Adventure Sports Insurance: Answers to All Your Questions

No. Insure your sport provides an individual accident contract which does not apply to material goods and sports facilities.

Go to the “List of sports” section at the bottom of our website.

Mutuaide Assistance

We cover the skier or snowboarder off-piste, take over heliskiing and freeriding. Off-piste skiing is covered without the need of a qualified guide (ski instructor).

All quotations and subscriptions shall be completed online via the “get quotation online” section.

We need to know this information in case of repatriation.

Have you checked your spam folder? Sometimes, our emails, including documents, can end up there. If you still can’t find your contract, you can download it directly from your personal area. Simply log in with your email address and password.

Once the subscription is completed, it is not possible to change the plan. However, if you are still within the 14-day withdrawal period, you can cancel your subscription and subscribe again.

No. Only a federation has the right to issue a sports license. In terms of civil liability, our insurance only covers bodily injuries of the insured person who is a victim of an accident during their sport. Whether you are a player, athlete, or motorcyclist affiliated with a club, our contract supplements your license to increase your coverage amounts according to the level of risk involved.

Whether it’s for you, your children, or your entire family, a sports-related accident can have serious consequences. Permanent injury, psychological trauma, time away from work or school, and in the most serious cases, even death — all of these can significantly impact your personal and family routines. Unlike standard policies such as health, school or home insurance, our personal accident insurance is designed to ensure you're covered while engaging in sports. It offers worldwide coverage across more than 400 disciplines, with 24/7 assistance available no matter where you are or what activity you practise.

Our accident insurance policy includes not only repatriation and transport cover at actual cost, but also a wide range of valuable guarantees. These include coverage for legal matters, monetary compensation in the event of disability, reimbursement for treatment and rehabilitation, as well as full coverage for search and rescue operations. In case of hospitalisation, the policy may also offer a daily benefit to help offset the monetary consequences of your recovery period. Whether the accident happens at home, outdoors, at school, or during travel, our plan offers unparalleled peace of mind for both you and your family.

Whatever your sporting environment — whether you train at home, take part in school programs or simply practise for leisure — our policy has been designed to take into account all situations and help protect you in the event of serious injury. With guarantees that include disability and death compensation, costs, repatriation and round-the-clock assistance, our plans are created to help you face the unexpected with confidence and security.

Unlike general accident policies such as GAV, our individual sports accident insurance is built to offer truly tailored assistance, robust monetary coverage, and comprehensive coverage. It includes substantial capital in the event of disability or accidental death, and provides full support in cases of physical injury. Most importantly, this coverage allows you to continue enjoying your sporting routines — or that of your child — with peace of mind. It acts as a safety net that excludes liability coverage, focusing instead on protecting the person affected by the accident.

The compensation included in our policy ensures that the victim is not left alone to insure the costs resulting from an accident. This makes the path to recovery less stressful, and helps maintain both healthy personal and social habits, especially after serious injuries. Our plans are designed to support your physical wellbeing and preserve your quality of living, whether you’re at home, abroad, or on the pitch.

Yes, in the case of a trip being cut short due to injury during winter sports, our accident insurance includes a trip interruption feature. Each of our plans covers reimbursement for unused services such as ski lift passes, lessons, and rented sports equipment. The reimbursement is calculated on a pro-rata basis, with a maximum of €400 per claim. This is particularly useful for families or school ski trips where an unexpected injury could otherwise lead to additional costs. We make it easier to manage the cost of unexpected breaks in your sports getaway. Our ability to cover high-risk and travel-related engagements is one of the key elements that sets us apart from traditional insurance companies and GAV-style contracts. We believe every athlete — adult or child — should be able to practise their activity with full peace of mind, wherever they are.

Our insurance policies guarantee fair compensation for the consequences of serious injury, such as permanent disability or accidental death. If the injury results in a disability rated above 30%, Plan 1 offers coverage up to €10,000 per person. Plan 2 increases this coverage to €50,000, while Plan 3 — our most complete option — provides up to €200,000 per person for permanent disability based on a progressive scale, and €40,000 in the event of death. In case of a severe accident, this level of compensation can be vital for protecting the victim’s physical and monetary wellbeing, and helps secure the family’s quality of life after the event.

These amounts are assessed according to a progressive scale, ensuring that the compensation reflects the extent of the injuries sustained. Choosing one of our personal accident insurance policies means securing reliable monetary support in moments that matter, whether you’re an adult athlete, a parent, or a child participating in sports.

Beyond personal coverage, the safety of your child and your family is a top priority. That’s why each of our insurance plans includes full assistance for transport and repatriation in the event of an accident during sporting hobbies. Regardless of the context — whether the injury occurs at home, at school, during a sporting holiday abroad, or during a training session outside your usual place of residence — our insurance ensures that transport and repatriation costs are fully fully taken care of.

This comprehensive service gives you and your loved ones the peace of mind of knowing that, if necessary, you can return home under proper care without incurring any additional costs. This benefit is especially valuable when accidents occur during a sporting holiday, a school trip, a competition, or an overseas training camp. Wherever you are and whatever the scale of the injury, our assistance team takes responsibility for organising and financing the repatriation, so that you can focus on recovery, not logistics.

What sets us apart is that these services are provided at actual cost, providing full support for all related costs. Whether the accident occurs in your home country or on the other side of the world, our commitment is to bring you back safely, without delay, and with peace of mind about the costs. This is a key feature of our approach to sports accident insurance — helping you stay safe, supported, and insured against all eligible events, wherever your sporting journey takes you.

Our insurance plans include a guarantee for the reimbursement of care expenses following an accident. This is one of the most important features of our offer, designed to have your back when surprise costs arise, for individuals and families dealing with injury. Plan 1 and Plan 3 each include medical cost coverage up to €10,000 per person, while Plan 2 offers exceptional coverage with up to €150,000 in medical reimbursement.

This wide range allows each policyholder to choose the right level of cover based on their sporting activity, level of risk, and personal or family needs. Whether the accident occurs during a training session, a sporting trip, or even during physical activity at home or school, you’ll be covered for the costs associated with treatment.

In addition to medical costs, our personal accident insurance can also include daily compensation for hospitalisation. This means that if your injury requires you to stay in hospital, your insurance can provide a fixed daily payment to contribute toward the cost of your absence from work or support your household income. With our policies, you have access to the financial resources needed to manage your recovery with confidence, while protecting your family from further hardship.

Our aim is to give you the highest possible level of support, whether you’re facing unexpected hospital bills, a loss of income, or a long recovery process. Thanks to this support, you can focus on healing — while we take care of the rest.

All of our accident insurance plans include comprehensive cover for rescue and emergency search operations. These guarantees apply whether the incident takes place during an organised trip abroad, a school camp, or a personal sporting challenge in remote terrain. In the event of an accident occurring at sea, in the mountains, or in any difficult-to-access area, our team takes full responsibility for organising and covering the cost of the rescue.

This applies to sports carried out in high-risk environments, such as skiing, hiking, kitesurfing, windsurfing, or jet skiing. For each incident, we offer up to €50,000 in overall coverage, including up to €1,200 specifically for emergency response, search and recovery, or towing operations. These guarantees are essential for any athlete engaging in outdoor or adventure sports, as the cost of emergency intervention can be extremely high — and is often excluded from standard health or travel insurance policies.

Thanks to this plan, you and your family can enjoy peace of mind knowing that no matter where you are or what sport you’re doing, assistance will reach you in the event of an emergency — and the costs will be fully covered by us.

Choosing one of our accident insurance plans means protecting not only your physical safety but also your monetary wellbeing, especially during unpredictable situations that arise in high-risk environments. Whether you're a casual participant or an experienced athlete, our rescue cover is designed to support you when it matters most.

From everyday sports practice to school outings, weekend matches or international competitions, legal coverage is an essential part of our personal accident insurance. In the event of a dispute, claim, or legal issue following an accident, our contracts provide financial support for fees, with coverage reaching up to €7,000 depending on the plan selected.

This assistance can prove vital in defending your rights or resolving conflicts that may arise after an incident. Whether it's a question of claiming compensation, navigating insurance formalities, or protecting yourself against unfair liability, our service ensures that you're not left to manage complex legal situations on your own. We offer legal expertise and full support so you can focus on your recovery and your family, without worrying about costs.

By subscribing to our insurance, you gain access to complete, reliable coverage adapted to the needs of everyday situations as well as more serious incidents. This benefit is particularly valuable for families with children who take part in school sports or extracurricular physical activities, where legal complications can often arise following an accident.

Our team takes responsibility for supporting your rights — providing guidance, funding, and peace of mind during any legal challenges.

With this support, you can confidently continue your daily and sporting hobbies, knowing you're protected both physically and legally.

Our personal accident insurance policies can be customised with a range of additional options to suit your way of living and sporting needs. These options allow you to strengthen your cover depending on your level of practice, your professional activity, or the type of trips and competitions you or your child may be involved in. Whether you're a casual athlete or a high-level competitor, these enhancements ensure that your insurance is as complete and relevant as possible.

For competitive athletes, the “Competition” option provides dedicated cover for events such as tournaments, matches, rallies, challenges, races, exhibitions, or any form of official contest. It’s designed for athletes who take part in structured sports events and need a policy that aligns with their active calendar.

The “Professional Athlete” option is intended for those who practise a sport at a high level — including championships, intensive training sessions, or other professional sports. This coverage ensures that athletes working in a sporting capacity are protected beyond the limits of general recreational cover.

To support inclusive sport, we also offer an adapted policy for athletes with disabilities. The “Handisport” coverage is specifically developed for people with reduced mobility, so they can train, compete, and travel with the same level of security and support as any other athlete.

Additional options like “Private Life”, “Cancellation”, “Baggage” coverage, and daily hospital allowances can also be added to your policy. These provide valuable coverage for your day-to-day habits that are not necessarily linked to the direct practice of sport but still pose a danger during travel or physical activity. For example, the cancellation option can support payment if an injury prevents participation in a scheduled event or trip, while the baggage option protects against damage or loss of essential sports equipment.

Every individual and every family has different needs, which is why our team is committed to offering a flexible and personalised service. By choosing the right options, you ensure that your policy offers maximum coverage, tailored to your own sporting habits or that of your children.

While our standard accident insurance covers you during the active practice of sport, this option extends your protection to situations outside of those specific activities. This is especially valuable during sports travel, where the possibility of injury or health concerns doesn't stop when you step off the field or leave the ski slope. With this option, you benefit from full cover throughout your trip, whether you’re actively engaged in sport or simply going about your daily routine abroad.

This extended cover includes worldwide emergency aid, repatriation, and healthcare reimbursement in countries where treatment can be extremely expensive. Whether you’re injured in an accident during your downtime, fall ill outside of sporting practice, or require emergency care abroad, the “Private Life” option ensures you receive the same level of protection throughout your entire stay.

This option is only available with our day-rate insurance formula. It allows you to select the period during which you wish to be insured — from a single day to several weeks — depending on the duration of your trip. This flexibility is particularly useful for holidays, training camps, or school sports trips, where each day abroad carries different types of injury hazards.

By adding this option, you guarantee full peace of mind from start to finish, knowing that every aspect of your trip — both sport-related and not — is protected. Whether you're travelling for competition, leisure, or an active holiday with the family, the “Private Life” option ensures that unexpected injuries or health emergencies are handled quickly, efficiently, and without extra cost.

Our commitment is to offer you a comprehensive and adaptable insurance service, designed to protect you in every context. With the right options in place, you can focus on enjoying your trip, knowing that you’re fully protected for both the expected and the unforeseen.

While our policy is designed to be as inclusive as possible, it’s important to know what is not covered. Assure Ton Sport does not cover civil liability insurance, which means it does not cover injuries or damage caused to other people. Similarly, we do not insure your belongings, sports equipment or valuables, even if they are lost or damaged during your trip or activity. Injuries sustained outside of the insured dates or not part of your training or workouts are also excluded. If you're unsure whether your activity is covered, we recommend checking the List of Covered Sports. If you don’t see your activity, our support team will be happy to advise you directly and offer a tailored solution.

If you suffer an accident or injury during your activity, you must report it to us within seven days. The process begins by calling the emergency number printed on your assistance card. This is your direct line to our support team and medical experts, who will open a case in your name and help assess the level of injury, risk, and treatment required. Once this has been established, we will manage the claim on your behalf, ensuring you receive the right medical care, reimbursement, and — if necessary — emergency repatriation. Our claims process has been designed to be fast, straightforward, and athlete-focused. We understand that when you’re injured, you need action — not paperwork. That’s why we combine real-time help with a clear, human approach to injury support and insurance processing.

No, once your subscription has been finalised, it is not possible to modify your plan. This is why we strongly recommend evaluating your needs carefully before selecting your coverage. Think about the risks involved in your activity, the level of medical cover required, and whether you want to add extra options such as daily hospital compensation, cancellation cover, or private life protection. If you’re still within your 14-day cancellation period and your insurance package hasn’t yet started, you can cancel and take out a new one instead. Once your coverage is active, however, the terms of your plan are fixed until it expires.

No, none of our policies include civil liability insurance. Our accident insurance is focused entirely on the person named on the contract — the insured individual. This means that while we cover your injuries, hospitalisation, and recovery fees, we do not cover damage or injury caused to others, whether during a competition, a training session, or a leisure activity. If you need third-party cover, we recommend contacting your club, school, or sports federation to confirm whether your licence includes liability insurance. Our service is designed for those who want to be fully protected in case something happens to them — not for managing damage claims from others. This makes our coverage clear, focused, and powerful where it matters most: your health.

Your accident insurance is valid from the start date to the end date shown on your certificate of cover. This period is defined at the time of subscription and cannot be changed once the contract is active. Whether you’re booking cover for a single match, a school ski trip, or an extended training camp abroad, your insurance must match the exact dates of your activities. Coverage begins at 00:00 on the start date and ends at 00:00 on the end date. If you only need cover for one day, you can select the same start and end date. For longer sports holidays, we recommend choosing the full duration of your stay, including travel time. A 14-day withdrawal period applies to all new subscriptions, but this right must be exercised before the effective start of your coverage.

Yes, you can insure up to 20 people on a single contract. This feature is perfect for sports clubs, school groups, families, or teams heading to events together. Each individual will receive their own insurance certificate and be entitled to the same guarantees, including medical assistance, repatriation, and personal injury protection. When registering a group, you'll be asked to provide some basic information for each participant, including their name, nationality, and date of birth. This allows us to tailor the policy to each person while keeping things streamlined under one administrative account. If you're insuring a group for a school trip, race, tournament, or multi-activity adventure, our group option is the fastest and most efficient way to secure professional-level cover.

Yes. In case of an accident during scuba diving, your policy includes access to hyperbaric treatment. If a decompression chamber is required, our emergency assistance team will coordinate with local medical services to transfer you to the nearest facility. The medical costs associated with this treatment are fully covered under the plan — making our policy one of the most inclusive for water sports and underwater activities. Diving accidents can lead to serious complications, especially abroad, which is why we’ve built specialised support for this activity into all of our formulas. Whether you’re exploring coral reefs or diving in open water, you can rely on us to keep you safe, supported, and medically covered — above and below sea level.

The “Competition” option is built for athletes who take part in official sporting events, whether as amateurs or professionals. If your sport involves structured matches, tournaments, races, duels, exhibitions, or any situation where you're competing against others, this option ensures you're fully protected during every phase of the event. From triathlons and MMA contests to sailing regattas and mountain bike races, the Competition option guarantees that your policy includes the extra risks associated with performance-focused sports. It covers incidents that may occur during warm-ups, official races, match play, and even during post-event recovery. If you’re participating in a championship, multi-stage tour, or endurance competition abroad, this option is essential. It’s also ideal for clubs, federations, or athletes registered in competitive leagues who need a trusted, flexible insurance partner ready to follow them across borders.

The “Baggage” option protects your personal items and sports gear against theft, loss, or damage during your trip. This includes your suitcase, carry-on bags, valuables, and equipment such as skis, helmets, wetsuits, or professional kits. Whether your bag is lost at the airport or your gear is damaged en route to a competition, this cover provides financial compensation for replacement or repair. It’s particularly useful for adventure sports where equipment plays a key role and isn’t usually protected by standard travel policies. The maximum reimbursement amount depends on the selected plan and is clearly detailed in your coverage table. If your lifestyle or sport involves high-value equipment, or if you're travelling across multiple locations, the Baggage option gives you the extra security you need.

In the event of hospitalisation following a sports accident, this optional cover pays you a fixed amount per day spent in care. You can select a daily rate of €30, €40, or €50 when subscribing to the option. This benefit helps offset the financial impact of time away from work, additional family support costs, or any unforeseen expenses linked to recovery. Your selected allowance amount is confirmed on your insurance certificate, and eligibility is detailed in Article 3.2.8 of our General Terms. This option is particularly recommended for those who travel frequently, practise high-impact sports, or want to be financially prepared for all outcomes — even long-term hospital stays abroad.

Once your payment has been confirmed, you’ll immediately receive your insurance certificate, assistance card, and full policy terms by email. If you don’t see them in your inbox, be sure to check your spam or junk folders — especially if you're using a school or work address. You can also access your documents anytime by logging into your account on our website with your email and password. If you've already completed a quote or started a subscription, a temporary password will have been sent to you. This allows you to connect securely to your dashboard and manage your documents in just a few clicks.

To access your account, go to assuretonsport.com and click “My Profile” in the top-right corner. Log in using the email address you used to request a quote or subscribe to a policy. If this is your first time logging in, use the temporary password sent to your inbox. Once inside your profile, you can view your current insurance contracts, download documents, edit your information, and track previous quotes.

Once logged in to your profile, click “Settings” at the top right of the page. From there, you can update your personal information such as name, date of birth, nationality, or contact details. Don’t forget to click “Save” to validate your changes. If you encounter any issues, our support team is available to guide you through the process.

Assure Ton Sport offers policies and supporting documents in English, French, Spanish, and Italian. You can select your preferred language during the subscription process by choosing from the dropdown menu in the top-right corner of the site. For legal accuracy, we do not recommend using machine translators such as Google Translate. All documents are professionally translated and ready to use for official purposes, including during travel or in medical situations abroad.

If you've already completed a quote but haven’t finalised the subscription, you can retrieve it by logging into your account. Go to “My Profile”, find the relevant quote, and click the three dots beside it. From there, select “Subscribe Online” to turn it into a live contract. All it takes is a few final clicks to activate your protection and receive your documents by email.

No. At the moment, Assure Ton Sport only accepts online payment by debit or credit card via our website or mobile app. This secure process takes less than two minutes and ensures instant delivery of your policy documents. Bank transfers are not available due to the real-time nature of our subscriptions, especially when cover is needed quickly before a trip or competition.

Invoices can be generated at the end of each calendar month. To access yours, log into your account and click on “Invoice” at the top of your screen, next to your name. Select the month and year you’d like to view, and your invoice will be ready for download. If you need help locating it, our support team will be happy to assist.

If you encounter a problem while browsing our website, try switching to a different browser such as Chrome, Firefox, Safari, or Edge. You can also try clearing your browser cache and cookies or using incognito/private mode. If the issue persists, you can use our mobile app — available on both the App Store and Google Play — for the same fast, secure experience. These steps resolve most common issues and ensure smooth access to your account and services.

Our “Europe Zone” includes all countries within continental Europe, with the exception of Ukraine, Belarus, and Moldova. Please note that it does not cover overseas territories or ultra-peripheral regions of the European Union. If you are planning travel beyond this zone, we recommend selecting global coverage or contacting our team for guidance.

If you're travelling to several countries outside Europe, you must purchase one policy per destination. The process is quick and easy via our app or website and takes less than two minutes per contract. If all your destinations are in Europe, simply select the “Europe” option during subscription. This ensures you’re fully covered for all eligible sports and activities across the entire zone.

Yes. You are entitled to a 14-day withdrawal period starting from the date of subscription. However, this cancellation must be submitted before the official start of your coverage. To cancel, you must send a registered letter with proof of delivery — either by post (Assure Ton Sport – 968 Route de Caumont, 84470 Châteauneuf-de-Gadagne, France) or online via https://www.ar24.fr. A cancellation letter template is available on page 9 of our General Terms and Conditions.

No, our insurance contracts are not automatically renewed. If you wish to extend your coverage after the end date, you’ll need to take out a new subscription manually via your account. If your club or association subscribed on your behalf, please contact them directly or make a new subscription in your own name online.

Yes, repatriation and medical evacuation are included in all our accident insurance plans. Whether you're on a ski slope in the Alps, diving in the Mediterranean, or training overseas, we cover emergency transport back to your country of residence when medically required. This includes the organisation and full cost of repatriation, even from remote or high-risk locations, with no out-of-pocket expense for the insured individual. If you have selected the optional competition cover, a cap of €100,000 applies to repatriation costs. Outside of that, we operate on actual expenses. You or your team must simply contact our emergency assistance line — available 24/7 — to activate the process. From coordinating local care to organising your safe return home, our support service takes full responsibility for the logistics.

The “Private Life” option extends your insurance protection beyond just your sporting activities. While your standard accident policy only applies during your chosen recreational activity or training session, this add-on ensures you’re also covered throughout the rest of your day — whether you're shopping, sightseeing, or simply walking around your destination. This extended coverage is especially useful during sports holidays, training camps, and school trips abroad. It includes full medical help, transport, and emergency care in the event of an accident not directly related to your sport. It’s designed for athletes, families, and travellers who want complete peace of mind — knowing they’re protected in every moment, not just during a match or event. The “Private Life” option is available exclusively with our day-rate plans, giving you the flexibility to tailor your cover to the exact duration of your trip. Whether you need protection for one day or several weeks, this option offers the reassurance of a complete insurance experience wherever your travels take you.

We provide market-leading individual accident cover for more than 400 sports and adventure activities. Unlike general travel or life insurance policies, which often exclude dangerous or intense sports, our coverage is built from the ground up to protect you during physical activity. This means you're covered for injury, medical treatment, repatriation, emergency transport, hospitalisation, and financial compensation in the event of disability or death. Whether you’re hurt during a match, a training session, a dive, or a hike, your protection is guaranteed throughout the insured period. We focus on the person — not property or third-party damage — which means your plan only covers your own injuries and expenses. That allows us to offer one of the most inclusive, high-performance insurance plans available for sports enthusiasts, amateurs, and professionals alike.

Yes, absolutely. All of our accident insurance plans include coverage for medical fees related to sports injuries. This includes treatments such as consultations, X-rays, emergency care, rehabilitation, and physiotherapy following an accident. The reimbursement limit depends on the plan you choose. Our most advanced option offers medical cover of up to €150,000 per person, providing robust protection for international trips, risky activities, and extended recovery periods. Medical cover is essential for anyone practising intense or potentially dangerous activities. A simple fall during a hike or a bike crash abroad can result in hospitalisation, surgery, and follow-up care — all of which can be costly, especially outside the UK. With Assure Ton Sport, you’re not just insured; you’re protected by one of the most complete and competitive policies on the market for athletes.

If you need to end your trip early because of a sports injury, your policy includes trip interruption protection. Each plan provides proportional reimbursement for unused services such as ski lift passes, sports equipment rental, and lessons. The maximum amount reimbursed per incident is €400, making this an ideal benefit for active families, school ski trips, or any holiday involving prepaid services. This benefit applies not only to the policyholder but also to covered family members. In cases of serious injury, this can significantly reduce the financial impact of cancelling or cutting short a trip. Whether you're hurt on day one or halfway through a week-long training camp, we help ensure your holiday doesn’t end in unnecessary expense.