Triathlon Insurance
Cover for triathletes on overseas & UK races
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Emergency medical expenses & repatriation
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Protection for triathlon event race entry fees
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Triathlon trip cancellation cover
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What does triathlon insurance cover?
Triathlon trips can range from a one-off overseas race to a warm-weather training camp, international series or full season of events. Our triathlon insurance gives you a choice of cover based on where you are competing, how often you travel and the protection you already have in place.
A full sports travel policy combining specialist triathlon cover with protection for the wider trip. Benefits can include emergency medical treatment and repatriation, cancellation and curtailment, baggage, personal accident, race entry fees, search and rescue, and cover for bikes, wetsuits and other essential triathlon equipment.
If youalready have travel insurance but triathlon participation is excluded, a bolt-on can add cover for your race, training camp or selected activity days, including after your journey has started.
For training and competing closer to home, a separate sports accident policy can provide benefits such as personal accident, personal liability and income protection.
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.
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.
How much does triathlon insurance cost?
Your triathlon premium is influenced by age, destination, trip length, and the level of cover you select.
Options like cancellation limits and sports equipment cover (bike, wheels, wetsuit, electronics, bike box) will affect the price, as will travelling to multiple races or a dedicated training camp.
Review the triathlon travel insurance example and get a quote tailored for your triathlon trip.
Pricing example
£18.44**
Example quote is based on:
- Sport Selected Triathlon (up to Olympic distance)
- Sports Group Group 1
- Package Bronze
- Policy Single Trip Travel Policy
- Duration 5 days
- Destination Europe
- Emergency Medical Treatment £10,000,000
- Trip Cancellation £1,000
- Sports Equipment Cover £200
- Search & rescue £15,000
- See more benefits when you get a quote
**This example is based on a real quote from our website on 15/09/2026 for a 5-day, single trip, adult policy. It is shown for illustrative purposes only. If your circumstances or requirements differ, your quote may be higher or lower. The quote you receive will be based on the information you provide about your activities. Get a quote for pricing tailored to your requirements.
Why you need triathlon insurance?
The risks go beyond race day
Training injuries, illness or an accident during the event could require emergency medical treatment or repatriation abroad.
Small travel setbacks can be costly
A delayed bike or missed connection could leave you facing replacement or rearrangement costs.
Standard travel insurance may not cover competing
Many policies exclude competing in triathlons abroad. Especially extended distances and Ironman.
Hear from our experts
“An overseas triathlon brings together three disciplines, specialist equipment and detailed travel arrangements, so there is plenty that can be affected before the race even begins.
A training injury, illness, cancelled journey or delayed bike could prevent you from competing and leave you facing medical bills, replacement costs or lost bookings.
Triathlon travel insurance is designed to help protect the wider investment in your event, with cover for emergency medical treatment, cancellation, travel disruption, race entry fees, bikes and essential kit.
With more than 30 years’ experience supporting active travellers, we’re here to help you concentrate on your preparation, performance and the finish line.”
Chris Trotman – Head of Sales & Underwriting at SportsCover Direct
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.
Our Claims Record
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
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.
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
Our triathlon insurance covers Triathlons (up to Olympic distance), Cross triathlons, Long course triathlons, Ironman triathlons, Half Ironman (70.3) triathlons and Ultra triathlons. For other events and further event specific information please contact us.
Yes, our triathlon insurance will cover you for participating in competitions, races and events abroad within the zone you have selected unless otherwise stated.
Yes, when you get a quote, select the appropriate activities you will be participating in when you get a quote.
Yes, our Triathlon 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.
Yes. If you are taking part in a UK triathlon and need personal accident cover or income protection, our Sports Accident Insurance is available.
Standard travel insurance policies do not always provide cover for sports events or sports training such as triathlons. Our policy covers a large range of competitions such as duathlon, triathlon, half-ironman and ironman triathlons.
Yes, specialist sports equipment is covered under our travel insurance for triathlon racing for loss or damage up to a maximum of £5,600. Please refer to our policy wording document for specific exclusions.
Yes, our triathlon event insurance can provide cover non-refundable costs of unused activity fees in the event of specified occurrences such as you becoming seriously ill or injured whereby you can no longer take part in the race.
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.
Our triathlon travel insurance provides cover for specialist sports equipment including bikes, for loss or damage to your own equipment and equipment hired to you up to a maximum of £5,600.
If your event is cancelled, please contact your event organisers for activity/entry fee compensation. If you wish to cancel your triathlon insurance policy with us, please refer to our policy wording for cancellation and cooling-off period provisions and reach out to us by phone, email or our live chat.
Our travel insurance for triathlon racing is designed to protect you financially should you get injured and need medical assistance whilst competing or on your trip, covering you for up to £10,000,000 of emergency medical expenses abroad and repatriation to your country of residence.
Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your triathlon equipment in the transition area, and in transportation to and from your destination.
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