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Standard travel insurance or life insurance policies contain a great many exclusions and generally refuse to cover you if you take part in sports considered "dangerous" or "extreme".
Our AxeoSport policy was designed from the outset for sporting effort: it covers more than 400 sports and adventure activities. What is more, we cover you for high-risk activities such as snowboarding or freeriding, without requiring the mandatory presence of a qualified instructor.
The insurance provided with your bank cards or your standard insurance policies excludes most board sports, combat sports, strength sports, motor sports and air sports, because they consider the risk of bodily injury to be too high.
At AxeoSport, we refuse to deprive you of your passion. To that end, make sure you select your sporting activity correctly when you take out your policy online, so that the cover adapts perfectly and automatically to your own situation.
Only a sports federation can issue you a licence. While a licence generally includes Public/Third-Party Liability cover (for damage caused to others), its cover for your own bodily injury is very often insufficient in the event of a serious accident.
The AxeoSport policy comes in addition to your licence in order to significantly increase your cover amounts and your protection limits according to the level of risk you take.
No, once the policy has been taken out, it can no longer be modified. It is therefore important to carefully assess your cover needs according to your sporting activity before taking out the policy. We especially recommend checking: the medical expenses cover, the disability benefit, and options such as hospitalisation cover.
However, if you are still within the 14-day cooling-off period and your cover has not yet started, you can cancel your policy and then take out a new one with the plan of your choice.
AxeoSport offers three levels of sports coverage, each designed to match a different type of athlete's needs.
The Basic Sports coverage provides access to 316 sports and sporting activities as defined in the General Terms and Conditions. It is suited to athletes practising leisure, training or competition activities within this category.
The Basic and Motorsports coverage extends this protection to 385 sports and sporting activities by automatically including motorsports. It offers greater flexibility for athletes who wish to practise disciplines from multiple categories.
The Basic, Motorsports and Aerial Sports coverage is the most comprehensive plan offered by AxeoSport. It covers up to 439 sports and sporting activities and includes all three categories defined in the policy. By choosing a higher category, you automatically benefit from the coverage of the lower categories.
Please note: certain sports marked with a double asterisk (**) are subject to specific pricing and require an additional declaration at the time of subscription. Any participation in a ranked event requires the subscription of the Competition Option.
To view the full list of covered sports and compensation conditions, please refer to our General Terms and Conditions available at the bottom of the page.
Yes, absolutely! You can take out your policy in just a few minutes on our website using a simplified form. You can perfectly well receive your insurance certificate by e-mail just before starting your sporting activity, your training session or your match.
It is instant. The policy is taken out online only, in less than 2 minutes, with your bank card. Your cover takes effect immediately on the effective date and time shown on your certificate, subject to payment of the premium.
The choice of plan depends on how often you practise your sport, on your level (recreational, competition, professional) and on the level of financial security you want. Our different plans (Plan 1, 2 and 3) differ in their compensation and medical care reimbursement limits (ranging, for example, from 10,000€ to 150,000€ per person).
Pack Assist is a sports insurance and assistance plan offered by AxeoSport for participants in selected sporting activities, including trail running, running, cycling, mountain biking and hiking.
It provides several benefits in the event of an accident during a covered sporting activity:
Available on a daily or annual basis, Pack Assist allows you to choose an insurance period suited to your sporting activities.
All benefits are subject to the policy's terms, limits and exclusions. Assistance services require prior authorisation from the assistance provider.
Pack Assist exclusively covers sporting activities expressly listed in Appendix 1 of its policy terms and conditions.
Covered disciplines include:
Important: any activity not expressly listed in Appendix 1 is excluded. Accidents arising from sports involving land, air or water motorised vehicles are also excluded.
For other disciplines, please consult AxeoSport's other insurance policies, which have their own benefits and exclusions.
Yes. Pack Assist provides medical transport and repatriation cover up to €100,000, subject to the policy's terms and conditions.
If the insured person's medical condition requires treatment or examinations that cannot be provided locally, the assistance service may arrange:
Depending on the medical situation, transport may be arranged by ambulance, commercial aircraft or air ambulance.
Medical repatriation decisions are made by the assistance service's medical team. Prior approval from the assistance service is required.
Yes. Pack Assist provides search and rescue cover up to €20,000 per event, regardless of the number of people involved.
This benefit applies to rescue operations following an accident during a covered sporting activity, including trail running, hiking, cycling and mountain biking.
Eligible operations may include helicopter rescue, subject to the policy's limits and conditions.
Assistance services require prior approval from the assistance service.
Pack Assist offers worldwide geographical coverage, subject to the territorial exclusions and conditions specified in the policy.
The Pass Monde Premium option is mandatory for the following destinations:
To benefit from cover in these countries, Pass Monde Premium must be selected and paid for when purchasing the policy and must appear on your insurance certificate.
Without this option, claims arising in these destinations are not covered under the policy.
Certain destinations are excluded, particularly due to war, political instability or restrictions specified in the policy terms and conditions.
Pack Assist is available with daily or annual coverage to suit how frequently you practise your sport.
In both cases, benefits apply only during the period stated on your insurance certificate.
The maximum coverage period is 12 months. Cover starts on the date and at the time shown on the certificate, subject to payment of the premium.
Choose a period that matches your sporting schedule and check the covered activities and destinations before purchasing your policy.
Yes. With Pack Assist, your medical and hospital expenses may be covered up to €150,000 per person, per event following a covered sporting accident outside your country of residence.
If you are hospitalised, the assistance service may also arrange an advance payment of hospital expenses, depending on your medical situation and the policy conditions. This service can help facilitate your hospital care when the required conditions are met.
One essential step: contact the assistance service before arranging any intervention or incurring expenses covered by assistance benefits. Prior approval is mandatory for the relevant services. Expenses incurred without this approval are not reimbursed under those assistance benefits.
With Pack Assist, you benefit from insurance and assistance cover designed for sporting accidents abroad, subject to the limits and conditions of your policy.
Preparing for a 10K, half-marathon, marathon, trail race or ultra-trail? With Pack Assist, AxeoSport offers sports insurance and assistance designed for runners in the United Kingdom and abroad, subject to the policy terms and conditions.
Whether you enjoy road running, trail running, ultramarathons or skyrunning, Pack Assist provides benefits following an accident during a covered sporting activity:
Available with daily or annual cover, Pack Assist fits your running schedule, whether you are preparing for one race or several challenges throughout the year.
To benefit from assistance services, contact the assistance service and obtain prior approval before incurring the relevant expenses.
Before your race, check that your sporting activity, destination and the organiser's insurance requirements match your policy benefits.
Prepare for your next challenge with AxeoSport. Discover Pack Assist and choose cover suited to your running activities.
When preparing for a mountain trail race or ultra-trail event, it is important to check that your insurance includes benefits suited to the risks of your route, particularly search and rescue costs and medical transport.
With Pack Assist, AxeoSport offers protection for trail running and ultra-trail activities listed in the policy, in the United Kingdom and abroad.
Following an accident during a covered activity, benefits include:
Pack Assist also includes skyrunning and sky ultra activities below an altitude of 6,000 metres, subject to the policy terms and conditions.
Before travelling, check your sporting activity, altitude, destination and any conditions applying to your event.
Prepare for your mountain running challenges with Pack Assist by choosing cover suited to your activities.
Yes, Pack Assist can provide additional protection alongside insurance linked to your running club or sporting membership, depending on the cover you already have.
Running club membership or sports affiliation may include insurance benefits, but the scope and limits vary between policies. It is worth reviewing your protection before training, racing or travelling for sport.
Following an accident during a covered activity, Pack Assist includes:
Medical expense reimbursements are complementary to benefits provided by public healthcare systems and other insurers, subject to the policy limits.
Pack Assist does not replace any mandatory sporting membership, licence or insurance required by a race organiser.
Compare your existing cover with Pack Assist to choose protection suited to your running activities in the United Kingdom and abroad.
Not necessarily. Some credit cards include travel insurance and assistance benefits, but cover for marathons, trail running and ultra-trail events depends on the terms of each policy.
Before travelling abroad for a race, check whether your credit card insurance includes:
With Pack Assist, AxeoSport offers insurance for sporting activities expressly listed in the policy, including marathons, half-marathons, trail running and ultra-trail.
Benefits include up to €20,000 for search and rescue per event, €100,000 for medical transport and repatriation and €150,000 for medical expenses outside your country of residence, subject to the policy terms and conditions.
Before your next trip, compare your credit card benefits with Pack Assist to identify protection suited to your running activities in the United Kingdom and abroad.
A fall or accident during a mountain trail run may require a rescue operation, sometimes involving a helicopter. Depending on the country, location and circumstances, rescue costs may be charged to the runner.
With Pack Assist, AxeoSport provides search and rescue cover of up to €20,000 per event, including helicopter rescue, following an accident during an insured sporting activity.
This limit applies collectively to everyone involved in the same event, subject to the policy terms and conditions.
To access assistance benefits, contact the assistance service to obtain prior approval and arrange services covered by the policy.
Whether you are preparing for a trail race, ultra-trail or mountain running challenge, check your protection before setting off.
Discover Pack Assist and choose insurance suited to your running activities in the United Kingdom and abroad.
An injury during a marathon, trail race or ultra-trail abroad may lead to medical consultations, examinations or hospital treatment. Depending on your destination, these expenses can be significant.
With Pack Assist, AxeoSport provides complementary medical expense reimbursement of up to €150,000 per insured person and per event following a covered sporting accident outside your country of residence.
Within your country of residence, the limit is €15,000 per insured person and per event.
These benefits apply to eligible medical, pharmaceutical and hospital expenses resulting from a covered sporting accident. Reimbursement is complementary to public healthcare benefits and other insurance payments, subject to the policy terms and limits.
Pack Assist also provides medical transport and repatriation benefits of up to €100,000 when the policy conditions are met.
For assistance services, contact the assistance service and obtain prior approval before incurring the relevant expenses.
Before your next trip, discover Pack Assist and choose protection suited to your sporting activities and destination.
Yes, professional athletes can purchase Pack Assist insurance directly online, without waiting for an individual quotation for eligible activities and circumstances.
Whether you are a professional runner, marathon runner, triathlete or duathlete, simply select the Professional Athlete option when purchasing your policy.
The online application can take less than 2 minutes. Cover is subject to the policy terms, acceptance of your application, payment of the premium and confirmation of the option on your insurance certificate.
Pack Assist provides worldwide geographical cover, subject to territorial exclusions and the mandatory World Premium Pass for certain destinations.
No, Pack Assist does not require you to enter a particular race or sporting event before purchasing cover.
You can choose this insurance for training sessions, insured sporting activities or competitions, subject to the policy terms and conditions.
Purchase cover directly online with a daily or annual plan. Check that your sport, circumstances and activity dates meet the policy requirements.
Pack Assist is a plan within the Assure Ton Sport range, primarily designed to provide assistance following a sporting accident. Its benefits include medical expenses, search and rescue, and medical repatriation, subject to the policy terms.
Plans 1, 2 and 3 provide broader protection against the physical and financial consequences of an accident, including permanent disability and accidental death benefits, with amounts varying according to the plan selected.
Pack Assist also includes a limited accidental death benefit but does not provide the same financial protection in the event of permanent disability.
Which should you choose? If sports assistance is your main priority, Pack Assist may meet your needs. If you also require financial protection following a serious accident, compare the benefits of Plans 1, 2 and 3 before purchasing.
Pack Assist is primarily designed to provide assistance following accidents occurring during sporting activities permitted under the policy. It does not automatically cover accidents in everyday private life outside these activities.
Pack Assist offers only the Professional Athlete extension, intended for people participating in sport professionally, subject to the policy terms and conditions.
For broader, more flexible protection, AxeoSport also offers Plans 1, 2 and 3 of Assure Ton Sport insurance, with additional benefits and optional extensions depending on the plan selected:
Plans 1, 2 and 3 also offer permanent disability and accidental death benefits, with benefit amounts and conditions varying according to the plan purchased.
Looking for insurance that goes beyond your sporting activities? Explore AxeoSport's Plans 1, 2 and 3 and select the benefits and optional extensions suited to your needs before purchasing.
Pack Assist can provide cover for several sporting disciplines, provided each activity is expressly included in the policy's list of insured sports.
Eligible activities include running, trail running, cycling, mountain biking, triathlon and hiking, subject to the applicable terms and exclusions.
Important: sports not listed in Appendix 1 of the Pack Assist policy are excluded. Cover for one eligible activity does not automatically extend to another sport.
If you also take part in sports excluded from Pack Assist, explore AxeoSport's other insurance plans to find protection suited to your activities.
Yes, Pack Assist by AxeoSport is available to athletes living in Europe, including Spain, Italy, Belgium, the Netherlands and Germany, subject to the policy's eligibility requirements.
Designed for endurance sports enthusiasts, Pack Assist provides international sports accident insurance and assistance for training sessions, races and competitions involving insured activities.
Whether you are taking part in an ultra-trail race in the Italian Alps, a marathon in Spain or a mountain biking event in Belgium, the policy offers:
Geographical cover extends worldwide, subject to territorial exclusions. For the United States, Canada, Japan, Australia, New Zealand, China and Singapore, the Pass Monde Premium must be selected and paid for when taking out the policy.
All benefits are subject to the policy terms, conditions and limits. Assistance services require prior authorisation from the assistance provider.
Yes, AxeoSport Pack Assist provides international cover for insured sporting activities, including trail running, marathons, road cycling, mountain biking and triathlons, subject to the policy's territorial conditions and exclusions.
Depending on the benefits provided by your policy, the following limits apply:
Important: for the United States, Canada, Japan, Australia, New Zealand, China and Singapore, the Pass Monde Premium must be selected and paid for when taking out the policy.
Assistance services require prior authorisation from the assistance provider. All benefits are subject to the policy terms, conditions and limits.
AxeoSport Pack Assist is designed for endurance athletes looking for protection suited to their training sessions, races and competitions.
Unlike general insurance policies, whose benefits must be checked individually, Pack Assist includes:
Pack Assist is available from €4 per day or €49 per year, excluding administration fees, according to the prices provided by AxeoSport.
Muscle injuries are not automatically covered. Eligibility depends in particular on the policy definition of an accident and the applicable exclusions.
No, a single Pack Assist policy can cover several endurance sports, including trail running, ultra-trail running, marathons, road cycling, mountain biking and triathlons.
You can therefore practise several disciplines under one policy, during both training and competitions, provided the activities are listed as insured sports and the policy conditions are met.
A practical solution for athletes who combine running, cycling and triathlons throughout the year.
Yes, your campervan or converted van may qualify, regardless of its age or mileage. If a covered sporting accident or sudden illness requires your medical repatriation and leaves you unable to drive, the assistance provider may arrange a replacement driver to return your vehicle to your home, with a dedicated financial allowance, subject to the policy limits.
This benefit requires prior authorisation from the assistance provider. It is also subject to conditions, including no passenger being able to drive, the vehicle being roadworthy and the journey taking place within the geographical area specified in the policy. Fuel, tolls, accommodation and meal expenses remain your responsibility.
Yes, our policy protects adults as well as children and school pupils. However, the policyholder (the person who completes the process and pays the premium) must be an adult over 18 years of age. Please simply note that the death benefit lump sum does not apply to children who are minors.
Yes. When you request your quote, you simply need to enter your main country of residence (home address) and your country of destination so that our cover adapts to your situation.
Our Personal Accident cover policy covers more than 400 sports and thrill-seeking activities. However, certain extreme, very high-risk disciplines are strictly excluded from all our plans (such as base jumping, bungee jumping, caving or mountaineering above 6,000 metres).
Yes, motocross is a demanding discipline in which the risk of bodily injury is high. Our policy covers motocross but, as it is a motorised sport, you must be sure to select your sporting activity correctly when taking out your policy online.
IMPORTANT: When taking out your policy, you must be sure to select your sporting activity correctly from the drop-down list of sports, and not another discipline. This sport is marked with an asterisk (*) in the insurance terms and conditions, which means that it is subject to special pricing, just like all the other sports marked with an asterisk (*). Do not make any mistake, so that the validity of your cover is guaranteed!
Yes. You are covered for your sporting leisure activities, supervised or not, including on private land or a private circuit.
Golden legal rule: Your practice must strictly comply with the regulations and legislation in force (no unregulated, unauthorised or prohibited riding).
Our policy is perfectly suited to track riding. To be covered in the event of a fall on the track, you simply need to select your sporting activity correctly from the drop-down list when taking out your policy online. This activates the right Personal Accident cover for your discipline.
Yes! Trackdays (days of free track riding for leisure) are fully covered. To this end, make sure you select your sporting activity correctly in our search engine when requesting your quote, so as to obtain the appropriate price and cover.
Almost never. Standard road insurance policies systematically exclude riding on a circuit, or only cover your Civil Liability (damage caused to others). They do not reimburse your own injuries in the event of a fall. That is why you should take out our Personal Accident cover policy, making sure you select your sporting activity correctly when taking out your policy.
The Air Sports cover brings together disciplines practised in the air, which are excluded from almost all standard insurance policies. At AxeoSport, they are available through our most comprehensive plan, which gives access to every sport in the policy.
The disciplines covered include:
Some of these disciplines are marked with a double asterisk (**) in the terms and conditions: they are subject to specific pricing and require an additional declaration when you take out the policy. Remember to select your exact discipline from the drop-down list when requesting your quote.
Please note: base jumping remains strictly excluded from all our plans. If your activity does not appear in the list, contact us before taking out cover.
Paragliding is covered by AxeoSport through the plan that includes Air Sports. You then benefit from the same cover as for any other discipline: reimbursement of the medical expenses left payable by you, a lump sum in the event of permanent disability or death, medical repatriation, and above all search and rescue cover up to 50,000€ — an essential point in paragliding, where a helicopter evacuation after landing in difficult terrain can be very expensive.
Adaptive paragliding and speed riding are covered on the same basis. Tandem, school and solo flying are all taken into account, provided you comply with the regulations in force.
If you take part in an event with a ranking (distance or accuracy competition), the Competition option is mandatory.
Yes. Skydiving is one of the disciplines available through the plan that includes Air Sports, whereas it is systematically excluded from bank card insurance and from most travel policies.
Whether you jump tandem on a first jump, on an AFF course or as an experienced solo jumper, your injuries are covered: additional medical expenses, hospitalisation, disability lump sum, repatriation.
Skydiving is marked with a double asterisk (**) in our terms and conditions: it is subject to specific pricing and to an additional declaration when you take out the policy. Select it precisely from the list of sports so that your cover is valid.
Not to be confused with base jumping, which remains strictly excluded from all our plans.
Yes. Microlights (ULM), paramotors, powered flight, gliding and hang gliding are all part of the AxeoSport Air Sports cover.
This is Personal Accident cover: it covers your own injuries in the event of a fall or accident, as well as your repatriation and search and rescue costs. It does not replace the compulsory aircraft insurance or the aviation third-party liability cover, which are the responsibility of the aircraft owner or of your flying club.
As these disciplines are subject to specific pricing, make sure you select yours from the drop-down list when requesting your quote, so that the policy matches the real risk of your activity.
Yes, and this is a common source of confusion. Although they are practised on water or on snow, kitesurfing and snowkiting are classified as Air Sports, because it is the kite that generates the traction and the risk of involuntary flight.
In practical terms, a plan limited to the basic sports is not enough: you must choose the plan that includes Air Sports in order to be genuinely covered.
Good to know: if you get into difficulty offshore, the search and rescue cover pays for the towing of your drifting equipment up to a limit of 1,200€, in addition to search costs of up to 50,000€.
Yes. Hot-air ballooning, aerostation, zip lining, highlining, kite flying and model aircraft are all attached to the Air Sports category, even when it is a one-off leisure activity during your holiday.
This is worth checking before booking a balloon flight or a treetop adventure day: your usual travel insurance, or the cover provided with your bank card, will very probably exclude these activities, whereas a fall from a platform or a hard landing in a basket can cause serious injury.
By choosing the most comprehensive plan, you automatically benefit from the cover of the lower categories: you therefore remain covered for all your other sports during the same trip.
We offer comprehensive cover for alpine skiing, snowboarding, heliskiing and freeriding. Please note: off-piste skiing is covered, unless you ski while the local authorities have issued an avalanche warning bulletin of level 3 to 5.
Yes, absolutely. Our assistance cover includes search and rescue costs, including recovery operations (helicopter included), up to 50,000€ per event.
It covers the costs charged by rescue teams to locate you and evacuate you to the nearest hospital (up to 50,000€). If the operation involves towing your drifting board or water sports equipment (surfboard, sailboard, jet ski, kitesurf), the dedicated allowance is capped at 1,200€.
Scuba diving is fully covered under our standard plan. It covers your search costs at sea, your medical expenses and your repatriation in the event of an accident.
Yes, our medical assistance provider arranges and covers your transfer to, and access to, a hyperbaric chamber if your medical condition requires it.
Yes, you are protected worldwide (excluding countries in a state of war or of geopolitical instability) throughout your stay and your outward and return journeys.
Yes, it is mandatory as soon as you take part in an official event organised by a federation, or in any meeting involving a ranking, timing, or the awarding of prizes/bonuses (marathons, tournaments, matches, regattas, etc.).
Our assistance provider takes care of everything directly: we settle your hospital costs on site with the facility, without any upfront payment of costs on your part. In addition, if your hospital stay exceeds 7 days, we pay for the return ticket of a relative to come to your bedside, as well as their hotel costs (up to 150€ per night, with a maximum of 1,500€).
No, it is optional but very useful. It reimburses your non-recoverable trip costs (lift passes, hotels, courses) if a serious sports accident or a death prevents you from travelling. It must be taken out on the day of booking or within the following 15 days at the latest.
Yes, our cover applies worldwide (in the destination country stated on the certificate). Please note: countries in a state of war, affected by riots or subject to official travel restrictions are excluded. Our "Europe" coverage area, for its part, excludes Ukraine, Belarus, Moldova as well as the French overseas departments and territories (DOM-TOM).
Standard travel insurance policies (or those provided with your bank cards) exclude the majority of sports considered to be high-risk, extreme, motorized or airborne. AxeoSport was created specifically to cover you during your effort where the others stop, provided that you correctly select your sporting activity when taking out the policy.
Immediately contact our medical assistance centre, available 24/7, on the telephone number shown on your membership certificate or on your assistance card (quoting the agreement or convention number indicated on your card).
Let the local rescue authorities organize the helicopter evacuation (our assistance service cannot take the place of the local emergency services). Contact us as soon as possible to open your file. Carefully keep the original itemized invoice for the search and rescue costs issued by the authorities in order to obtain your reimbursement (up to 50,000€).
Our insurance policy draws a clear distinction between emergency assistance services and insurance benefits:
Depending on the case: your treatment forms and statements from French social security (Sécurité sociale)/your complementary health insurer (medical expenses); the original itemized invoice from the rescue teams (search and rescue); the rental invoice and proof of breakage (equipment damage); or the receipt of the police report (theft of luggage).
Premium refunds (cooling-off period) are paid within 30 days. As for the other settlements and reimbursements of medical expenses, they are processed immediately after your complete file has been validated by our claims handlers and our medical adviser.
