What is Sports Equipment Delay Coverage?
Sports Equipment Delay is a travel insurance benefit that covers the cost of equipment rentals if your own equipment is delayed en route to your destination. Common examples of sports gear rentals that can be covered by travel insurance include skis, snowboards, golf clubs, tennis rackets, surfboards, and fishing poles.
To be eligible for coverage, you must meet your travel insurance policy’s minimum delay period, which can range between 12 and 24 hours depending on the policy.
Not all travel insurance plans include coverage for sporting goods. Coverage limits, exclusions, and eligibility requirements differ by policy.
What Does Sports Equipment Delay Cover?
If a common carrier, such as an airline, mishandles your sports equipment and delays its arrival to your destination, the Sports Equipment Delay benefit can provide reimbursement up to your policy’s coverage limit to rent or purchase new equipment.
Coverage limits typically range between $200 and $5,000 per person, depending on the policy. Some plans may also include per day and per item limits. Sports equipment insurance policies that include higher coverage amounts offer more protection and peace of mind, but typically come at higher premiums.
Sports Equipment Delay Eligibility Requirements
In order to be eligible for Sports Equipment Delay insurance coverage, your sports equipment must be checked into a common carrier. Carry-on items are not covered by this benefit.
In addition, your items must be delayed for a minimum amount of time, typically 12-24 hours, before coverage kicks in. Any sports equipment rentals or purchases made prior to meeting your policy’s minimum delay period won’t be covered by your travel insurance provider.
The Sports Equipment Delay benefit is usually limited to sports gear that is momentarily delayed in transit to your destination. Items that are lost, damaged or stolen may be covered by your policy’s Sports Equipment Loss benefit.
Filing A Sports Equipment Delay Claim
In order to receive reimbursement through your policy’s sports equipment coverage for delayed sports equipment, you will need to file a claim directly with your travel insurance company.
While each travel insurance provider has their own claims process, most will require the following documents in order to provide coverage:
- Verification from your common carrier that certifies the delay or misdirection of your personal items
- Receipts for the sports equipment rentals or purchases you made while waiting for your own equipment to arrive
- Credit card or bank statements that include your rental or purchase
- A copy of your itinerary and travel plans
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Sports Equipment Delay coverage.
What Does Sports Equipment Delay Cover?
If a common carrier, such as an airline, mishandles your sports equipment and delays its arrival to your destination, the Sports Equipment Delay benefit can provide reimbursement up to your policy’s coverage limit to rent or purchase new equipment.
Coverage limits typically range between $200 and $5,000 per person, depending on the policy. Some plans may also include per day and per item limits. Sports equipment insurance policies that include higher coverage amounts offer more protection and peace of mind, but typically come at higher premiums.
Sports Equipment Delay Eligibility Requirements
In order to be eligible for Sports Equipment Delay insurance coverage, your sports equipment must be checked into a common carrier. Carry-on items are not covered by this benefit.
In addition, your items must be delayed for a minimum amount of time, typically 12-24 hours, before coverage kicks in. Any sports equipment rentals or purchases made prior to meeting your policy’s minimum delay period won’t be covered by your travel insurance provider.
The Sports Equipment Delay benefit is usually limited to sports gear that is momentarily delayed in transit to your destination. Items that are lost, damaged or stolen may be covered by your policy’s Sports Equipment Loss benefit.
Filing A Sports Equipment Delay Claim
In order to receive reimbursement through your policy’s sports equipment coverage for delayed sports equipment, you will need to file a claim directly with your travel insurance company.
While each travel insurance provider has their own claims process, most will require the following documents in order to provide coverage:
- Verification from your common carrier that certifies the delay or misdirection of your personal items
- Receipts for the sports equipment rentals or purchases you made while waiting for your own equipment to arrive
- Credit card or bank statements that include your rental or purchase
- A copy of your itinerary and travel plans
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Sports Equipment Delay coverage.
Sports Equipment Delay Eligibility Requirements
In order to be eligible for Sports Equipment Delay insurance coverage, your sports equipment must be checked into a common carrier. Carry-on items are not covered by this benefit.
In addition, your items must be delayed for a minimum amount of time, typically 12-24 hours, before coverage kicks in. Any sports equipment rentals or purchases made prior to meeting your policy’s minimum delay period won’t be covered by your travel insurance provider.
The Sports Equipment Delay benefit is usually limited to sports gear that is momentarily delayed in transit to your destination. Items that are lost, damaged or stolen may be covered by your policy’s Sports Equipment Loss benefit.
Filing A Sports Equipment Delay Claim
In order to receive reimbursement through your policy’s sports equipment coverage for delayed sports equipment, you will need to file a claim directly with your travel insurance company.
While each travel insurance provider has their own claims process, most will require the following documents in order to provide coverage:
- Verification from your common carrier that certifies the delay or misdirection of your personal items
- Receipts for the sports equipment rentals or purchases you made while waiting for your own equipment to arrive
- Credit card or bank statements that include your rental or purchase
- A copy of your itinerary and travel plans
Filing A Sports Equipment Delay Claim
In order to receive reimbursement through your policy’s sports equipment coverage for delayed sports equipment, you will need to file a claim directly with your travel insurance company.
While each travel insurance provider has their own claims process, most will require the following documents in order to provide coverage:
- Verification from your common carrier that certifies the delay or misdirection of your personal items
- Receipts for the sports equipment rentals or purchases you made while waiting for your own equipment to arrive
- Credit card or bank statements that include your rental or purchase
- A copy of your itinerary and travel plans
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Sports Equipment Delay coverage.
Sports Equipment Delay by Provider
Aegis
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 1 |
Optional coverage |
|
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Sporting Equipment Delay Benefit * if Upgrade purchased – $600 per Insured If the Insured’s Covered Trip is delayed for 24 hours or more due to a Covered Loss, We will reimburse the Insured a Sporting Equipment Delay Benefit for expenses to rent sporting equipment, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if the Insured’s sporting equipment is delayed, while on a Covered Trip. Receipts for the expenses incurred must be submitted for reimbursement, along with written proof that the Insured’s sporting equipment was delayed. |
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Arch RoamRight
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 2 |
Optional coverage |
|
|
OPTIONAL SPORTS AND BUSINESS EQUIPMENT RENTAL If Your Business Equipment or sports equipment is lost, stolen, damaged, destroyed or delayed by a Common Carrier for 6 hours or more during Your Trip for the reasons covered by the Baggage and Baggage Delay benefits, We will reimburse You on a one-time basis, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the reasonable costs of renting Business Equipment or sports equipment during Your Trip. A police report is required if Your Business Equipment or sports equipment is stolen. Documentation from the Common Carrier is required for proof of damage, delay, or loss by a Common Carrier. Original receipts and list of stolen, damaged or lost Business Equipment or sports equipment must be provided along with proof of loss providing amount of loss, date, time and cause of loss, and a repair estimate, if the Business Equipment or sports equipment is damaged. For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $250 per item for Business Equipment or sports equipment. |
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| 3 |
Optional coverage |
|
|
OPTIONAL SPORTS AND BUSINESS EQUIPMENT RENTAL If Your Business Equipment or sports equipment is lost, stolen, damaged, destroyed or delayed by a Common Carrier for 6 hours or more during Your Trip for the reasons covered by the Baggage and Baggage Delay benefits, We will reimburse You on a one-time basis, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the reasonable costs of renting Business Equipment or sports equipment during Your Trip. A police report is required if Your Business Equipment or sports equipment is stolen. Documentation from the Common Carrier is required for proof of damage, delay, or loss by a Common Carrier. Original receipts and list of stolen, damaged or lost Business Equipment or sports equipment must be provided along with proof of loss providing amount of loss, date, time and cause of loss, and a repair estimate, if the Business Equipment or sports equipment is damaged. For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $250 per item for Business Equipment or sports equipment. |
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AXA Assistance USA
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 4 |
$1,000 per person |
|
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SPORTS EQUIPMENT RENTAL The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the reasonable cost of renting sports equipment during the Trip if, while on the Trip, Your or Your Traveling Companion’s checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for twelve (12) hours or more. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim. |
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Berkshire Hathaway Travel Protection
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 5 |
$500 per person |
|
|
SPORTING EQUIPMENT AND GOLF EQUIPMENT DELAY If, while on a Trip, Your sporting or golf equipment is delayed or misdirected by the Common Carrier for at least 6 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the rental or purchase of sporting golf equipment. Incurred expenses over $25 must be accompanied by receipts. |
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Detour Insurance
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 6 |
$5,000 per person |
|
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SPORTS EQUIPMENT RENTAL The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the reasonable cost of renting sports equipment during the Trip if, while on the Trip, Your checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for twelve (12) hours or more. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim. |
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| 7 |
$5,000 per person |
|
|
SPORTS EQUIPMENT RENTAL The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the reasonable cost of renting sports equipment during the Trip if, while on the Trip, Your checked sports equipment is lost, stolen, damaged or delayed by a Common Carrier for twelve (12) hours or more. All claims must be verified by the Common Carrier who must certify the delay or misdirection. Receipts for the purchases must accompany any claim. |
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IMG
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 8 |
iTravelInsured Travel LX Basic $2,000 per person |
|
|
Sports Equipment Rental – up to $500 per day to a maximum of $2,000 per person SPORTS EQUIPMENT RENTAL We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the reasonable cost of renting sports equipment, if Your property is lost, stolen, damaged, destroyed or delayed by a Common Carrier for twelve (12) or more hours during Your Trip. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. |
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| 9 |
$250 per person |
|
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SPORTS EQUIPMENT RENTAL We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for the reasonable costs paid to rent substitute Sports Equipment during Your Trip, if Your Sports Equipment is stolen, damaged, or destroyed by a third party, or lost or delayed for six (6) hours or more by a Common Carrier. Benefits under this coverage are only payable if You have taken reasonable steps to protect, save and/or recover Your property at all times. A police report is required if Your Sports Equipment is stolen. Documentation from the Common Carrier or responsible third party is required for proof of damage, delay or loss by a Common Carrier. Original receipts and list of stolen, damaged or lost Sports Equipment must be provided along with proof of loss providing the amount of loss, date, time and cause of loss. |
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Seven Corners
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 10 |
Optional coverage |
|
|
OPTIONAL SPORTS EQUIPMENT RENTAL – up to $2,500 per item, to a maximum of $5,000. We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the reasonable cost of renting sports equipment, if Your property is lost, stolen, damaged, destroyed or delayed by a Common Carrier for 6 or more hours during Your Trip. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. |
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| 11 |
Optional coverage |
|
|
OPTIONAL SPORTS EQUIPMENT RENTAL – up to $2,500 per item, to a maximum of $5,000 We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the reasonable cost of renting sports equipment, if Your property is lost, stolen, damaged, destroyed or delayed by a Common Carrier for 6 or more hours during Your Trip. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy. |
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Tin Leg
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 12 |
$500 per person |
|
|
SPORTING EQUIPMENT AND GOLF EQUIPMENT DELAY If, while on a Trip, Your sporting or golf equipment is delayed or misdirected by the Common Carrier for at least 6 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the rental or purchase of sporting golf equipment. Incurred expenses over $25 must be accompanied by receipts. |
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| 13 |
$500 per person |
|
|
SPORTING & GOLF EQUIPMENT DELAY – Minimum delay of 6 hours The Company will reimburse up to the Maximum Limit shown in the Schedule if, while on a Trip, the Insured’s sporting or golf equipment is delayed or misdirected by the Common Carrier for more than the number of hours shown in the Schedule. The Company will reimburse up to the Maximum Limit shown in the Schedule for the rental or purchase of sporting golf equipment. |
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| 14 |
Included in Baggage Delay |
|
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Included in Baggage Delay. |
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Travelex Insurance Services
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 15 |
$200 per person |
|
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SPORTING EQUIPMENT AND GOLF EQUIPMENT DELAY If, while on a Trip, Your sporting or golf equipment is delayed or misdirected by the Common Carrier for at least 24 consecutive hours, the Company will reimburse You up to the Maximum Limit shown in the Schedule for the rental or purchase of sporting golf equipment. Incurred expenses over $25 must be accompanied by receipts. |
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| 16 |
$200 per person |
|
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SPORTING & GOLF EQUIPMENT DELAY Minimum delay of 24 hours The Company will reimburse up to the Maximum Limit shown in the Schedule if, while on a Trip, the Insured’s sporting or golf equipment is delayed or misdirected by the Common Carrier for more than the number of hours shown in the Schedule. The Company will reimburse up to the Maximum Limit shown in the Schedule for the rental or purchase of sporting golf equipment. |
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