Short answer: 4 of the 9 insurers have answered so far. Their answers differ most on sparring and fights: one covers sparring with no add-on, another stops at pad work, and only one says it covers organised fights.
What we asked
On 28 October 2026 we emailed the same five questions to each insurer: is training covered, including full-contact sparring? Is an unpaid amateur fight covered? Does a small purse make you a professional? Is MMA different? Is there a separate limit for sports injuries, and is a medical flight home covered?
Their answers
| Insurer | Training and sparring | Amateur fights | Paid fights | MMA and limits |
|---|---|---|---|---|
| Genki | Covered, including full-contact sparring, with no add-on | Can't confirm in general; judged case by case at claim time | "Professional sports aren't covered"; a one-off purse isn't addressed | MMA: same answers. No separate sports limit within the €1,000,000 overall limit |
| SafetyWing | Only with the Adventure Sports add-on | Excluded if "professional/organized", and no "intention to compete" | "Paid fights are excluded" | MMA: same answers. Up to $100,000 in your lifetime with the add-on |
| Big Cat | With the activity pack, for "mat / padwork"; not heavy sparring | Excluded ("any kind of bout") | Excluded ("any kind of bout") | Normal policy limits apply |
| SportsCover Direct | Covered | Covered | Email says "paid or not", but its quote form excludes professionals | No separate sports limit; 10M for medical and repatriation |
Short quotes are their words; the rest is our summary. Each answer applies to the plan we asked about, on the date they replied.
What stands out
- "Covered" often stops at the gym. Genki covers full-contact sparring but can't confirm organised fights in advance, and Big Cat's cover ends at pad work.
- Sales answers and paperwork can disagree. SportsCover Direct's email says it covers fights "paid or not", while its quote form excludes professional sportspeople. If you're taking a purse, get it confirmed on your policy.
- Add-ons can carry their own limits. SafetyWing told us its limit with the Adventure Sports add-on is up to $100,000 in your lifetime.
Still waiting
TuGo, DOGTAG, ActivitySure, ACS and PAX Assistance hadn't given an answer when we last checked, a day after we wrote. We'll add replies here as they come in.
Their answers feed the finder and our plan list. Read your own policy too: a written answer helps, but the policy is what a claim is judged on. General information, not financial advice.