Is practising sports covered in accident insurance?

When we talk about accident insurance covering sport, it is important to understand what activities are included and which are excluded from the cover.
 

Most basic insurance policies do not include certain sports considered high-risk or that require specific protection. For example, they do not cover underwater activities using self-contained breathing apparatus, training and competitions or tests of speed or endurance with any type of vehicle, nor aerial and adventure sports and activities such as mountaineering, canyoning, climbing, boxing, martial arts, bobsleigh, skiing and snowboarding off-piste, long-racket sports, jai alai, diving or rugby.

In addition, the practice of any professional sport or participation in competitions or tournaments organised by sports federations or associations are usually excluded in most standard contracts. This is because these scenarios involve a higher risk and therefore require special cover.

However, it is possible to extend the protection of your accident insurance to cover a greater variety of sports. Mediante el pago de una sobreprima o ampliación de la póliza, el seguro de accidentes puede cubrir deportes como senderismo, trekking, espeleología, natación submarina y caza mayor. También se puede incluir la práctica del esquí, snowboard (siempre que no sea fuera de pistas) y la equitación.

In short, if you're asking yourself whether accident insurance covers the sports you enjoy, it is essential to review the conditions of the policy in detail and consider adding additional cover for specific sports, especially if you take part in high-risk activities or high-level competition.

Having insurance that includes sports guarantees not only your protection against accidents, but also the peace of mind you need to enjoy your favourite activities without worries.