Registration windows are getting longer. Refunds need to flex.
Participants commit up to six months out, and most protection stops at the start line. Teak can span the full window, registration through the finish line, so weather, injury, or illness on race day doesn't leave them without protection.
People commit earlier.
We cover what actually happens.
Registration now happens four to six months before the start line, and plans change in that window. We've seen millions of refund requests, so we know which reasons come up, and we build the optimal program around them.
Race week sign-ups fell from nearly a quarter of registrations in 2025 to under a fifth in 2026.1 People commit months out, before they know how any of it will go:
- What goes wrongWhat we cover
- 01Work or family intervenesEmergency & carer duty
- 02The flight never leavesTravel disruption
- 03Severe weather stops the race mid-eventIn-event interruption
Every condition is chosen from real request data, then tuned to your event as the program runs.
Benefits built around what actually happens and timing that makes sense.
Growth is coming from add-ons, and refund protection is the one particpants actually want.
That gap comes from pricing and add-ons.2 Refund protection is the one add-on participants actually want, because it gives them the confidence to book months out, knowing there's protection if plans change.
Most platforms skip it, or hand it to a provider who won't pay valid refunds — and every denial lands on your brand, not theirs. Teak runs it as a high-touch managed program — new revenue at checkout, every request handled by our team.
Refunds that span
the entire race.
Most protection stops at the start of the event. Teak's refund protection can span the full experience — and handle every refund request.
Run it white-labeled under your brand with Refund as a Service™, or carrier-backed with Filed Insurance. Most endurance programs choose RaaS™ to strengthen their own brand experience and protect races worldwide.
Let's build your program →Participants buy it.
Organizers keep it.
One partner hit a 25% attach rate within weeks, and 80% of their organizers now run Teak programs. That's what happens when refund logic matches how people actually register.
A full working program, not a pilot. Movemint's first policy sold before registration even opened.
I expected the runaround, but this works as intended. I filled out the form, submitted a doctor's note, and my fees were refunded the next day, no questions asked.
My running partner got injured and we were refunded in full. Because of that, I signed up for another race, and protected that one too.
I requested a refund due to a family bereavement. The form was easy, I submitted documentation, and it was approved almost immediately, within hours.
Built for participants,
how they actually register.
Tell us how your registration windows work. We'll show you the optimal program shaped around them and your economics.