Short answer: check MMA separately. 10 of the 124 plans we checked treat MMA differently from Muay Thai, and most of those exclude it. BJJ and boxing are usually listed separately again, so check each discipline you'll train.
Plans that treat MMA differently
| Plan | Who can buy | What it says about MMA |
|---|---|---|
| SportsCover Direct Muay Thai Sports Travel | UK residents only | Muay Thai only; MMA not covered |
| JS Insurance Martial Arts Training | UK market; check residence wording before buying | MMA not confirmed; excluded from JS competition cover |
| JS Insurance Martial Arts Amateur Competition | UK market; check residence wording before buying | MMA and cage fighting excluded |
| TuGo Emergency Medical + Sports & Activities | Canadian residents; buy the outbound product, not Visitors to Canada | MMA named in add-on; Muay Thai needs confirmation |
| If Travel insurance + Urheiluturva sports extension | Finnish residents; If customer requirements apply | MMA excluded from If's combat sports class |
| Generali Z myślą o podróży + High-risk sports | Polish market; foreign residents accepted conditionally | MMA explicitly excluded |
| IMG Patriot International Lite | International product; residence and state versions not checked | MMA excluded as an extreme sport |
| DOGTAG Sport+ (training) / Extreme+ (amateur fights) | UK-facing; check residence terms in current wording | MMA not named in activity list |
| Voyager Travel Insurance Voyager Plus + Action Plus | UK, Channel Islands, Isle of Man and 12 listed EU countries | MMA is expressly excluded |
| Fennia Travel insurance + separate sports agreement | Finnish residents eligible for Fennia insurance | MMA cannot be insured, even by agreement |
Plans not listed here make no distinction in the wording we read, which isn't the same as cover. Find the plans you can buy, then ask the insurer in writing about MMA.
Source: our review of 124 plans and insurers' written answers. How we check plans. General information, not financial advice.