Experience Protection Insurance
With experience protection insurance, your clients can feel confident knowing that if they’re unable to attend an event they may have protection.
Why Arch Insurance Experience Protection?
Planning for an experience should be exciting, but tickets, registration fees, and season commitments may be costly, and refunds or
exchanges are limited or often not available. With experience protection insurance, your clients can feel confident knowing that if they’re unable to attend an event they may have protection.
Sample Scenario*
Concert Plans Canceled
by Accidental Fall
For months, Jordan had saved up to purchase tickets to the sold-out farewell tour of her favorite rock band. The tickets were non-refundable, and the event’s terms did not allow for resale.
On the day of the concert, Jordan tripped and fell, hitting her head and experiencing a concussion. Attending the concert was no longer an option. With the show starting in just hours, there was no practical way to recover the cost of the tickets.
Because experience protection was added at checkout, Jordan was able to submit a claim along with the required documentation. Under the policy terms, the coverage helped offset the cost of the unused tickets. Although the event was missed, the added protection meant Jordan could recoup her costs and start planning for the her next concert experience.
Types of Coverage Available
What are Covered Unforeseen Reasons?
Experience protection insurance may provide reimbursement for experience costs. Examples of covered unforeseen reasons (perils) may include the following. This is a brief list and covered perils may vary depending on the plan selected. Please refer to your policy for a complete list of covered reasons. Coverage is not provided in the instance of a change of plans or personal scheduling conflicts.
- Injury or Sickness of You or Your Family Member
- Death of You or Your Family Member
- Complication of Pregnancy
- Parent experiences involuntary transfer of employment (activity & registration fees only)
- Traffic accident en route to the Experience (single & multi-day experiences only)
- Military, medical, police or fire personnel being called into emergency service
- New full-time job requires work on the day of the event (single & multi-day experiences only)
- Service Animal Sickness, Injury, or Death
Sample Scenario*
Medical Event Ruins Season for Ticket Holder
Noah was a long‑time season ticket holder for his favorite basketball team, a commitment he looked forward to every year. With seats purchased for the entire home-game schedule, the investment was significant, and the terms were clear: non-refundable and non-transferable once the season began.
Halfway through the season, Noah experienced an unexpected medical issue that required several weeks of recovery and follow‑up appointments. While he was relieved that the condition wasn’t serious, the timing meant he had to miss a large portion of the remaining games. This was almost half of his season ticket’s value.
Ordinarily, those missed games would have resulted in a total loss. But Noah had opted to add experience protection when purchasing his package. After submitting a claim for the unused portion of his season, the coverage reimbursed him under the applicable policy terms, which helped provide reimbursement for the cost of the games he was unable to attend.
*Scenarios are based on hypothetical facts, provided for illustrative purposes only and is not based on real claims adjudicated.
Additional Products
Participant Accident Insurance
Blanket or individual member coverage for unexpected events that can happen to anyone at any time.
Business Travel Accident
Coverage is available for domestic and international business travelers, groups and individuals.
Amateur and Youth Sports
Coverage availablilty ranges from little league and pee wee football to adult social leagues.