Need a helping hand with Tough Mudder insurance?
We can probably help. Dogtag has become the default insurer for all sorts of extreme endurance events from the Marathon des Sables to last minute Christmas shopping and we've been doing it for years.
By and large, the issues that customers ask us about are pretty-much the same for every endurance event so please have a read at this, we think we've got most of them ... ehm, covered.
Bear with us here and take the time to read through this, there's quite a lot of stuff but it'll help you make the right decisions about cover and save you a few phone or email conversations - not that we don't want to answer them...
OK, let's get started
Dogtag is now the UK's largest provider of travel insurance for Extreme endurance events including ultra marathon running and crazy events like Tough Mudder.
By and large, Dogtag is able to cover these events provided you are an official entrant in an event organised by the appropriate official body and attended by the oraniser's support crew. Tough Mudder, although relatively new on the scene, is becoming a regular for us and many of the competitors each year will be covered by Dogtag. We would like to be the ones who provide you with travel insurance for your Tough Mudder adventure but because we get asked the same questions over and over, bear with us and we'll try and answer them here.
Extreme Sports cover
Understandably, 'extreme' endurance events such as Tough Mudder, Iron Man and ultra marathns are classed as such by our underwriters. Since there are really two levels of 'Mudder': Tough Mudder and World's Toughest Mudder, the latter being more extreme than the former, they require different levels of cover:
- for any standard Tough Mudder event, wherever it is on the globe, you must choose EXTREME in order to cover yourself.
- for World's Toughest Mudder, you will need to choose EXTREME+. Check your policy small print HERE.
There is a sport selector and the system should help you to choose the correct level of cover for your event as you go through the quote process. Type in 'Toough Mudder' and it will throw up both Tough Mudder and World's Toughest Mudder, simply select the one you need. However, be aware, it is your responsibility to choose the correct cover level.
If your event is an arctic marathon or similar and any part of the event includes the use of winter sports equipment such as snow shoes, skis or sleds then you must also select the Winter Sports cover upgrade.
Injury and Cancellation Cover.
One element of concern for entrants in extreme marathons is whether the acquisition of an injury which forces you to cancel competing in the event would be elligible for a claim under the cancellation cover elements of your Dogtag policy.
Cancellation claim elligibility is down to the actual reason for cancellation so let's be a little bit clearer than other insurers about this. By the way, most insurers will simply say, 'Look, just because you sprained your ankle and can't run, doesn't mean you can't fly to Timbuktu and go shopping...' or something like that. We take a difference stance on this.
Let's deal with fitness and entry qualifications for an ultra marathon. Not being fit enough to pass the fitness entry test, i.e. being lazy or not training enough or just not up to it in the first place will not be covered under cancellation because you will still be "fit" to travel. And you probably knew you weren't going to make the grade anyway...
However, if you do get injured before you travel and are therefore unable to run, (read the bit below about pre-existing ailments) this would be covered. Claims handlers may ask for some kind of affidavit from a medic to the effect that the injury specifically prevents you from taking part and, of course, an injury that was nagging you before you bought your cover may not be covered under the cancellation elements of your policy. Let's look at that...
Level of Cancellation Cover
We have three levels of cover: BASE, PRO and MAX. These offer varying levels of compensation in the event of a claim. Base is lower, Max is higher. When you're booking travel insurance you should look at the amount of cover you need in the event of a claim. If you're concerned about cancellation cover then you need to match your cover level to the outlay for your trip. We know that the likes of Tough Mudder entry fees can run to over £4k and there are additional costs such as air fares and hotels so please have a look at the cover summary table on our Cover page to see which best suits your needs.
When does cancellation cover start?
If you buy a Single Trip policy for a trip happening next April, the Travel portion of cover starts when you leave the door in April but the Cancellation portion of cover starts immediately you buy the policy. In short, if you buy in November, your Cancellation cover starts in November.
If you go for an Annual Multi-trip policy and want the cancellation cover to start now, you have to make the start date of the policy now. You can't buy an Annual Multi-trip policy more than 62 days in advance.
However, AMT policies are much better value if you're traveling abroad more than once or twice in the year.
What if I have a pre-existing medical condition?
You mean one that isn't nagging you? If you have a pre-existing medical condition that does not normally prevent you from running you can still be covered. This could be something like asthma but it could also include say, a lower limb injury but one that has long-ago healed and you're fit to go.
At all events, in order to be properly and formally covered for anything related to or stemming from these pre-existing ailments it is necessary to go through our Medical Screening service. This is available on 0800 0 364824. It's an easy process and the small amount of extra premium (if there is one) is offset by the peace of mind it delivers. A cancellation due to a pre-existing injury that flares up but which you haven't declared to our medical screening service would not be covered.
What else? Well, we know that you'll probably not even be fantasising about going in for a Tough Mudder if you're a cardiovascular basket case but the sort of things that need to be screened are the likes of: ever having had any heart conditions, cancers, diabetes, strokes, breathing conditions and/or any hospital admissions or procedures in the last 2 years. 'Procedures' would include an injury that has say, been treated by, or referred to a physiotherapist but which has now healed. Underwriters still want to know about it and you'll want it covered, just in case - after all you're making a big investment here in training and cash - plus you may have other in your team dependent upon you..
Any Questions Soldier!?
We think we've covered most of it here but if you have any doubt about cover for a Tough Mudder please contact us in the first instance by email - we try to answer queries the same day and it may save you a wait on the phone listening to 1970s elevator music.
If you do need to discuss something (and we'll guess it'll be injury-related), just dial 0800 0 364824, that's our sales desk, it's in the UK and your call will be taken by a very experienced, English-speaking insurance professional.
Best of luck with your training.
The Dogtag Team
You can find some other useful information regarding sports that we cover in our Sports Information Library.
The DOGTAG Team
p.s. if you think this information was useful, why not recommend it to a friend using one of the links below.