Injuries are common place in sport. In fact, many people would go as far as saying they are part and parcel of being involved in sporting activities. In the UK in '96, sporting injuries accounted for 33% of all injuries and that there were 17,000 sporting injuries reported in America (Physical therapies in sport and exercise, Kolt & Snyder-Mackler).
Most injuries are minor and do not affect day to day life for any significant period. For example a grade 1 hamstring strain is a very common amateur sports injury, which will still enable the individual to move about as usual.
However, a more serious injury could be costly to the individual. Lost earnings through sports injuries were thought to equal $19 million in one US state alone in 1996 and whilst sick pay may cover some of the loss, the player may still be left out of pocket. Unfortunately the financial implications don't end there. Any keen sports person will be wanting to return to sport as soon as possible. In order to do this, some form of treatment is usually required (e.g. physiotherapy / physical therapy) which doesn't come cheap. Add on equipment such as supports, braces and other rehabilitation equipment (such as resistance bands and wobble boards) and you can easily see how the costs can mount up.
Whilst many sports clubs and organisation's have their own insurance, it is well worth investing in a personal sports injury insurance policy to make sure you are fully covered in the event of injury.
A good sports insurance policy will provide a payout in the event of injury as well as income protection, hospitalisation benefit and cover for treatments such as physiotherapy and dentistry.