Signing up for a gym can feel like a commitment to health, but what happens when your body has other plans?
One TrustDALE viewer learned the hard way that getting hurt doesn’t automatically free you from a gym contract. After injuring their shoulder just a month into a new membership, they asked to cancel, only to be told they were still locked in. If you’ve ever been sidelined by an injury and stuck paying for services you can’t use, you’re not alone.
So, can you actually break up with your gym if your body breaks down?
The Hidden Rigidity of Gym Contracts
It’s a common frustration. Many gyms boast flexible memberships – but the moment you try to walk away, especially due to an unexpected injury, the rules tighten.
Most gym contracts are legally binding service agreements. That means unless the contract specifically includes an “out clause” for medical issues, the business can technically hold you to it… regardless of whether you’re physically able to work out. Some contracts do offer limited exceptions for injuries or major life events, but those usually come with a catch:
- You may need to submit a formal doctor’s note.
- You might be required to give written notice within a set timeframe.
- The gym may only offer to freeze your membership rather than cancel it outright.
Even with a valid injury, if you don’t jump through the right procedural hoops, your request could be denied.
What You Can Do (and What You Must Avoid)
Before you resign yourself to shelling out monthly fees while your shoulder (or back, or knee, or whatever) recovers, take these steps:
- Pull out your contract and read the cancellation section.
Look specifically for language about medical exemptions, cancellation policies, and documentation requirements. - Get everything in writing.
If your gym says “no,” ask for that denial in writing. If they agree to freeze or cancel, get that in writing too. Verbal agreements are not enforceable. - Provide medical proof fast.
Even if your contract allows cancellations for medical reasons, delay can cost you. Send your documentation as soon as possible. - Follow the exact process outlined in the agreement.
Don’t assume you can just email a note or tell a manager in person. Most gyms require a specific form or method—like certified mail—to start the cancellation clock.
And remember: stopping payment through your bank or credit card won’t void the contract. That may only lead to collections and credit damage.
How to Protect Yourself Before You Sign
This case is a tough reminder that the best time to guard your rights is before you join. Next time you’re considering a gym (or any service contract) keep these tips in mind:
- Look for a cancellation policy upfront.
If the contract doesn’t include injury or life event exceptions, ask to add them—or walk away. - Choose month-to-month memberships if possible.
Avoid long-term contracts unless you’re absolutely sure about your long-term health and schedule. - Check for third-party billing services.
Many gyms outsource billing, making cancellations even harder. Know who you’re really paying.
Final Reps: Don’t Get Burned at the Bench
Getting hurt shouldn't mean getting stuck. But unless your gym contract gives you a clear path out, it might. That’s why it pays to read and understand what you’re signing, especially when it comes to recurring payments.
If your gym isn’t budging and you believe they’re violating state or consumer protection laws, it may be time to file a complaint with the Better Business Bureau or your state attorney general’s office.
And if you’re considering a new gym, remember: it’s not just about getting in shape. It’s also about making sure the contract doesn’t leave you financially out of shape when life throws you a curveball.
