Rugby Travel Insurance FAQs

Buying rugby cover

1. How do I add rugby cover when buying online? 

On the rugby pages, rugby is added automatically as an activity when you get a quote. Please click here for the Rugby insurance pages :

• Rugby Training
• Rugby Tour 
• Rugby Amateur Tournament
• Beach Rugby 

If you are on the Home Page Quote Form then you need to add Rugby as an activity below the quote form  

2. How do I buy rugby insurance for a whole team or group? 

It's simpler than it looks: Click Here 

• Enter your trip details
• The number of travellers
• then each traveller's date of birth (If you don't have them all to hand, enter one traveller's date of birth
• Get the quote
• Multiply the individual premium by the number of players (this works as a guide where players are a similar age). 
• Or just email your trip dates, destination and number of travellers to support@jsinsurance.co.uk and we'll quote it for you.

We will send you a sheet such as this 

https://docs.google.com/spreadsheets/d/1Wi7VSxUVCIqSrGnZMBhk3zbwxBHTra9nfw1zDuC35eo/edit?usp=sharing

3. Does the Silver / Gold / Platinum / JS / policy cover rugby?

 If you select Rugby during the quote, Silver, Gold and Platinum all cover it, with Emergency Medical & Repatriation up to £5,000,000 covering injuries and accidents on and off the field. The medical excess differs by level — £500 on Silver, £100 on Gold, and nil on Platinum.

4. Does a long-stay, gap-year or backpacker policy cover rugby?

 Yes — our Longstay & Gap Year policy can cover rugby, including amateur matches, rugby union, rugby league and training. Rugby is an Activity Pack 2 activity, so it's added for an additional premium and must be shown on your Schedule of Insurance. 

This suits players going to New Zealand, South Africa and Australia for playing in their season 

This policy is designed for longer trips of 30 days or more, with Emergency Medical & Repatriation up to £5,000,000 on the Longstay and Longstay PLUS levels (£2,000,000 on Standard). Get a Quote

5. What activity loading is rugby under for insurance purposes? 

Rugby amateur tour / tournament and league is covered under Level 3. 

Beach rugby tournament is covered under Level 2 - Get a Quote

6. Can I add rugby to my existing travel insurance? 

Yes — if you hold a JS policy, contact us by email, chat or phone ( 0800 043 0020 )  and we can add it, subject to an additional premium.

If you do not have a JS Policy we can still add it. Please contact us 

7. Can you get rugby covered under an Annual Policy? 

Yes — our annual policies can cover rugby, with a maximum trip length of 31 days per trip and unlimited days training and playing Rugby within each trip.

Choose Annual on the Policy type Required field and make sure rugby is added as your Activity. 

8. If I already have separate annual travel insurance, can I buy cover only for the days I'm playing rugby? 

Yes — you can cover just your playing days through our provider Adventures. 

Please note:  it often works out to be a lower premium to cover your whole trip (from when you leave home to when you return to the UK) via JS, though. Get a Quote

9. Could this go in the rugby club name? 

Yes — you can put the rugby club name in the address field of the policy. This is common for club, school and team Rugby trips. 

10. Where can I find rugby cover details in the policy documents? 

Rugby should be shown under the activities section of your policy certificate.

It will also show in the Activity list attached to your quote and policy packs.

Who and what we can cover

1. Do you cover children under 18 on their own for rugby travel insurance? 

Yes — this is in fact our most popular age category; we provide policies for under-18s travelling abroad for rugby tours and tournaments. They must be travelling with a insured responsible adult(s) aged 21 or over (this adult(s) doesn't need to be insured by us).

And the ratio of adults to children cannot be less than 1 to 10. 

2. Does your rugby cover schools, groups, clubs and university rugby trips? 

Yes — we can cover all group types, whether schools, clubs or universities. No group is too large.

3. Do you cover supporters, parents or coaches who aren't playing? 

Yes — anyone travelling who isn't taking part in the rugby still needs to be insured for the trip, but doesn't need the rugby activity added to their cover. 

If you'll be actively coaching on the pitch rather than just watching, call us on 0800 043 0020 so we set the cover up correctly.

4. Can you cover me if I don't live in the UK? 

Our policies are for residents of the UK and the Channel Islands. If you live elsewhere — for example the Republic of Ireland — you won't be eligible for a JS policy; contact us, and we'll see whether another provider can help.

5. Do you cover rugby insurance for professionals? 

No — we don't provide cover for professional rugby on the JS policy. We can cover rugby scholarships in a learning environment where you're not being paid to compete, not receiving sponsorship or prize money, and not being paid to study. 

Professional means anyone being paid to compete, or receiving any sponsorship or prize money. 

Email support@jsinsurance.co.uk if you are getting paid to play and we may be able to cover you via a different provider.

6. Can you provide rugby insurance if I have a medical condition? 

Yes. If your condition is on our accepted list of medical conditions which are also on (pages 8–9 of the JS policy wording), you're covered for the listed condition provided you meet the terms and conditions. 

If your condition falls outside that list, we can arrange cover through our provider, Adventures. 

7. Can you provide rugby insurance if I have had an injury? 

Yes — our provider Adventures offers rugby cover including previous injuries; you'll need to declare them during medical screening. 

Email Or call us on 0800 043 0020 and we'll be happy to help. 

Or Get a Quote HERE 

What's covered while you play

1. What is the medical cover for rugby insurance? 

Up to £5,000,000 for Emergency Medical & Repatriation back to the UK for rugby-related injuries or emergencies while taking part, and it also covers off-the-field injuries. The medical excess varies by level (£500 Silver / £100 Gold / Nil Platinum).

2. Does your rugby insurance cover injuries whilst playing? 

Yes — injuries on and off the pitch are covered, with Emergency Medical & Repatriation up to £5,000,000 (excess varies by level).

3. Is there personal liability cover when playing rugby? 

Partially. The policy includes personal liability (Gold and Platinum, up to £2,000,000) but excludes 

-any liability to another player, participant, team member or opposing team member — so claims between players are never covered, on or off the pitch. 

Liability to a spectator or member of the public generally remains covered, provided rugby is shown as your Insured Activity. 

If you play for a club affiliated to the RFU, WRU or SRU, your union arranges liability insurance that typically covers player-to-player claims during club rugby; on overseas tours this is generally conditional on the tour having union approval, and cover terms vary — check the current position with your union or its broker before travelling. Non-affiliated and scratch teams have no union cover at all.

4. Is Personal Accident cover included when playing rugby? (And what actually is it?)

Don't worry — if you get injured playing rugby abroad, your medical bills and getting you home are covered, up to £5,000,000. That's the Emergency Medical section, and it's the cover most people mean when they ask about accidents.

Personal Accident is something different. It's a one-off cash payout — not treatment — made only after the very worst outcomes: death, loss of a limb or sight, or permanent disablement. On our policies, that payout doesn't apply to injuries from playing rugby. Your club's RFU, WRU or SRU insurance is designed to fill exactly that gap — the unions provide their own payouts for serious playing injuries.

In short: hurt playing rugby — we cover your treatment. Life-changing playing injury — the payout side comes from your union. Serious accident away from the rugby — Personal Accident on this policy still applies.

5. Does personal liability cover non-playing companions on a rugby tour? 

Yes — if you're not taking part in the rugby, you're covered for personal liability. (Personal liability applies on Gold and Platinum, up to £2,000,000; Silver doesn't include personal liability.)

6. Does the cover only apply to the days I play rugby? 

No — for the policy to be valid, we cover you from when you leave your home in the UK to when you return home.

We do have a Policy which will actually cover you just for the days you are playing Rugby but it actually works out more expensive. 

7. Does your rugby insurance cover the sole purpose of the trip being rugby? 

Yes it does cover Rugby as the “sole purpose of your trip”. 

8. Is the insurance cover accepted by the RFU? 

Our rugby cover is travel insurance — it provides emergency medical, repatriation and the other policy benefits for rugby tours and tournaments. 

If your tour or tournament organiser asks for a specific type or level of cover, check what they require and we'll confirm whether our policy meets it — call us on 0800 043 0020.

Types of rugby we cover

1. Are amateur rugby tournaments and competitions covered? 

Yes — we cover amateur rugby tournaments and competitions in the UK, Europe and worldwide. Get a Quote 

2. Do you cover rugby tours (UK / Europe / Worldwide)? 

Yes — we cover rugby tours in the UK, Europe and worldwide.

3. Does JS cover Rugby Tours and tournaments within the UK?

Yes it does as long as it is at least 2 days and nights away and you have pre-booked accommodation. Note: the medical cover NHS only but there is cover for cancellation and curtailment.  

We can also cover one-off events through another broker if you require.

4. Does the policy cover rugby sevens? 

Yes — we cover rugby sevens, whether it's a tour or a tournament.This can be booked on all the Rugby pages 

5. Do you cover rugby training? 

Yes — a rugby tournament policy covers both training and competition.

6. Are friendly and recreational rugby games covered, or only tournaments? 

Yes all of the above : a rugby policy covers training and matches, whether they're competitive tournament games or friendly, recreational fixtures, as long as rugby is shown on your certificate.

7. Do you cover rugby league? 

Yes — we cover rugby league, including competitions. 

8. Does your insurance cover rugby festivals? 

Yes — we cover rugby festivals, tours and tournaments across the UK, Europe and worldwide.

9. Does the policy cover beach rugby?

If beach rugby is listed under the activities section of your certificate, you're covered for it. If it isn't, contact us and we can add it, subject to an additional premium. 

Looking to buy cover for beach rugby? Get a Quote

10. Do you offer specific insurance for walking rugby?

Yes — we can cover walking rugby and touch rugby. Get a quote on the main Rugby Page 

11. Do you cover mixed-ability rugby insurance? 

Yes — we cover mixed-ability rugby. Get a quote on the main Rugby Page 

12. Can you confirm that we can cover football and other sports as well as rugby? 

Yes — if you get a quote for rugby, you'll also be covered for football. If you're playing other sports too, add them during the quote so each is shown on your certificate.

All activities In Activity level 3 you're covered for as well as Activity level 1 and 2.

13. What is the best way to get travel insurance for multiple people when only one person is participating in a specific activity (e.g., rugby)?

Buy 2 policies, one for the players and one for the non-players. For the players on this page and for the non-players on our website Home Page www.jsinsurance.co.uk

14. If it was fundraised as a team and the rugby club paid for the trip then would this be covered?

Yes it would as long as the players are amateurs and not being paid.

15. How does this policy's cover for rugby injuries and tournaments compare to a standard bank-provided travel policy?

Standard Bank policies often do not cover rugby as sole purpose of trip or amateur sports competitions such as rugby

16. Is 'rugby amateur sports' the same as 'rugby tours' for coverage purposes?

Yes, it is as the loading is the same, you will be covered for both irrespective of which activity you are doing