Our verdict
Yellow Jersey Sports Travel names Muay Thai, MMA and cage fighting in Sports Activity Pack 4, with high limits (£10 million for medical costs and repatriation) and full travel cover. It suits UK residents going to a recognised camp for a single trip, especially anyone who may fight as an amateur: Muay Thai is not marked with the policy's “no cover in competitions” condition. It is expensive for a month, and it is not for non-UK residents. If you earn money from fighting, check the professional definition below before buying.
What it covers for combat sports
The deciding texts are the activity list and the policy wording (Sports Travel Version 4.1, 02/02/2026). Pack 4 lists Muay Thai (3)
, Mixed Martial Arts (MMA) (3)
and Cage fighting (3)
. Condition 3: There is NO cover unless the activity is taking place within organised guidelines and as part of an organised activity led or instructed by professional guides or licensed organisers
. Condition 5 (no cover when racing or while taking part in a competition
) is not attached to these sports.
| Activity | Our status | What decides it |
|---|---|---|
| Training | Needs add-on | Muay Thai is in Pack 4 only; it must be on your schedule. Training must be organised and led by a licensed organiser or instructor (condition 3). |
| Sparring | Ask insurer first | Sparring is not mentioned. Muay Thai is listed without a no-contact limit, but ask Yellow Jersey to confirm in writing. |
| Amateur fights | Ask insurer first | Pack 4 does not attach the competition exclusion to Muay Thai, and Yellow Jersey sells cover for organised competitions. Declare the event and get written confirmation. |
| Paid fights | Ask insurer first | Professional sport is excluded. A professional earns over £5,000 a year from sport, competes at professional grade, has a paid contract or sponsorship. It does not include people taking part at amateur or semi-professional levels. |
| MMA | Needs add-on | Mixed Martial Arts (MMA) (3)and Cage fighting (3)are in Pack 4, same conditions as Muay Thai. Amateur boxing, BJJ and kickboxing are in Pack 3. |
Price, limits and excess
Price. £331.48 for a 30-day trip at age 30, with Activity Pack 4 and £1,500 of cancellation cover, from Yellow Jersey's own quote form on 27 Oct 2026. Your price depends on age, dates, destination area and options.
Limits. Emergency medical & other expenses (incl. dental, sports equipment, repatriation)
: £10 million. Cover includes ambulance (including air ambulance where necessary)
. The product page shows medical and repatriation as two £10 million lines, but the wording treats them as one section.
Excess. £90 per claim (£250 for public liability). You can pay extra to Remove the excess from your policy
.
Pre-existing conditions. Not covered for medical claims unless Yellow Jersey agrees, or the condition is on its “Accepted conditions” list. The definition includes any condition you had surgery or hospital investigation for in the last 12 months, or take prescribed medication for.
Who can buy it
Only people who are legally resident in the United Kingdom
(an address you live in for at least 183 days a year), aged 75 or under, and registered with a UK doctor or entitled to UK public healthcare. Our data also lists the Isle of Man and Channel Islands. You must follow FCDO travel advice. Non-UK residents can't buy it.
Claims in Thailand
- Hospital: call Healix, the 24-hour assistance service, as soon as possible if you will or might be admitted, or have hospital treatment: +44 (0)20 8608 4227, internationalhealthcare@healix.com. The wording says that if you don't tell them,
we might not guarantee medical expenses
. Healix must agree any air travel beforehand. - Small bills: for outpatient treatment under £200, pay yourself and claim back.
- How to claim: log in to the Yellow Jersey customer portal, choose “Start a Claim” under your sports travel policy. Phone +44 (0)333 003 0046 if stuck.
- Documents: receipts and itemised invoices, the medical report, and your schedule showing Pack 4. Keep proof the session was run by the gym or camp (a booking or membership receipt), since cover depends on organised, instructed training.
Pros and cons
Pros
- Muay Thai, MMA and cage fighting named in the wording's activity list.
- Competitions not excluded for these sports.
- £10 million medical and repatriation limit.
- Full travel cover: cancellation, baggage, liability.
- Professional is clearly defined; semi-pro is not excluded.
Cons
- UK residents only.
- Highest price of the five plans we review here for a month.
- Sparring not mentioned.
- Training must be organised and instructed.
- Trustpilot 4.1 from 316 reviews, mostly cycle insurance customers.
Sources
All checked on 28 Oct 2026 unless marked. Policies change: read the wording you are sent before you pay.
- Yellow Jersey Sports Travel policy wording, Version 4.1, 02/02/2026 (PDF)
- Yellow Jersey: Sports activities covered by this policy (PDF)
- Yellow Jersey sports travel insurance page
- Trustpilot: Yellow Jersey (checked 27 Oct 2026)
- Price: Yellow Jersey online quote, 27 Oct 2026 (our research file).
Compare it with other plans
See how Yellow Jersey ranks against the other plans you can buy from your country, for training, amateur fights or paid fights.
General information, not financial advice.