If you’re an avid cyclist, runner, or outdoor enthusiast, you probably already rely on activity tracking software or a fitness device to monitor your progress. But beyond recording your workouts and routes, many users don’t realize that these platforms may also offer valuable insurance coverage that could come in handy if your activity takes an unexpected turn.

Fitness Apps and Devices Offer Hidden Insurance Benefits 

Some popular activity tracking apps offer insurance benefits to subscribers. These can include:

Reimbursement for Damaged Devices

If your fitness device was damaged during a tracked activity, you might be eligible for a partial reimbursement for repair or replacement.

Transportation Costs

If you’re stranded due to an injury or accident while using the app, your subscription may cover transportation expenses.

Race Entry Refunds

If you missed a race due to illness or injury, you may be able to claim reimbursement for the cost of your entry fee.

We encourage you to review the terms of your fitness app or device policy carefully, as you may be entitled to benefits you were not previously aware of. Be mindful that coverage may be subject to specific conditions, including time limits for submitting a claim and required documentation. Details of fitness app or device policies can usually be found on the company’s website. 

Some fitness apps also offer optional add-on insurance, which can include bicycle insurance for property damage, or medical benefits for out-of-pocket expenses resulting from an accident. Fitness apps usually partner with third-party insurance providers or even offer discounts on bike-specific insurance policies.

Fitness hardware companies like Garmin have taken it a step further by offering add-on insurance coverage for search and rescue, and benefits for accidental death and dismemberment. These types of benefits can be essential for a variety of outdoor activities or even higher-risk solo activities in remote areas.

Don’t Overlook Your Personal Insurance Options

Keep in mind: the coverage provided through fitness apps or devices is typically limited and may not cover major medical expenses or personal liability. It’s meant to complement – not replace – your primary insurance coverage.

If you’re not covered through an app or device, your personal insurance provider may also offer additional options such as bicycle insurance and roadside assistance for bicycles. 

Even if you already have health or homeowners’ insurance, it’s worth asking your provider if they offer specialized policies for people with active lifestyles.

Have You Been Involved in an Activity-Related Incident?

If you’ve experienced an injury, gear damage, or other incident during a tracked activity, or while participating in a sport using your fitness device, you may have insurance coverage you didn’t know about.

If you’re unsure whether you’re eligible for a reimbursement or benefit through your subscription or device, we’re here to help you understand your rights and explore your options. 

Please text 613-777-0992 or contact us through our website to schedule a meeting with one of our lawyers. We provide a free consultation, in French or English, to inform you of your rights.