Planning a surfing holiday, whether you are learning to surf through to being experienced enough to confidently drop into hollow reef breaks, surfing has its risks and that’s why it’s important to stay safe in the line-up.
Surf Travel Insurance for Surfing Adventures
SurfingTravelInsurance.com provides cover for conventional and recreational surfing including other sporting adventures for residents of USA/Hawaii, New Zealand, Brazil, Australia, Canada, UK and over 130 other countries
Am I covered surfing by travel insurance?
There are numerous scenarios around surfing misfortunes and travel insurance, although this could take a while here are a few common questions to consider.
- Am I covered if I get seriously hurt while surfing?
- Am I Covered if my flight is cancelled due to natural disaster like Bali ash clouds?
- Is my board covered if it breaks while surfing?
- If I require repatriation where will they send me?
- If I get sick or injured and I cannot go on my surf trip or need to come home?
- What to do if I am seeking medical attention?
Remember: travel insurance is there for things that might go wrong and will not cover extreme risks, medical conditions that you have before you travel, deliberately putting yourself in danger or anything that involves alcohol or drugs or STDs.
Am I covered if I get seriously hurt while surfing?
Yes, you are covered by travel insurance for medical emergencies and treatment from shark bites and from injuries as a result of hitting the reef. You should contact the emergency assistance providers as soon as possible so they are able to get you the best medical treatment worldwide.
Am I Covered if my flight is cancelled due to natural disaster like the Bali ash clouds?
Provided you have already purchased your policy, then Yes! The sooner you purchase travel insurance the sooner you have cover for pre-paid deposits and travel arrangements. You should ensure your travel insurance policy has cover for cancellation costs and travel delay due natural disasters and severe weather including volcanic ash clouds.
Generally cancellations and delays are covered by the airline, the insurance underwriter will cover additional expenses but require you to keep the costs and expenses reasonable and get a written confirmation of your claim with the airline. All travel insurance policies will require the event to have begun after you have been issued with a certificate of insurance another reason not to leave purchasing travel insurance till you are at the airport.
Is my board covered if it breaks while surfing?
This all depends on the type of travel insurance policy you take out. Read your policy wording thoroughly to see if your board is ‘covered whilst in use’. Most insurers do not cover your surfboard while you are using it, however some policies may cover your surf board if it is lost, stolen or damaged while travelling as part of your luggage and personal effects but strict conditions can apply, so make sure you check your policy wording for full details.
If I require repatriation where will they send me?
If it’s agreed that repatriation is necessary, there’s cover for reasonable, additional travel expenses to get you home (your return flight ticket might be used to reduce the insurer’s cost) and other reasonable and necessary additional expenses such as for a medical escort or a friend/relative to travel home with you (or accompany your child if you’re not able to). If you die overseas, then the repatriation cover includes either transportation of your remains or ashes home or your overseas funeral, burial or cremation (not both).
If I get sick or injured and I cannot go on my surf trip or need to come home?
Again, this depends on the travel insurance policy you take and whether it includes cover for Cancellation or Trip Interruption. If you have pre-booked a surfing lesson, flights or accommodation, and you get sick or injured before you leave home and cannot go on your trip, then you may be able to claim for the non-refundable parts of trip that you have to cancel. If your illness or injury interrupts your trip, then you may also be covered for the unused part of your prepaid expenses, less any refunds you receive. Cancellation/Trip Interruption cover doesn’t reimburse you for “loss of enjoyment” or if you change your mind, and may also exclude other scenarios, so read your policy wording carefully.
What to do if I am seeking medical attention?
Get medical help from a medical practitioner, such as a doctor, or by going to a hospital as soon as possible. If it is an emergency situation, contact the local emergency services first, then contact our Emergency Assistance Team as soon as you can.
If it’s not an emergency situation, call our Emergency Assistance Team, and we can direct you to an appropriate medical facility. Remember, if you’re in a country with a Reciprocal Health Care Agreement in place, you must take advantage of the public health system where possible.