Karate Insurance

Karate
Insurance

Cover for karate training & competitions
Medical expenses & repatriation
Personal accident cover
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Award winning insurance

Recognised for our specialist approach
to sports and travel insurance.

Trusted by 75,000+ customers

Exceptional-rated cover from thousands of active travellers.

Backed by AXA XL

Buy with confidence with cover
underwritten by a leading insurer.

What's covered
Why choose us?

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What does karate insurance cover?

Our karate insurance gives you a choice of cover based on where you practise, whether you compete and the level of protection you need.

Karate travel insurance is a full sports travel policy for participants heading abroad for training camps, seminars, gradings or amateur competitions. Cover can include emergency medical treatment and repatriation, trip cancellation and curtailment, travel disruption, training or competition fees, sports equipment, personal accident, baggage and more.

Karate sports accident insurance is designed for regular training and amateur competition in the UK, including technique practice, kata, kumite, sparring, gradings and organised events. Benefits can include personal accident cover and support with rehabilitation following an injury.

From regular dojo sessions to international competitions, choose cover designed around the way you train, grade and compete.

Our policies provide three different types of cover: Sports travel insurance, Sports accident, and Activity Top-Up. Please ensure you select the most suitable cover for your activity, when you get a quote and always review your policy documents.

Sports equipment is excluded under our bolt‑on cover.

Karate Insurance

Coverage	Bronze	Silver	Gold
Emergency Medical Expenses and Repatriation	£10,000,000 £90 Excess	£10,000,000 £90 Excess	£10,000,000 £90 Excess
Cancellation and Curtailment	£1,000 £90 Excess	£2,500 £90 Excess	£5,000 £90 Excess
Baggage and Personal Effects	£1,000 £90 Excess	£1,500 £90 Excess	£2,500 £90 Excess
Delayed Baggage	Nil Nil Excess	£150 Nil Excess	£300 Nil Excess
Sports Equipment	£200 £90 + 10% Excess	£400 £90 + 10% Excess	upgrade available £600 £90 + 10% Excess
Activity and Race Entry Fees	£300 £90 Excess	£600 £90 Excess	£900 £90 Excess
Legal Expenses and Advice	£25,000 £90 Excess	£35,000 £90 Excess	£50,000 £90 Excess
Search and Rescue	£15,000 £90 Excess	£25,000 £90 Excess	£50,000 £90 Excess
Personal Accident	£10,000 Nil Excess	£15,000 Nil Excess	£25,000 Nil Excess
Travel Delay Abandonment and Missed Departure	£1,500 £90 Excess	£2,500 £90 Excess	£5,000 £90 Excess
Money and Documents	£200 £90 Excess	£400 £90 Excess	£500 £90 Excess
Catastrophe	£150 Nil Excess	£250 Nil Excess	£500 Nil Excess
Hijack	£300 Nil Excess	£500 Nil Excess	£1,000 Nil Excess
Inconvenience Benefit	£100 Nil Excess	£500 Nil Excess	£1,000 Nil Excess
Personal Assistance	Included Nil Excess	Included Nil Excess	Included Nil Excess

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Coverage	Bronze	Silver	Gold
Permanent Disablement	£10,000 Nil Excess	£20,000 Nil Excess	£30,000 Nil Excess
Accidental Death	£3,000 Nil Excess	£6,000 Nil Excess	£9,000 Nil Excess
Legal Expenses	£1500 Nil Excess	£3,000 Nil Excess	£4500 Nil Excess
Broken Bones	£150 Nil Excess	£250 Nil Excess	£350 Nil Excess
Physiotherapy Fees	£150 £50 + 10% Excess	£250 £50 + 10% Excess	£350 £50 + 10% Excess
Consultants Fees	£150 £50 + 10% Excess	£250 £50 + 10% Excess	£350 £50 + 10% Excess
Dental Fees	£100 £50 + 10% Excess	£200 £50 + 10% Excess	£300 £50 + 10% Excess
Search and Rescue	£8000 £50 Excess	£8000 £50 Excess	£8000 £50 Excess
Membership & Subscription Fees	£75 Nil Excess	£150 Nil Excess	£200 Nil Excess

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What's not covered?

Some benefits under this policy may be subject to an excess. In addition, certain limitations and endorsements may apply.

Any sports or activities above your selected activity group
Professional sports participants
Participants aged 75 and over
Travelling against FCDO advice.
Luggage if lost by an airline or carrier
Medical treatment in your country of residence
Ignoring local advice
Participation beyond 150km from the nearest habitation
Personal liability with sports involving animals (EG horse-riding)
Personal liability for martial arts activities
Personal liability for motor assisted sports
Personal liability for pilots in tandem aerial sports
Undeclared medical conditions

For full details and information on endorsements and exclusions refer to policy documentation.

Policy documents

Only a summary of the policy’s coverage is presented on this page. Please refer to policy documents for full details of what is and what is not covered, when you get a quote.

Thousands rate how easy it is

We’ve refined our process to make buying sports insurance abroad simple but thorough, with cover designed around the activities you take part in, from training trips and competitions to active holidays overseas.

Average pay out for each insurance claim

£1,599.09*

How to make a claim

Choose your policy, find the forms you need

Download and complete forms

Submit your claims for review

How to make a claim

A Recent Claim Example

“One of our policyholders became unwell while in South Africa to play Cricket. They sought medical treatment and were treated for suspected appendicitis, with symptoms of stomach cramps, high fever and nausea. Because they secured our Sports Travel Insurance, they were covered to seek medical treatment.”

Total Paid Out

£5,971.47

Claim Type

Medical Assistance

Policy Type

Sports Travel Insurance

Incident

Medical assistance

Policy Excess Applied

£90.00

Location

South Africa

Disclaimer

*Data relates to all SportsCover Direct Insurance claims from Jan to Dec 2025 inclusive. Claim example from 2025.

Medical cover explained

We provide cover that considers your medical circumstances. Complete a medical declaration to ensure you’re properly protected, as part of the quotation process.*

*Please note, just because you’ve declared a medical condition or injury doesn’t mean it is automatically covered. The insurer needs to assess it first and will inform you by email if any terms apply.

Find out more

Medical conditions must be declared

All pre-existing conditions considered

Cover available up to age 74

We'll review your details

Most declarations don't mean exclusion

Any terms will be confirmed by email

Why choose us

SportsCover Direct is a specialist insurance provider focused entirely on sport. For over 30 years, we’ve helped athletes, teams and organisations get the protection they need, whether they’re travelling, competing, or training abroad or in the UK.

Covering 500+ sports

Fast online quotes

Established over 30 years

UK-based support team

FAQs

Am I covered for injuries from other martial arts training done alongside karate?

You are covered for activities you select in your policy. If you need an additional martial arts discipline, please select this when you get a quote as it may adjust your premium.

Am I insured for dojo training versus outdoor training environments?

There are no exclusions for training in these environments. You are covered for the benefits listed in your policy.

Am I insured for injuries sustained in both sparring and competitions?

If you sustain an injury whilst sparring and competing abroad, you can be covered under medical expenses cover. If you are competing in the UK, our policy can cover you for disablement, broken bones, dental fees, physiotherapy amongst others listed. For further details please request a quote.

Am I insured for training with weapons?

There are no exclusions for training with sport related weapons, providing reasonable precautions are taken.

Are pre-existing injuries from previous karate training covered?

Pre-existing injuries can be covered, you will need to declare these to ensure your cover is valid.

Can I take out Karate Travel Insurance if I have a medical condition?

Yes, our Karate Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

Does standard travel insurance cover Karate?

Standard travel insurance policies do not always cover martial arts sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.

Does the policy cover tournament registration fees if I’m unable to compete due to injury?

Yes, activity fees can be covered if you need to cancel a competition due to injury.

Does your karate insurance cover both World Karate Federation and traditional Japanese tournament rules?

There are no exclusions participating in Karate for either of these tournament rules.

Is personal liability included for injuries caused to training partners?

Yes, you are covered for personal liability up to £2 million.

Is there a maximum age restriction with your Karate Insurance?

Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.

Is there coverage for lost or stolen personal karate gear during travel?

Yes, this is covered by sports equipment, in our travel policy. Please be aware we cannot cover if an airline loses your sports equipment that responsibility would fall to the airline.

What karate equipment is covered under the policy?

Any Karate equipment can be covered with sports equipment, in our travel policy.

Will I be covered to participate in a competition?

Yes – unless otherwise stated during the quote process.

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Karate Insurance