Sports Refund

What Sports Refund does

Sports Refund LLC is a privately held insurance technology company founded in 2021 and headquartered in Boston, Massachusetts. It operates an embedded insurance platform that delivers industry-specific coverage products — including season interruption, tournament cancellation, registration cancellation, camp and event liability, and travel insurance — through a RESTful API and pre-built white-label web components that partners integrate into their checkout and registration flows. The company targets sports management platforms, registration software, event management platforms, ticketing platforms, travel booking systems, and camp operators as distribution channels, with end customers being families, athletes, and travelers seeking protection against non-refundable registration fees and trip disruptions.

The business model is multi-channel: revenue is generated via transaction fees on embedded insurance premiums distributed through partner platforms, complemented by direct-to-consumer policy sales through Sports Refund's own web portals (quote.sportsrefund.com, season.sportsrefund.com, travel.sportsrefund.com). Insurance products are underwritten by A.M. Best "A-" or better rated carriers, and the company has recently expanded into Canada through a strategic partnership with Chubb Insurance Company of Canada announced on January 29, 2026. The company is founder-led, with no disclosed institutional investors, funding rounds, or headcount figures, and reports no revenue or ARR publicly. Its competitive positioning rests on vertical specialization in youth sports and event registration, white-label flexibility, and a carrier-backed underwriting model that allows partners to add a new revenue stream with no cost and no risk.

Name

Sports Refund

Legal name

Sports Refund LLC

Website

https://sportsrefund.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Sports Refund is an embedded insurance platform that delivers white-label, API-integrated coverage for sports registration, camps, events, and travel via partner platforms and direct-to-consumer portals, serving families, athletes, and organizations across the US and Canada.

Ownership category

akta.pro rank

Product category

Embedded Insurance Platform

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Event Cancellation & Contingency (FSAJAGAN)

akta.pro secondary industries

Ticket/Event Cancellation Protection (FSAJAJAG), Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL)

Keywords

• Embedded insurance platform
• Sports registration insurance
• Event cancellation coverage
• Travel insurance API
• White-label insurance

Headquarters

HQ city

Boston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain

Revenue model

1. Embedded Insurance Premiums: Sports Refund earns revenue by embedding insurance products into partner platforms (sports registration, event management, travel booking). Revenue is generated from insurance premiums paid by end customers at point of purchase. Partners gain an additional revenue stream while Sports Refund earns from policy sales.
2. Direct-to-Consumer Insurance Sales: End consumers (families, athletes, travelers) purchase insurance coverage directly through Sports Refund's own web portals (quote.sportsrefund.com, season.sportsrefund.com, travel.sportsrefund.com). Revenue generated from premium payments on individual insurance policies.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Sports Refund provides industry-specific embedded insurance products covering registration cancellation, season interruption, tournament cancellation, event liability, camp host liability, and travel (single trip, multi-trip annual, corporate group). Insurance is delivered either as white-label, API-integrated coverage embedded into partner platforms (sports management, camp registration, event ticketing, travel booking) or purchased directly by consumers through Sports Refund's own web portals. Policies are underwritten by A.M. Best 'A-' or better rated insurance companies.

Product overview

Sports Refund is an embedded insurance platform offering industry-specific insurance products across sports, events, travel, and camp/recreation sectors. The platform operates through a RESTful API enabling partners to embed insurance offerings directly into their checkout and registration workflows. Key products include Season Interruption Insurance (covering sports season cancellations due to injury/illness), Tournament Cancellation Insurance, Registration Cancellation for camps, and travel insurance products (Single Trip, Multi Trip Annual, and Corporate Group). Event liability coverage includes General Liability & Accident Medical and Event Cancellation protection. The company also provides white-label solutions, an Admin Panel for partners, and conversion rate optimization tools. Insurance products are underwritten by A.M. Best 'A-' or better rated insurance companies, with a recent partnership with Chubb Insurance Company of Canada for Canadian market coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Season Interruption Insurance Protects a family's registration investment for a sports season when a child suffers an unforeseen injury or illness, reimbursing for time missed during the season. Sold via the season.sportsrefund.com portal and embedded into partner sports registration platforms.
• Tournament Cancellation Insurance Protects revenue or expenses from tournament and sports events against cancellation, postponement, or relocation due to reasons beyond the event organizers' control. Targeted at tournament directors and event organizers.
• Registration Cancellation (Camp + Rec) Protects registration costs for camps or recreational events when a child is forced to miss participation due to unforeseen injury or illness. Distributed via camp management and registration platforms.
• Camp Host Liability Provides liability protection for camp operators and clinic organizers against bodily injury, property damage, and personal or advertising injury claims arising from their events.
• Event Cancellation Insurance Shields tournament and event directors from unexpected disruptions by protecting their revenue and expenses when events are cancelled, postponed, or relocated. Distributed via event management platforms and ticketing software.
• General Liability & Accident Medical Protects event organizers from lawsuits or property damage claims and pays the medical bills of injured participants at covered events. Embedded into event management platforms and venues.
• Ticketing Insurance Insurance solutions embedded into online ticketing software, event management platforms, and event venues to protect ticket purchasers and organizers from event-related disruptions.
• Single Trip Travel Insurance Customizable coverage for a single trip including domestic and international destinations and activities such as road trips, tours, hiking, and vacation rentals. Sold via travel.sportsrefund.com and embedded into travel booking platforms.
• Multi-Trip Annual Travel Insurance Comprehensive full-year coverage for frequent travelers with no limit on the number of trips within a 365-day period and up to 40 days of coverage per trip.
• Corporate Group Travel Insurance Coverage for companies sending employees on group trips, including trade shows and global meetings. Sold to corporate clients via travel booking platforms and direct outreach.

Quantifiable outcome

• Families can recover registration fees paid to sports organizations when injury or illness prevents participation
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Chubb Insurance Company of CanadacoreStrategic or Co-development Partner · 29 January 2026Sports Refund partnered with Chubb Insurance Company of Canada to offer Event Registration Insurance across Canada. The coverage is underwritten by Chubb and is available through a newly built online portal on the Sports Refund Canada website, with plans to expand to Chubb Canada brokers and various event registration platforms. This is a strategic co-development partnership combining Sports Refund's platform technology with Chubb's global insurance expertise and financial strength.
• A.M. Best Rated Insurance Companies (A- or better)coreOthersSports Refund products are underwritten by insurance companies rated A.M. Best 'A-' or better, providing financial security and credibility for policyholders. The A.M. Best rating indicates strong financial strength and ability to meet insurance obligations.
• Play N SportsminorChannel Partner/ Reseller/ DistributorPlay N Sports is shown as a partner/client logo on Sports Refund's website, indicating it is a sports management or registration platform that distributes Sports Refund's embedded insurance products to its customers.
• Play HockeyminorChannel Partner/ Reseller/ DistributorPlay Hockey is shown as a partner/client logo on Sports Refund's website, indicating it is a platform that distributes Sports Refund's embedded insurance products to its customers in the hockey sports segment.
• Youth IncminorChannel Partner/ Reseller/ DistributorYouth Inc is shown as a partner/client logo on Sports Refund's website, indicating it is a youth sports platform that distributes Sports Refund's embedded insurance products to families and organizations.
• Commonwealth SoccerminorChannel Partner/ Reseller/ DistributorCommonwealth Soccer is referenced as a customer and partner, having used Sports Refund to protect its families' registration investments. A testimonial from a parent associated with Commonwealth Soccer is featured on the Sports Refund website.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CoverWallet: Digital commercial insurance platform (now part of Aon) that uses technology to embed and distribute SMB insurance online. Comparable to Sports Refund for its API/embedded distribution model and broker-style positioning.
• SafetyWing: Embedded travel and global health insurance platform offering modular, white-label coverage via API and partner integrations. Comparable to Sports Refund for its API-first embedded travel insurance model.
• Bold Penguin: Commercial insurance exchange that enables embedded insurance distribution through partner platforms and APIs. Comparable to Sports Refund in its platform-mediated insurance distribution approach.
• NEXT Insurance: Embedded SMB insurance carrier with API-driven distribution and partner integrations. Comparable to Sports Refund for its API-first insurance distribution and white-label/embedded partner strategy.
• Embroker: Technology-driven commercial insurance broker offering specialized coverage across verticals with digital distribution. Comparable to Sports Refund for its technology-first broker model and vertical specialty focus.
• Battleface: Specialty travel and event insurance provider with API-based embedded distribution. Closely comparable to Sports Refund in offering travel and event cancellation/protection products via technology integrations.

Regional players

• Zensurance: Canadian digital commercial insurance broker with API and partner distribution. Comparable to Sports Refund for its technology-led insurance distribution focus in the Canadian market.
• Apollo Insurance: Canadian digital insurance marketplace offering instant online specialty and travel insurance. Comparable to Sports Refund's Canadian offering and embedded/specialty distribution model in the same geography.

Broad incumbents

• Travelex Insurance Services: Established US travel insurance provider with broad partner distribution across travel agencies and booking platforms. Comparable to Sports Refund for partner-led travel insurance distribution.
• Allianz Travel Insurance: Global travel insurance incumbent offering single-trip, multi-trip, and corporate travel coverage through partner platforms. Comparable to Sports Refund for the overlapping single/multi/corporate travel product set.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/SportsRefund
• LinkedInlinkedin.com/company/sports-refund

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sports Refund