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*
Hockey Player Sidelined Due to Injury
Ethan registered for youth hockey months in advance, with fees paid upfront for full participation in league games. Like most programs, the registration fees were non‑refundable once play began.
Midway through the program, Ethan suffered an injury that required medical treatment and prevented him from playing in several remaining games. Although he was expected to recover fully, the missed games represented a loss of value from the registration.
Because his family had added experience protection coverage at registration, they were able to submit a claim for the missed games.
Under the policy terms, a portion of the registration fees was reimbursed, and Ethan could focus on recovering and preparing for next season.
*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.