Navigation
help title
help text help button
Sports Injury Insurance: Protection for Active Lifestyles
Standard health insurance often excludes coverage for amateur sports. Whether you are into running, skiing, or tennis, you need a policy that views sport as a lifestyle rather than an added risk. We provide solutions with full coverage for traumatology, MRI scans, and rehabilitation with zero red tape.
Best For
Perfect for runners, triathletes, skiers, and fitness enthusiasts. Covers both emergency care and planned recovery.
Pricing
Comprehensive plans start at €52 per month. The rate is fixed for the year and does not increase if you file a claim.
Turnaround
Setup takes 15 minutes. Access to Spain’s top sports medicine clinics is activated immediately upon payment.
In 2026, insurance providers have stricter definitions for professional versus amateur sports. To ensure your policy pays out after a fall on the slopes or a ligament tear, it must meet these criteria:
- Explicit inclusion of the “Amateur Sports Accidents” option in the contract.
- Direct access to specialized high-end sports medicine centers.
- No caps on the number of physical therapy and rehabilitation sessions.
- Full coverage for advanced diagnostics like 3D scans and MRIs without waiting lists.
Tools for solving this problem
DKV Seguros
DKV Integral Élite — Premium Health Insurance in Spain
- Unlimited access to the best traumatologists in Spain.
- Full coverage for hospital stays and surgeries resulting from accidents.
- No co-payments for consultations or recovery treatments.
DKV Mundisalud
DKV Mundisalud — International Health Insurance with Worldwide Coverage
- Freedom to choose any doctor or hospital worldwide.
- Reimbursement of up to 90% of expenses for out-of-network care.
- Premium concierge service with priority booking for diagnostic tests.
Мнение агента Double-check that post-traumatic rehabilitation is included in full. Many basic policies only pay for the initial ER visit but leave the client to fund their own recovery. In 2026, we recommend plans with unlimited physiotherapy, as the cost of a private session in Spain now exceeds €60.
Michael G., Insurance Expert