Short answer: sometimes. Of the 124 plans we checked, only 4 clearly cover Muay Thai training and sparring, 2 of them with a named add-on. Another 50 probably do, but not clearly enough to rely on. 34 exclude it, 12 limit it, for example to training without contact, and 24 don't say.
Plans that clearly cover training
| Plan | Who can buy | Status | What it says |
|---|---|---|---|
| Genki Traveler | Any country may apply; sanctions and home-country rules apply | Covered | Full-contact sparring and friendly fights covered, confirmed in writing |
| SportsCover Direct Muay Thai Sports Travel | UK residents only | Covered | SportsCover Direct confirmed in writing that all training is covered |
| PAX Assistance Travel Assistance + Extreme Sports upgrade | Residence acceptance confirmed at quote; regional sites aren't proof | With add-on | Extreme Sports upgrade names full-contact Muay Thai; confirm your camp |
| Yellow Jersey Sports Travel + Sports Activity Pack 4 | UK, Isle of Man and Channel Islands residents (183+ days a year) with UK healthcare access | With add-on | Muay Thai and MMA named in Activity Pack 4; organised instruction required |
What to look for in the wording
Standard policies usually group Muay Thai with "contact sports" or "martial arts", which are often excluded or need an activity pack. Look for the words Muay Thai, Thai boxing, kickboxing or martial arts in the sports list, and check which pack they sit in.
Sparring is the usual gap. Many policies cover "martial arts training" or "non-contact martial arts" and say nothing about it, so ask the insurer in writing whether full-contact sparring at a gym or camp is covered, and keep the reply. Check your own policy wording.
Cover also depends on where you live, because most insurers only sell to certain countries. Find the plans you can buy.
Source: our review of 124 plans and insurers' written answers. How we check plans. General information, not financial advice.