* XSI is Individual accidental and supplemental insurance. XSI is not a replacement for major medical coverage but meant to help with co pays and deductibles.
* Founded by Extreme and Action Sports Athletes who understand the importance of insurance. We saw a void in the market as there were no current insurance products available specifically for athletes. You are covered 24/7 with XSI whether or not you are participating in a sport or walking down the street.
* XSI pays directly to you for your injuries.
* The application process and underwriting are very quick. – No medical exams – No medical history
* XSI Costs a fraction of other insurances, yet exceeds the competition

Xtreme Sports Insurance (XSI) offers supplemental accident insurance to anyone who participates in action or extreme sports. You are covered 24/7 with XSI whether you fall off your skateboard or break your ankle walking down stairs. Unlike traditional health insurance that typically only covers routine medical expenses, XSI provides a cushion to help you offset expenses that really add up. Injuries are expensive, but they don’t have to set you back. XSI can assist you with supplemental insurance that reimburses you with cash for incidentals such as co-pays, emergency room stays, broken bones and physical therapy. XSI will even reimburse you for lost wages from taking time off work.

What Does XSI Cover?

XSI covers out-of-pocket medical expenses if you are injured or have an accident. Need to get that fractured leg fixed? Hobbling around on some crutches? With a plan from XSI, we’ll pay you a pre-determined amount for specific injuries.

Who buys XSI?

Anyone who participates in any beginner, intermediate or expert level of  sports is covered by XSI.  We cover nearly all sports imaginable from snowboarding to football. This includes children, adults, families, coaches, associations, groups, employees, professionals, weekend warriors and vacationers.

Submitting a claim

Once you’ve seen a doctor, made a trip to the emergency room or received treatment for an injury, fill out a short form that describes the incident and submit proof of your injury. When we receive your claim, we’ll send a reimbursement check directly to you.

FAQ’s

Does XSI really cover extreme sports injuries?

Yes. Until now, no other company has been able to offer insurance for action and extreme sports athletes. We know that playing hard means taking physical risks and often losing out on important medical coverage. If you live an active lifestyle and participate in progressive sports, XSI has your injuries covered.

What about traditional sports like football or soccer?

You are covered by XSI at all times! Nearly every sport is covered by XSI.*

What If I break my ankle walking down the stairs?

Again with XSI you are covered 24/7 .  You don’t have to be participating in sports to use XSI.

How does it work?

Participating in progressive sports should mean having a progressive insurance plan that keeps up with your lifestyle. If you get injured while participating in a sport and fork over any cash for medical treatment, XSI will cut you a check for injury-related expenses. Even if you have a major health insurance plan, XSI will still reimburse you to help pay those medical bills, compensate for lost time at work or anything else you need to use the money for.

I am uninsured. Why should I have insurance?

Why not? As if spending time in the doc’s office or the emergency room isn’t stressful enough, that little bump on your head might set you back a month’s worth of rent, a weekend trip to Vegas and a few weeks sidelined from your sport. Injuries are expensive – we get that. While we can’t help you heal any faster, we can help take the edge off financial stress relating to your injury.

Are we talking about health insurance?

No, this is accident insurance. Unlike major health insurance companies, XSI pays you – not the doctor. After your injury happens, you submit a short form and receive a check in the mail. We recommend that all XSI customers have health insurance, but even if you don’t, XSI offers different plans to help you maximize your benefits when an injury happens.

What if I recently had a broken bone, surgery or hospital stay?

All the more reason to be insured by XSI. You won’t be turned away because of any prior or pre-existing medial issues.

When am I eligible to receive benefits?

Right now. As long as you can still perform the majority of your job duties, you are eligible for accident insurance immediately.

Does my height and weight combination matter?

Not at all. In fact, any pre-existing medical conditions are not an issue.

Am I actually going to get a check in the mail?

Yes, we aren’t kidding. Show us documented proof of your injury, and we’ll cut you a check.

What if my kids go too big?

We’d love to cover your kids. Kids’ injuries are just as expensive and can result in income loss if you need to stay at home to take care of them. We’ve got plans to cover your entire family.

How much will this cost me?

Plans start at $17.30 per month. We aren’t talking about big money here— that’s the cost of a large pizza!

Ok, that’s not expensive now, but you’ll raise my rates when I actually get injured, right?

No way. We don’t believe that action sports athletes are any higher of a liability than someone with a clean driving record, so your rates will never increase after submitting an injury-related claim.

So how do I get started?

Give us a call or drop us an email. We’d love to talk to you.

* Covered sports

XSI Insurance covers nearly every sport imaginable!  If you don’t see your sport listed let us know and we’ll add it!

Action Sports

  • Snowboarding
  • Skiing
  • Freestyle MX
  • Wakeboarding
  • Skateboarding
  • BMX
  • Motocross
  • Mountain Biking
  • Cycling
  • Surfing
  • Wakeskating
  • Wake Surfing
  • Water skiing
  • Kite Boarding
  • Hiking
  • Climbing
  • Kayaking
  • Roller Derby
  • Inline Skating

Combat Sports

  • MMA
  • Tai Kwon Do
  • Karate
  • Wrestling
  • Boxing
  • Judo
  • Muay Thai

Team Sports

  • Basketball
  • Volleyball
  • Football
  • Soccer
  • Baseball
  • Tennis
  • Polo
  • Softball
  • Paintball
  • Rugby
  • Hockey

Other Sports

  • Rodeo
  • Traithalon
  • Cheerleading
  • Drill Team
  • and Many more!