A Complete Triathlon Insurance Package Tailored to Your Needs

Permanent Disability Protection

A serious accident during a triathlon can impact your ability to train, race, or continue your sporting lifestyle. Our insurance includes up to €200,000 per insured person in the event of partial or total disability. This guarantee offers essential long-term support and financial stability for athletes whose passion for cycling, running, or racing is central to their lives. It is one of the most important protections for anyone practising high-intensity sports involving speed, distance, and varied terrain.

Competition & Professional Athlete Options

For triathletes competing in official races, international events, or long-distance challenges, we offer specialised Competition and Professional options. These plans are designed for high-performance athletes who need extended cover for travel, equipment, bike protection, and medical emergencies during demanding triathlon activities. Whether you race on the road, on dirt tracks, or during winter training camps, you can rely on enhanced protection suited to competitive environments.

Medical Fees & Healthcare Support

Triathlon is a demanding endurance sport involving swimming, cycling, and running, each with its own risks. Falls on the bike, muscle strains during running, or open-water injuries can lead to expensive medical needs. Our policy provides up to €150,000 in medical expenses, covering emergency treatment, rehabilitation, and essential healthcare when an accident occurs during training, racing, or multi-day events.

Medical Transport & Repatriation

In the event of an injury during a triathlon race, a training session, or a travel-related trip, fast medical support is essential. Our insurance includes full-cost transport and repatriation, ensuring you receive immediate assistance whether the incident occurs on the bike, on the track, in open water, or while travelling abroad for a competition. This level of cover is crucial for all triathletes, from beginners to Ironman athletes, who often train and race across different terrains and destinations.

Why Is Triathlon Insurance Essential?

A triathlon is one of the most demanding endurance sports, combining swimming, cycling, and running into a single event. Each discipline carries its own risks: open-water difficulties, high-speed bike falls on the road or mountain terrain, muscle injuries during long-distance running, or accidents that happen while travelling to a race or training session. These incidents can lead to significant medical expenses, emergency treatments, equipment damage, or costly trip interruptions — all situations where standard travel insurance or basic club licences often fall short.
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Recognised Expertise in Triathlon Insurance and Athlete Protection

Our triathlon insurance is trusted by a wide community of athletes — from FFTRI licensed competitors to club members, Ironman finishers, and independent triathletes training throughout the year. Whether you are preparing for an official competition, joining an intensive training block, or travelling abroad for an endurance event, our coverage ensures full protection in case of an accident, injury, or unexpected medical emergency. Triathlon involves three demanding activities — swimming, cycling, and running — and each stage brings its own risks, from open-water incidents and road bike crashes to muscle strains during high-intensity sessions. That is why at Assure Ton Sport, our insurance policies include flexible options tailored to every type of athlete: passionate amateurs, competitive racers, multi-race participants, and high-level professionals seeking strong, reliable guarantees throughout the season.

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FAQ

Triathlon insurance provides protection designed specifically for athletes taking part in swimming, cycling, and running activities. A standard policy includes medical expenses, emergency transport, accident cover during races and training, and assistance while travelling in France or abroad. It also protects triathletes during official events, Ironman-style races, club sessions, and endurance activities that involve long distances, mixed terrain, or intense physical effort.

Many plans also include trip cancellation, luggage protection, and cover for your bike or bicycle in case of theft or damage during travel.



 

Regular travel insurance rarely covers sports involving high physical effort or specialised equipment such as a road bike, mountain bike, or triathlon racing bike. It may also exclude open-water swimming, competitive running, or participation in organised races.

Triathlon insurance, however, is designed for endurance activities and covers athletes during competitive events, training sessions, and travel linked to your sport. It includes dedicated protection for cycling incidents, sports-related injuries, race cancellations, and emergency assistance during international events — benefits that standard holiday insurance simply cannot provide.

Yes. Many policies offer protection for your bike when travelling to a race, event, or training camp. This includes cover for theft, accidental damage, or loss during transport by plane, train, or car. High-value bicycles, including carbon-frame road bikes or mountain models used for off-road triathlon formats, can usually be added to the policy with a declared value. This guarantees peace of mind during long trips, multi-day holidays, or international competitions.

Absolutely. Triathlon insurance includes emergency medical support during races, training, and any activities linked to your sport. This can cover injuries such as fractures, muscle strains, dehydration, exhaustion, or cycling-related accidents.
Coverage often includes hospitalisation, surgery, rehabilitation, follow-up treatment, and sometimes physiotherapy — ensuring that triathletes receive proper care wherever the incident occurs.

Yes — long-distance and Ironman-type races are included when you select a competitive or endurance option. These events involve high levels of physical strain and require tailored insurance due to the risks associated with long cycles, marathon running, and open-water swimming. Whether you race locally or abroad, your cover stays active throughout the event, including before and after the official competition.

Yes. Your protection is valid during training at home, in a club, at a gym, or outdoors — whether on a road track, cycling route, swimming pool, or natural body of water. Training carries as many risks as racing, so insurance provides support for accidents, medical emergencies, or injuries that occur during preparation sessions.

Yes. Triathlon insurance often includes international travel protection, making it ideal for athletes competing abroad or attending training camps overseas. This covers medical treatment, emergency repatriation, and assistance in case of trip disruptions or accidents on foreign terrain, whether in Europe or further away.

Yes. Many triathletes participate in several races annually, from sprint events to multi-day competitions. An annual policy offers continuous protection throughout all your activities — racing, training, and travel — making it more cost-effective than single-event insurance.

Some triathlon insurance plans include cancellation cover, reimbursing you for entry fees, travel bookings, hotel reservations, and other costs if your event is cancelled for reasons beyond your control. This benefit is extremely useful for international races or expensive Ironman events.

Yes. High-value equipment such as your bike, wetsuit, helmet, GPS devices, and training gear can be covered against theft or accidental damage. This is especially relevant during travel, transitions between races, or periods when your equipment is stored at home or in a hotel.

Most policies provide third-party liability cover, which protects you if you accidentally injure someone else or damage their property during training or a race. This is an essential guarantee for cycling and running activities where collisions or incidents can happen unexpectedly.

Yes. In case of a serious accident during a race or training, your plan includes emergency evacuation, medical transport, or repatriation to your home country. This ensures immediate care even if the incident occurs far from medical facilities.

Of course. Triathlon insurance is not only for elite or competitive athletes. Beginners, casual participants, club newcomers, and athletes training for their first sprint triathlon all benefit from medical and equipment protection, especially during intensive preparation.

Prices vary depending on:

  • Your age

  • Type of policy (single-race or annual)

  • Value of your bike

  • Whether you travel abroad

  • Level of competition

  • Additional options selected


The more comprehensive the cover, the safer you are during events.
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