club, in competition, or in higher-risk activities.
Thanks to several available plans, the policy can be tailored to your situation, age, level of practice, and desired insured capital. Each offer includes essential guarantees such as compensation in the event of disability or death, coverage of medical expenses and care, and access to assistance services.

Unlike traditional health insurance, this coverage focuses on bodily injury and damages resulting from a private-life accident. It effectively complements home, school, or existing health insurance. Depending on the chosen plan, it can also protect your spouse, children, or your entire family.

The cost of personal accident insurance varies depending on:
  • the selected guarantees,
  • the level of compensation,
  • prevention and support options,
  • the risks covered (sports, domestic accidents, daily life).
A quote allows you to compare plans, assess pricing, and find a solution suited to protecting your personal life and your loved ones against accidents and their physical or psychological consequences.

When a sports accident occurs, personal accident insurance steps in to protect the insured against bodily injury related to their sporting activity, whether it involves a leisure sport, a school activity, club training, or a sports trip at any stage of life.
Depending on the plan chosen and the guarantees included in the contract, the insurance may cover:
  • medical expenses and healthcare costs not reimbursed by the health insurance top-up,
  • assistance and repatriation in the event of a serious injury,
  • financial compensation in the event of permanent disability (PPI),
  • payment of a guaranteed lump sum in the event of accidental death,
  • certain expenses related to the early interruption of a sports trip or the inability to resume normal activity.
This sports personal accident insurance helps deal with the physical, financial, and psychological consequences of an accident, even when no third party is responsible. It applies to everyday life, supervised or unsupervised sports practice, in France as well as abroad.

It is an essential form of protection for athletes, children, students, and families, as a complement to existing health or home insurance.

The cost of personal accident insurance depends on the level of cover, the compensation amounts, the assistance services included, and the types of activities practiced. A personalized quote makes it possible to adjust the offer to your lifestyle and find a solution that suits your needs.

Yes. Personal accident insurance applies to a very wide range of sports practiced throughout life, whether for leisure, school activities, club sports, or everyday physical activities. It covers both individual and team sports, indoors and outdoors.

Certain specific practices, such as competitions, tournaments, official events, or sports involving a higher level of commitment, simply require activating a dedicated option when taking out the policy. This makes it possible to adapt the guarantees, compensation levels, and guaranteed capital to the actual intensity of the activity.

The insurance contract specifies the list of covered sports, the applicable conditions, and any restrictions related to age, level, or frequency of practice. These elements are detailed in the General Terms and Conditions to ensure full transparency before requesting a quote.

This flexibility allows each insured person, adult or child, occasional or regular athlete, to benefit from protection tailored to sports accidents and their consequences, in line with their personal situation and family needs.

Yes. During training sessions, regular practice, or supervised sports activities, protection is included in the base personal accident insurance contract. This applies to leisure sports as well as training in clubs, schools, or associations.

For competitions, official matches, races, tournaments, or recognized sporting events, it is necessary to take out the competition option. This option adjusts the guarantees, compensation levels, and guaranteed capital to the specific risks associated with more intensive practice.

This distinction makes it possible to offer appropriate protection for each sporting situation while keeping insurance costs aligned with your level of commitment. Details of the activities covered and applicable conditions are set out in the General Terms and Conditions, helping you choose the plan best suited to your activity.

Plans 1, 2, and 3 mainly differ in the level of guarantees and compensation limits included in the contract. The higher the plan, the stronger the financial protection in the event of an accident.

A higher plan provides:
  • a higher guaranteed capital in the event of permanent disability (PPI),
  • a higher amount paid in the event of accidental death,
  • better coverage of medical expenses and healthcare costs,
  • enhanced support after an accident, particularly to deal with physical or psychological consequences.
This tiered structure allows everyone, adults, children, occasional or regular athletes, to choose personal accident insurance that matches their situation, level of sports practice, and budget.
The cost of personal accident insurance varies according to the selected plan. Higher guarantees mean a higher potential level of compensation. A personalized quote makes it easy to compare offers and choose the solution best suited to your needs and those of your family.

If a sports accident forces you to interrupt a trip, the guarantee allows for pro-rata reimbursement of certain expenses already incurred, such as lift passes, lessons, or sports equipment rental, within the limits set out in the contract.

No. The cancellation option is optional. However, it allows compensation in the event of a serious sports-related accident resulting in hospitalization or death, depending on the selected option and the limits defined in the contract.

Yes. With the private life option, coverage can be extended beyond sports activities, including during travel, stays abroad, or at home, and may also apply to family members. This option is available only with certain daily plans.

Yes. A specific option is available for professional athletes. It is designed for high-level athletes involved in competitions, championships, or intensive training, and adapts coverage to this type of demanding practice.

The choice depends on how often you practice, the type of sport, your level of involvement, leisure, competition, or professional, and the level of protection you want. If unsure, it is recommended to compare compensation limits and review the General Terms and Conditions to make an informed decision.

Full details of guarantees, limits, exclusions, and compensation conditions are available in the General Terms and Conditions. They can be accessed at the bottom of the page and are also sent by email with any quote request or subscription.

Yes. After a sports accident, accident insurance may cover hospital-related expenses, within the compensation limits defined by the selected plan.

Depending on the contract, this may include:
  • healthcare expenses not reimbursed by the health insurance top-up,
  • hospitalization costs,
  • functional rehabilitation,
  • physiotherapy sessions required for recovery,
  • certain additional hospital treatments prescribed after the accident.
The reimbursement level depends on the guaranteed capital, selected guarantees, and insurance plan. Higher plans allow broader coverage, helping to reduce the financial impact of the physical consequences of an accident on daily family life.

A personalized quote helps identify the plan best suited to your situation, sports practice, and healthcare needs.

When an accident occurs abroad and requires hospitalization, the assistance service steps in to support the insured throughout the situation. Depending on the guarantees included in the contract, medical repatriation may be organized and covered if the health condition requires it.

If hospitalization lasts several days, the travel of a close relative may also be arranged to provide moral and practical support to the insured and their family. This human support is particularly important during stays outside France, where isolation can complicate accident management.

Intervention conditions, duration, and services provided depend on the selected plan and assistance level. The cost of accident insurance reflects these services, which help manage the consequences of an accident abroad more calmly, both medically and personally.

A personalized quote makes it possible to choose a plan suited to your travels, sports practice, and protection needs outside France.

Yes. When a sports-related event leads to a permanent limitation, whether partial or total, a financial payment may be provided to support the affected person over the long term.

The amount depends on several factors: the initially selected level, the limit set for each beneficiary, and the degree of impairment assessed. This evaluation is based on a precise scale detailed in the applicable conditions, which measures the real impact on independence, daily life, and the ability to continue personal or professional activities.

Higher-level plans provide access to higher compensation amounts. They are designed to address long-term consequences, whether physical, functional, or linked to a significant decline in quality of life.

Costs therefore vary depending on the desired level of support. A personalized estimate helps identify the solution best aligned with your situation, sports practice, and long-term needs.
More questions Get quotation online

Your Sports Insurance, Always With You Wherever You Go

Choose excellence and exclusivity with Assure Ton Sport, where your passion is our priority. We’re dedicated to finding the best insurance coverage for your sports activities, no matter where they take you. Get a quote in just a few clicks and experience protection you can trust.
Contact Us Get a Quote Online