However, what isn't being reported is the insurance doesn't cover anything in the case an event is cancelled by weather which seems to me to be the #1 reason to have insurance other than maybe a stress fracture.
In terms of injuries that it does cover, is anyone sure it covers a stress fracture? The terms and conditions says a doctor must tel them you were unable to 'attend' the event. Might this be used to say you could attend with a stress fracture - and just not run it? You could walk it.
The policy says the following is excluded:
The event being cancelled or delayed by the venue or promoter for any reason (including bad weather) unless as covered herein
More info here:
Take a look at it and tell me if I am missing something.