What Is Rental Sports Equipment Coverage?
Rental Sports Equipment Coverage is a travel insurance benefit that reimburses you for renting replacement sports gear if your equipment is lost, stolen, damaged, or delayed during your trip. It ensures you can continue your activities without interruption.
Key Benefits :- Covers lost, stolen, or damaged sports equipment
- Reimburses rental costs for delayed gear
- Keeps your travel activities on schedule
- Saves money on last-minute rentals
- Ideal for skiing, surfing, golfing, diving, and other sports
Who Needs Rental Sports Equipment Coverage?
- Travelers carrying expensive or specialized sports gear
- Skiers and snowboarders on winter trips
- Surfers and paddle boarders on beach or water adventures
- Golfers attending golfing vacations or tournaments
- Scuba divers or snorkelers on diving trips
- Cyclists and adventure sports enthusiasts
What Does Rental Sports Equipment Coverage Cover?
Rental Sports Equipment Coverage is a travel insurance benefit that reimburses you for renting replacement sports gear if your equipment is lost, stolen, damaged, or delayed during your trip. It ensures you can continue your activities without interruption and avoid unexpected costs.
- Lost or stolen sports equipment
- Damaged gear during travel
- Equipment delayed by airlines or carriers
- Replacement rentals for uninterrupted activities
What Are the Best Sports Equipment Rental Insurance Plans?
iTravelinsured Choice Insurance IMG
- Sports Equipment rental coverage up to $250 per person.
- If your equipment is stolen, damaged by a third party, or lost/delayed by a common carrier for 6+ hours, we will cover reasonable costs up to the maximum benefit amount.
- For theft, a police report is required. For damage, delay, or loss by a carrier, provide documentation from them or the responsible party, along with original receipts and a list of affected items, including loss details.
- This plan offers trip cost up to $10,000.
iTravelinsured Sport Insurance IMG
- Sports Equipment rental coverage up to $5,000 per person.
- If your equipment is stolen, damaged by a third party, or lost/delayed by a common carrier for 9+ hours, we will cover reasonable costs up to the maximum benefit amount.
- For theft, a police report is required. For damage, delay, or loss by a carrier, provide documentation from them or the responsible party, along with original receipts and a list of affected items, including loss details.
- This plan offers trip cost up to $100,000 per person.
Trip Protection Choice Insurance Seven Corners
- Optional Sports Equipment rental coverage up to $2,500 per item up to $5,000.
- The optional riders provide additional coverage for a minimal charge.
- This benefit reimburses you for renting sports equipment if yours is lost, stolen, damaged, destroyed, or delayed by an airline or other common carrier for at least six hours during your trip.
- This plan offers trip cost up to $30,000 per person.
Trip Protection Basic Insurance Seven Corners
- Optional Sports Equipment rental coverage up to $2,500 per item up to $5,000.
- The optional coverage provide additional coverage for a minimal charge.
- This benefit reimburses you for renting sports equipment if yours is lost, stolen, damaged, destroyed, or delayed by an airline or other common carrier for at least six hours during your trip.
- This plan offers trip cost up to $100,000 per person.
Travel Insurance Select Elite Insurance Travel Insurance Services
- Sports equipment rental coverage up to $1,500.
- If your checked sports equipment is lost, stolen, damaged, or delayed by an Air Carrier for 12 hours or more during your trip, you will be eligible for reimbursement.
- The reimbursement will cover the reasonable cost of renting sports equipment, up to the Maximum Benefit Amount listed in the Schedule of Benefits.
- This plan offers trip cost up to $100,000 per person.
How Much Does Travel Insurance with Sports Equipment Rental Coverage Cost?
The trip insurance with Sports equipment rental benefit cost ranges from $175 to $535 for a 15 days duration trip. The cost is depends on several factors, including the traveler’s age, the length of the trip, and the total trip cost.
For example, the rates shown are based on a 50-year-old traveler, with a 15-day trip duration and a trip cost of $5,000.
| Plan name | Sports equipment rental coverage | Cost |
|---|---|---|
| iTravelinsured Choice | Up to $250 per person | $175 |
| Trip Protection Basic | Up to $2,500 per item up to $5,000 (optional) | $207 |
| Trip Protection Choice | Up to $2,500 per item up to $5,000(optional) | $290 |
| iTravelinsured Travel Sport | Up to $5,000 per person | $420 |
| Travel Insure select Elite | Up to $1,500 | $535 |
What Isn’t Covered by Rental Sports Equipment Coverage?
While Rental Sports Equipment Coverage protects against loss, theft, damage, or delays, there are certain exclusions you should be aware of:
- Motorized or powered equipment – e.g., jet skis, motorbikes, snowmobiles
- Pre-existing damage – gear that was already damaged before the trip
- Improper use or negligence – damage caused by misuse, carelessness, or intentional acts
- Items not declared or unlisted – equipment not listed on the insurance policy or exceeding coverage limits
- High-risk activities – some extreme sports equipment may be excluded unless specifically added to the plan
- Routine wear and tear – normal deterioration of gear over time is not covered
Tips : American Visitor Insurance can help you choose the right plan to ensure you get the coverage you need and travel with peace of mind.
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Rental Sports Equipment Coverage – Frequently Asked Questions
Most plans cover common sports gear, but motorized equipment, excessively heavy items, or unlisted gear may be excluded. Always check your policy details.
Coverage reimburses you for rentals immediately after the issue occurs, depending on your plan’s delay threshold or claim approval process.
It generally covers damage during transit but may not cover misuse or accidents while actively using the equipment. Always check the policy wording.
Some travel insurance plans include it automatically, while others offer it as an optional add-on.
Adventure trips often rely on specialized gear, and delays, loss, or damage could ruin planned activities. This coverage ensures you can enjoy your trip without disruption.
Yes, most policies allow claims for more than one piece of equipment, but limits per item and per trip may apply.
Yes, but coverage limits may apply, so check the policy if you’re traveling with professional-grade equipment.