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Ironman Triathlon Insurance

Last Updated on September 1, 2021 by Chef

You’ve picked your race, put in the training and now you’re ready to head off to the race. While the odds are nothing will happen there is always the risk. Most travel insurances won’t cover you for Ironman triathlon races or even half Ironman triathlon races so you need specialist ironman triathlon insurance that won’t let you down if you go down.

UPDATE:

Further to the update below I can now say that as an Australia (and possibly NZ) policy holder they WILL cover triathlon up to Ironman distance if you select it as an add on part of your policy. Not sure why they have changed again. Make sure you really check out what the latest update is before you commit to insurance. It probably won’t cover your bike as that would be a separate add on again. Thanks to reader Kerri for pointing this out.

IF you’re UK based the Triathlon section is broken up into 3 segments from sprint, middle and full. Double check that full actually means ironman distance and not olympic distance or that middle is half ironman not olympic. It really isn’t clear and they’ll have the final say if you need to claim. The full add on supplement costs more than a weeks worth of coverage so make sure it does cover you.

If you’re from the EU I’m afraid there is still no cover for triathlon with world nomads. I guess this could change in the future but always check the fine print on any policy you buy.

They are still my preferred insurer for travel including altitude trekking in Nepal and now I can again use them for my triathlon races.

Ironman travel insurance for triathletes
Race ready for Ironman Phuket. Don’t forget your Ironman travel insurance.

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ironman triathlon insurance
Not racing yet? I’ve made a pin for you to save for later when you’re ready to go.

Good luck with your race and good luck with getting your Ironman triathlon insurance. If you can’t afford the insurance you can’t afford to travel has always been our moto. The unexpected can and does happen.

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Kerri Dewe

Monday 19th of August 2019

There may have been a change? As at August 2019, World Nomads do appear to provide cover for amateur racing (at least under the NZ and Australian Policy). You can purchase an upgrade for triathlon (less than ultra) - it is a level 3 upgrade. Under the Policy Terms and Conditions, Section 8 - Adventure, Work, Study & Volunteer: "You can participate in an amateur race or competition (excluding any motorsports) as long as you're not paid to participate in or train for the race or competition." This would give you cover for medical expenses arising from a race (but most likely not damage to your bike - damage to sporting equipment while in use is specific exclusion 5 to Section 8 of the Policy). The wording noted above as specific exclusion 6 to Section 8 (6. Racing, except on foot and up to marathon level; participating in speed or time trials..) is not in the specific exclusions any more.

Chef

Monday 19th of August 2019

Hi Kerri, Thanks for the comment. I've just had another look and indeed for Australian based policy holders it now does include up to Ironman distance if you extend the cover. It was roughly $70 for a 2 week holiday when I was checking myself. I wish they'd make up their mind. Thanks for letting me know and I'll go and update the post again.

Sebastian

Wednesday 19th of June 2019

Hi James, based on your article I wanted to get insurance with World Nomads for my upcoming Ironman. Than I had a look at their t&c's and found that they do not cover races, no endurance events longer than marathon, no time trials etc. Since it didn't explicitly excluded Triathlons I sent them an Email and asked. Here is the answer:

"...

I’ve just received an update from our underwriters who have advised that we’re unable to offer cover for the Ironman Triathlon which is excluded under What’s not covered – Specific Exclusions under Section 8 – Adventure, Work, Study & Volunteer of the policy wording:

6. Racing, except on foot and up to marathon level; participating in speed or time trials

..."

So they really do not cover Ironman races!

I don't know if you are still with World nomads, but you might want to check with them too!

It's a real shame as I can't find any insurance that covers my overseas Ironman...

Chef

Wednesday 19th of June 2019

Hi Sebastian, Thanks for reading and taking the time to get back to me. It seems that World Nomads have indeed cut out the Iron distance coverage. Last year I raced at home so didn't need their insurance. It seems a shame they have decided on this. With the sudden boom in people racing I wonder if they now don't want the exposure for these events. I'll amend the post and like you will need to look at finding new coverage for my next overseas Ironman. Even before there were few companies out there. Good luck with your race. Cheers James

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