best travel insurance for kitesurfing

Surfing Travel Insurance | Protecting Your Trip & Gear

The list of surf trip costs is endless, from flight tickets to accommodation, transport, food, travel gear, and a new board or two if we’re lucky, and that’s not to mention any coaching and extra activities. But one thing often overlooked, particularly on a budget surf trip, is surf travel insurance— an annoying additional cost but one that is just as essential as your plane ticket. 

We’re all guilty of it, right? “Ahhh, it’ll be fine; I won’t need insurance; that would be a waste if nothing goes wrong.” On surf trips, everything is, and hopefully will be, fine until it isn’t. Surf trips, by nature, are unpredictable, and there are countless opportunities for things to go awry. 

But when things go to sh*t, they go to sh*t very quickly, and paradisical dreams can turn into life-threatening nightmares in seconds. If you’ve got no cover to back yourself up in emergencies, then you not only put yourself in a dangerous (and potentially life-threatening) situation but under a mountain of debt you’ll be paying back for years to come. 

However, with a small pre-trip payment, you can prevent such situations and give yourself the peace of mind you won’t finish the trip with a $10,000 medical bill, injured or stranded. Surf travel insurance can also cover you for other surf trip mishaps, such as delayed flights and lost or stolen baggage. In this article, we dive into everything you need to know about surf travel insurance, from what to look for, the essential criteria, why you need it, and the best companies to buy policies from. We have a heap to get through, so let’s dive in. 

Table of Contents

Why Do You Need Surf Travel Insurance? 

If you’ve been on a surf trip, you won’t need me to tell you how many things can and inevitably will go wrong. From severe injuries and emergency evacuations to stolen boards and delayed flights, surf travel insurance helps you in countless ways: 

• Serious Injury
• Minor surf accidents 
• Traffic collisions (Bali mopeds) 
• Delayed flights 
• Broken surf equipment 
• Lost or stolen baggage 
• Natural disaster 

But while the list of potential surf travel mishaps is long, not all surf travel insurance companies cover these things. Instead, you’ll have to look at specific policies to see what is and isn’t covered on your respective policy. Always check your policy wording carefully, and no matter what insurance you get, here are the essential criteria for any surf travel insurance policy. 

Essential Surf Travel Insurance Criteria 

Medical expenses .

This is the big one. Medical expense coverage is crucial for any surf trip . Whether going on a mellow longboarding vacation to Sri Lanka or chasing slabs deep in the Australian desert, medical expenses cover your medical bill should you get injured. 

For example, if you’ve fallen off and hit the reef at Ulutwau , gotten cut up, and potentially broken a bone, you need to go to the hospital to get checked out and have a cast put on. That doesn’t come free for foreigners in Indonesia. With medical expenses covered by your policy, you can get the care you need without worrying about paying for it immediately. 

To hammer the importance of this home, I was once on a surf trip to Lakey Peak, Sumabwa, a relatively remote Indonesian surf paradise. One day we were eating lunch, and a surfer was being paddled in from the surf, having badly broken his leg and needing urgent medical attention and pain relief. His friends informed us, and everyone else at the camp, he was an American with no travel insurance! 

They did a whip round to get as much money together as possible, which I’m sure didn’t completely cover the cost of his hospital transfer and treatment. This is exactly the situation you want to avoid, and for the sake of a few extra dollars, it’s stupid not to get insurance. 

Medical Evacuation 

For serious injuries and life-threatening situations, medical evacuation insurance is needed. Hopefully, you’ll never need this, but when you do, you’ll be super thankful you had it! Let’s say you’re on a surf trip to the Mentawaiis (if you’ve been there, you’ll know how frickin remote it is). You get a head or spinal injury from hitting the shallow reef and need urgent care. 

The closest hospital is Padang–usually a 4-hour boat trip, but you need a helicopter to airlift you to the hospital in Padang. Padang isn’t the biggest city, and if the hospital there isn’t equipped to deal with your injury, you’ll need to be transferred to Singapore or Kuala Lumpur! Yep, that’s a lot of flying, and costs soon rack up. Medical evacuation covers these costs essential. 

Personal Liability 

Another vital aspect of your surf travel insurance coverage is personal liability. In short, this means an injury you cause to someone else. It doesn’t matter how good a surfer you are in crowded line-ups; it only takes a misread of an oncoming section to run over someone. Personal liability coverage helps cover their medical expenses if you injure or seriously hurt them. This is essential for helping them get the care they need (regardless of their insurance) and gives you the peace of mind of not having to pay for their medical expenses.  

What Does Surf Insurance Typically Cover? 

What’s covered in your insurance policy will depend on who you purchase cover with, and not all policies will cover the same thing. For example, you’ll want to cover bases such as medical expenses, evacuation, and personal liability, but often things such as baggage delays, damage to equipment, trip cancellations, etc., are things you buy as extras on top of your policy. Well worth considering.

Types of Surf Travel Insurance 

For surf travel insurance, there isn’t a specific company that operates as a sole surf travel insurance provider. Therefore, you must look for extreme sport and adventure travel companies that offer surfing insurance. These companies provide travel insurance for backpackers traveling long term (6 months +), extreme sports such as snowboarding, watersports, bungee jumping, and skydiving. Additionally, many of these companies have dedicated website pages for surf travel insurance. 

Best Companies for Surf Travel Insurance 

I’ve taken countless surf travel insurance policies out in my time but generally return to the same two. These top two companies are the best for dealing with surf travel, whether it’s offering a surf-specific policy, making a claim, or getting insurance that can be extended if you want to extend a surf trip. Let’s take a closer look at my top two. 

World Nomads

World Nomads is a favorite for backpackers and surf trippers, offering insurance policies that cover a wide range of extreme sports and daring backpacker activities. If you’re heading on a gap year and throwing surfing in there or want to cover for your next surf trip, World Nomads will have a policy for you. But, by far, my favorite aspect of World Nomads insurance is the ability to extend your policy while you’re away. I often go on extended 6-month + surf ventures, and if I want to stay longer, I can simply contact World Nomads and extend my policy. Pretty cool, right? 

GIG Insurance 

GIG Insurance caters to extreme sports and adventure travel, from bungee jumping to snowboarding, Scuba diving, skydiving, and surfing. You’ll need to take out coverage and then add surfing as an activity to your policy. My favorite aspect of GIG insurance is that you can talk to a representative over the phone who can tailor a policy according to your travel plans!  

Making a Claim: Does it Pay & Is it Worth it? 

Yes and no. This will depend on your exact policy. Generally, the more you pay and the more extensive your coverage, the more likely the company will pay out. For instance, if you’ve got a policy including extras such as trip cancellation or damage to equipment, you can make a claim and receive money to cover this. However, it’s always important to read your policy wording carefully. If you have a basic plan with no extras, you’ll unlikely be covered for anything other than the essentials (medical evacuation, etc.) 

It’s also worth considering that many of these policies come with premiums, meaning if you claim, they will only pay a maximum (not the total amount of your broken surfboard). You’ll have to pay a deductible from that amount. So, always weigh up whether a claim is worth it. And this can also affect what you pay for your following policy. Just think of your insurance as covering emergencies, and if you never have to use it, great! And if you do, you’re covered and can focus on recovery. 

Final Words  

It’s no doubt that surf travel insurance is essential. You’d be silly to go on a surf trip without it. I’ve seen it too many times, meeting surf travelers in remote Indonesian islands thinking having no insurance makes them a gnarlier budget surf traveler, which is all good until you’re helping the same person with a broken leg and a $10,000 medical bill. So, at the bare minimum, get yourself some insurance that covers the following: 

• Medical expenses 
• Medical evacuation
• Personal liability 

Also, consider adding extras that give you peace of mind, such as baggage delay, trip cancellation, baggage damage, etc. Hopefully, you’ll never need to make a claim on any of your surf trips but get insured anyway, have peace of mind, and enjoy your trip! 

Dan Harmon is a content writer and full-time surf travel enthusiast. He travels the world full-time while creating surf content, traveling to the world’s best surf destinations , and hunting out some lesser-known corners. You can follow more of Dan’s travels over on his YouTube Channel , website , and Instagram.

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Our Kitesurfing Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

Our Sports Travel Insurance will cover you whilst kitesurfing abroad for leisure or competition, and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.

2. Travel Insurance Bolt-On

If you have an existing travel insurance policy in place with another provider such as your bank but it does not include cover for kitesurfing, we can provide a bolt-on style of protection for your trip.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect you whilst kitesurfing in the UK, whether that be for leisure or competition. The policy provides a range of benefits including personal liability and income protection.

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Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

What is Kitesurfing Insurance?

Kitesurfing Insurance will protect you whilst participating in the activity abroad and even in the UK.

For those heading to foreign waters to kitesurf, our Sports Travel Insurance policy will provide financial protection should you have an accident or illness abroad, lose your luggage, experience delays and much more.

If you are kitesurfing in the UK, our Sports Accident Insurance  for kitesurfing offers personal accident and sports injury cover to safeguard against the financial effects of an injury sustained during kitesurfing.

You can get an instant quote and purchase your policy in minutes, just follow our quick process above.

What makes our kitesurfing insurance policy different?

Many travel insurance policies will not cover kitesurfing as standard. Our policy, which is underwritten by AXA XL, provides cover for kitesurfing and 500 other sports.

Our Sports Travel Insurance provides the same protection that you would expect to find from a standard travel insurance provider, but with added benefit of providing cover whilst kitesurfing, whether that be for recreation or competition.

We hold over 30 years of experience in providing comprehensive insurance policies to sports enthusiasts, why not join them?

Frequently Asked Questions

Standard travel insurance policies do not always cover hazardous sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.

Our Sports Travel Insurance policy provides  up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your kitesurfing equipment in transit to and from your destination.

Yes, our Kitesurfing Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our Kitesurfing Insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

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Kitesurfing travel insurance

We know people don’t get excited about travel insurance – they’re far more excited about their holiday. And if you’re going kite surfing while you’re away, you definitely don’t want to spend too much time thinking about insurance.

Luckily for you, you’ve come to right place. We make getting insurance as quick and simple as possible, so you can get on and plan your kitesurfing holiday.

What is covered with kitesurfing travel insurance?

Our travel insurance policies aren’t only quick and simple, but we also include automatic  cover for over 50 sports and activities , including kite surfing, with all of our insurance policies. Additionally, we also cover for a range of benefits, including:

• Holiday cancellation cover
• Belongings and baggage cover
• Medical and hospital expenses cover
• Passport, money and documents cover
• Delayed departure cover
• Accommodation cover

If you want to try kite surfing on your holiday, you’ll be covered by our policies. However, please note that you will not be covered if this is the main purpose of your trip.

Will my kite surfing equipment be insured?

While kite surfing is automatically covered under all our policies, sports equipment can be expensive, so if you’re travelling with yours it’s important that it’s fully insured.  All our policies include cover for valuables, including sports equipment, so make sure you choose the right level of cover for your needs. If your kite surfing equipment is particularly expensive, you can even add extended valuables cover to your policy, which covers up to £1,000 per item – see our  policy wordings  for more details.

If you’re planning on kitesurfing on land rather than water, you need to take out additional cover, as this falls into our  adventure sports travel  category.

For more information about what’s covered with our kitesurfing travel insurance, have a read of our  policy documents  or visit our  FAQs page  for any questions you may have.

• Unlimited emergency medical expenses available on Black level policies.
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Kitesurfing Travel Insurance

Kitesurfing travel insurance is a necessity for those planning to engage in kitesurfing during their trip to another country. It allows you to protect yourself and your equipment from potential risks.

Levels of Kiteboarding Difficulty

Kitesurfing is an exciting form of active leisure that attracts many athletes. It involves riding a special board with a kite in the air, powered by the force of the wind. However, before starting this sport, it is important to determine its degree of difficulty and danger. There are several tiers of kitesurfing difficulty.

• Beginner . At the beginner level, athletes learn the technique of using the board and kite. They start by learning how to launch the kite, control it, and confidently stand on the board. Training takes place in calm water with mild wind.
• Intermediate . At the intermediate level, kitesurfers learn advanced techniques such as turns, jumps, and freestyle maneuvers. They can now practice on larger waves.
• Advanced . The third level involves performing complex tricks in open water with strong wind and waves. Advanced surfers use techniques such as big air, looping, and more.
• Expert . Athletes at the expert level are true professionals who expose themselves to risks. They often surf on big waves in rough seas, demonstrating complex tricks like megaloops and backrolls.

Let’s consider the conditions for kitesurfing in different countries.

Insurance Considerations

If you are planning a kitesurfing holiday, it is recommended to obtain the best insurance policy for this type of sport.

Kitesurfing equipment is quite expensive, so it is important to have insurance coverage for potential loss or damage. Additionally, injuries can occur while on the water. Kitesurfing travel insurance includes medical support for emergencies.

The price of insurance depends on various factors, including the duration of the trip and the level of coverage. For example, an annual travel insurance with kitesurfing cover will be more expensive than a single-trip policy, as it covers multiple journeys.

Before obtaining kitesurfing travel insurance, it is advisable to review reviews from other travelers regarding the quality of insurance policies. Based on these reviews, you can choose the optimal option that best suits your needs.

Depending on the chosen type of insurance, coverage may include loss or damage to kitesurfing equipment, medical expenses in case of injury, and liability towards third parties. It is important to carefully review the policy’s terms and conditions or consult with an insurance advisor before obtaining coverage.

Kiteboarding insurance can be purchased for a single trip, multiple trips, or a year. Choose the option that best suits your needs.

Yes, it is possible. However, the insurance will only take effect after 3 days or after crossing the border into another country. It is advisable to obtain kitesurfing travel insurance in advance to ensure coverage in case of risks.

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Kitesurfing travel insurance.

Kitesurfing is an exciting water sport that involves the use of a kite to pull a rider on a board across the water. It’s an adrenaline-fueled activity that attracts thrill-seekers from around the world. However, like any adventure activity, there are risks involved. That’s why it’s important to have kitesurfing travel insurance to protect you in case of accidents or emergencies.

What is Kitesurfing Travel Insurance?

Kitesurfing travel insurance is a type of travel insurance policy that is specifically designed for kitesurfers. It provides coverage for accidents, injuries, and emergencies that may occur while participating in the sport. This type of insurance can also cover trip cancellations, lost or stolen equipment, and other travel-related issues.

Why Do You Need Kitesurfing Travel Insurance?

Kitesurfing is an extreme sport that involves a high level of risk. Even experienced kitesurfers can face accidents or emergencies while participating in the activity. Kitesurfing travel insurance provides peace of mind and financial protection in case something goes wrong during your trip. It can cover medical expenses, emergency evacuations, and other unexpected costs.

What Does Kitesurfing Travel Insurance Cover?

Kitesurfing travel insurance can vary depending on the policy and provider you choose. However, most policies will cover the following:

• Accidents and injuries that occur while kitesurfing
• Emergency medical expenses
• Emergency evacuations
• Lost or stolen equipment
• Trip cancellations or interruptions
• Travel-related issues such as flight delays or lost luggage

How Much Does Kitesurfing Travel Insurance Cost?

The cost of kitesurfing travel insurance can vary depending on the policy and provider you choose. However, on average, you can expect to pay around 5-10% of your total trip cost for insurance coverage. This may seem like a lot, but it’s a small price to pay for peace of mind and financial protection in case of accidents or emergencies.

Where Can You Buy Kitesurfing Travel Insurance?

You can buy kitesurfing travel insurance from a variety of providers. It’s important to shop around and compare policies and prices to find the best coverage for your needs. Some popular providers of kitesurfing travel insurance include World Nomads, Allianz, and Travel Guard.

What Should You Look for in a Kitesurfing Travel Insurance Policy?

When choosing a kitesurfing travel insurance policy, there are a few key things to look for:

• Coverage for accidents, injuries, and emergencies related to kitesurfing
• Coverage for emergency medical expenses and evacuations
• Coverage for lost or stolen equipment
• Coverage for trip cancellations or interruptions
• 24/7 customer service and support
• Affordable premiums

What Should You Do if You Have an Accident While Kitesurfing?

If you have an accident while kitesurfing, the first thing you should do is seek medical attention if necessary. If you have kitesurfing travel insurance, contact your insurance provider as soon as possible to report the accident and begin the claims process. Be sure to document any injuries or damage to equipment and keep receipts for any medical expenses or repairs.

If you’re planning a kitesurfing trip, it’s important to have kitesurfing travel insurance to protect yourself in case of accidents, injuries, or emergencies. Be sure to shop around and compare policies and prices to find the best coverage for your needs. With the right insurance, you can enjoy your kitesurfing trip with peace of mind and financial protection.

Kitesurfing insurance: everything you need to know

by admin | Jun 4, 2022 | Kitesurf

 Are you wondering about kitesurfing insurance?

If you find yourself in a location with access to the ocean, don’t pass up the opportunity to go kitesurfing. Kite surfing is a unique form of adventure since it incorporates elements from a variety of extreme sports, including surfing, paragliding, windsurfing, wakeboarding, and gymnastics. So this article provides you with enough information about kitesurfing travel insurance

  Like any new sport that has a level of risk, many kitesurfers wonder if they can be insured in kitesurfing. The answer, of course, is YES.  If you plan to get insurance for kitesurfing , in the next post we will give you the keys.

The insurance sector advances at the same pace as society and offers its solutions to new coverage needs. Even in extreme sports such as Kitesurfing, which, being powered by a kite, can propel itself at high speed when strong gusts of wind intervene.

Although some specialists maintain that kitesurfing is not particularly dangerous for amateurs,  some professionals end up risking too much and can especially suffer broken bones due to heavy falls. Experts say that the main danger of this sport is to start learning it without training offered by a specialist school. When you know and have experience, riding a bike can be more dangerous than Kitesurfing.

Normally, the kitesurfing insurance is not specific only for kitesurfing and it is usually included in insurance for extreme sports, or even in travel insurance, which we will talk about later

Like most of extreme sports insurance, the coverage of a kitesurfing insurance, usually covers medical, hospital and surgical expenses, 24-hour assistance, payment of crutches, search and rescue of the insured, repatriation and medical transport of injured; displacement of a family member due to the hospitalization of the insured; extension of hotel stay due to accident; repatriation in case of death; sending medicines abroad, sending urgent messages, and civil liability, among many others.

If you want to know more about kitesurfing insurance, in this post we bring you some valuable information that you may find quite interesting if you are thinking in being covered

  Kitesurfing involes some risks, an essencial point that you should take in mind ….

kitesurfing has some risks, for that reason many kitesurfers take the insurance issue very seriously

Although, as compared to other extreme sports, kitesurfing has a lower risk of injury, many fatal accidents have been reported . As with any water sport, safety must be taken seriously when kitesurfing. . Slightly less severe injuries such as twisting or hitting the ground or the waves might occur significantly more frequently. Helmets, wetsuits, and chest armour are all highly advised, as is making sure you have the proper kitesurfing safety equipment on-hand anytime you hit the ocean for a ride on the wind.

Kitesurfing travel insurance

A combination of a travel insurance and a kitesurfing insurance is the perfect solution for any kitesurfer travelling abroad. A part from any medical expenses arising from minor or fatal injuries, some of these travel insurance are also covering any damages related to your kitesurfing equipment.

Having a travel insurance policy is essential if you plan to go abroad. However, if you don’t have proper  kitesurfing insurance , you’re taking a risk by going into the water. This is why, some travel agencies that are specialized in kitesurfing, offer proper kitesurfing travel insurance

Cover for kitesurfing is included in almost kitesurfing travel insurance, which normally provides you with the following benefits:

• Up to coverage for damage, delay, loss, or theft of your own equipment or equipment rented for the duration of your trip.
• Should you have an injury that requires medical attention, the cost of that treatment will be covered by your kitesurfing insurance coverage. Your insurance policy will cover the costs if you need to be returned to your home country or if search and rescue teams are contacted.

Additionally, if your flight is delayed, your luggage is lost, or you have to cut your vacation short, you may be reimbursed for the expenditures under this type of travel insurance.

Coverage for accidents that result in death, physical injury, or property damage to a third party is provided by personal liability insurance.

• Family and group insurance are eligible for discounts.

Is kitesurfing covered by most basic travel insurance policies?

Even though kitesurfing is included in the list of lower-risk activities, you should check with your travel insurance provider to see if it covers accidents that occur while participating in so-called “adventure sports,” unless you get additional coverage. As a result, before purchasing travel insurance coverage, be sure to check the fine print to ensure that kitesurfing is covered.

Over 500 different sports and activities are included in our coverage, which is broken down into seven different categories. Sports group 1 includes kitesurfing, therefore you’re insured for any activities in that category, as well as any lower ones. If I have a pre-existing medical issue, can I get kitesurfing travel insurance?

Premiums are not affected by a person’s medical history. Medical conditions, injuries, or treatment received in the past two years must be reported to the underwriters, who then evaluate any special terms.

Does the coverage you offer for kitesurfing have a maximum age requirement for participants?

Travel insurance for kitesurfing can be purchased  up to the age of 74.

CAN I GET INSURANCE FOR MY KITESURFING EQUIPMENT?

While kitesurfing is automatically covered in kitesurfing insurance, sporting equipment can be costly, so be sure it’s properly insured if you’re traveling with it.  Many plans cover valuables, including sporting equipment, so make sure you get the appropriate amount of coverage. If your kitesurfing gear is extremely costly, you may add additional valuables cover to your policy, which usually covers up to £1,000 per item (for more information, see our policy wordings).

If you’re going to kitesurf on land rather than on the sea, you’ll need extra coverage because this normally falls under the adventure sports travel category.

A few of  World First insurance team has been kitesurfing for over two decades. As a result of this, they are able to provide kitesurfing travel insurance as an optional add-on to both our Single Trip and Multi-Trip packages. Due to the inclusion of kite buggying and kite surfing, the cost is less than you might anticipate. So, however you choose to fly, they can have you covered at a reasonable price for your next trip.

In addition to the typical coverage for legal advice, personal liability, luggage, cancellation, curtailment, money, and documents, one of our six policies, for instance, includes a gadget extension that protects your phone, tablet, or laptop for up to £1500 in value if it is stolen or damaged. The maximum medical coverage provided by any one of our six policies is ten million pounds. If you require medical travel insurance, they are able to provide coverage for a wide variety of medical issues. If something goes wrong while you’re away, our 24-hour emergency help service is always ready to assist you. The travel insurance package for kiteboarding does not cover you for professional or competitive kitesurfing, but we can cover you if you’re out there to learn, add a few tricks to your repertoire, or simply have fun with it.

WHAT DOES WORLD FIRST KITESURFING TRAVEL INSURANCE COVER?

These travel insurance products are not only quick and easy to understand, but they also include automatic coverage for over 50 sports and activities, including kite surfing. We also provide coverage for a variety of benefits, including:

●Coverage for vacation cancellations ●Coverage for personal belongings and luggage ●Medical and hospital costs are covered. ●Coverage for passports, money, and documents ●Coverage for delayed departure ●Coverage for lodging

WHICH EQUIPMENT IS INCLUDED?

Kitesurfing equipment can be insured for up to £5,600 on your policy. You’ll also be protected if you decide to rent any equipment throughout your vacation. During your journey to and from your final destination, it’s also covered by this policy!

It’s possible to get reimbursed for the expense of repairing or replacing any kitesurfing equipment that is lost, stolen, or destroyed while you’re on vacation.

Combining aspects of surfing, paragliding, windsurfing, wakeboarding, and gymnastics, kite surfing is a one-of-a-kind adventure sport. This combination amplifies the enjoyment and adrenaline surge that can be experienced.  Kitesurfing travel insurance also allows us to exert influence over two other elements: water and air, which we do by riding the waves and using a massive, well-tuned power kite.

If you’re going to be near the ocean or the water, don’t miss out on the opportunity to attempt kite surfing. This will make your vacation truly unforgettable, as the memories of such an adventure will warm you up on cold winter evenings and allow you to brag and show off your images to friends. However, you must keep in mind that this ultimate activity involves both the rewards and risks of various extreme sports.

Have you hired your kitesurfing insurance or not yet?

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Worldwide Kitesurf Insurance

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Specifically designed for your personal and professional kitesurfing activities, the IKO Insurance Program offers all IKO members  peace of mind and covers you in case of unexpected incidents. This master insurance policy is provided by XL Insurance Company SE through the insurance broker Saam/Verspieren Group, two major experts in the field of sports insurance.

Get Covered While You Kite

For students and all kiter levels, the recreational third party liability insurance covers you against claims resulting from injuries and damage to other people and/or their property.

Work With Protection

For Pros from Assistant and Instructors up to Trainers, the professional third party liability insurance covers you against claims for which you are responsible.

Personal Accident Coverage

Compensates you or an assigned beneficiary in the event of disability, rescue or death during your kitesurfing activities.

Kitesurf Events and More Activities Covered

Kitesurf competitions as well as snowkite, stand up paddle, surf, wingfoil and kayak activities are also covered.

Coverage and Amounts

Recreational and Professional Liability

• Maximum limit per claim € 200,000
• Equipment damage excess € 250

Accident (NOT medical coverage)

• Rescue € 8,000
• Disability € 15,000
• Death € 15,000

GET COVERED NOW

From 1st June 2020, insurance is included in all memberships.

Your coverage starts when your subscription, renewal or upgrade payment is completed.

FAQ See all

If you are responsible for an accident involving a third party, then you must submit a claim so the insurance company can reimburse the other person.

Yes, you are covered for material damage, subject to an excess of 250 Euros. If a third party files a claim against you for compensation, contact IKO Support to assist you with your claim.

Yes, you can renew or upgrade your plan before the expiry day to get insured.

Medical expenses are not covered under this insurance. You should use your health insurance if you have any. However, if your injury results in permanent partial or total disability as listed in the policy, you may file a claim for compensation. 

There is no coverage for medical expenses. You should use your health insurance if you have it.

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Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family 

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension   If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

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Cover for 156+ Activities

Whether you'll be scuba diving, kite surfing, jet skiing, bungee jumping, solo skydiving, trekking above 2,500m or kayaking, our Activity Packs can cover various levels of adventurous sports.

Winter Sports

Big Cat’s Winter Sports Extension provides great-value cover for those wishing to make the most of the snow. As well as standard skiing and snowboarding, you’ll be covered for cat skiing, snow skiing, cross-country skiing, off-piste skiing / snowboarding, and snowmobiling.

Helicopter Rescue Included

We know that safety is paramount when partaking in Extreme Activities. So you can rest assured that if something happens and you need to be helicoptered away, we’ve got you covered.

Up to £10m Medical Cover

24 hour emergency helpline, cancellation & baggage cover, claim while abroad, extreme sports travel insurance.

For those wishing to push the limits of adventure, we can offer you our Extreme Activity Pack which provides cover for the following activities:

Canyoning, trekking over 4,600 metres, BMX cycling, paragliding, gliding, parapenting, hang gliding, parascending, hiking over 4,600 metres,  rock climbing, kite surfing and lots more. For a full list of activities covered please follow this link.

The Extreme Activity pack also includes cover for all activities included in the Activity Pack.

Key Features of Extreme Sports Travel Insurance:

• Cover for over 156 sports and activities.
• Emergency Medical and Repatriation Expenses up to £10 million.
• Emergency Dental Cover.
• Cover duration of up to 24 months.
• Baggage Cover
• Gadgets & Valuable Cover 
• One Way Travel.
• No return ticket requirement.
• Free Home visits.
• Policy Extensions whilst still travelling.
• 156+ Sports and Activities.
• Winter Sports Cover.
• Loss of Passport & Visa replacement costs.

Some FAQ's:

Our most popular policy for paragliding is our annual multi-trip policy with the extreme activity pack included. This allows for multiple trips throughout the year (capped at 30 days or 70 days per trip) and paragliding cover on each trip. Medical expenses, repatriation & helicopter rescue are all included. You can also choose a single trip policy, for a short-term policy with the extreme activity pack included, to cover a one-off trip.

Personal Accident cover isn’t quite what it sounds like. If you have an accident and fall over and break your wrist, that’s covered under normal Medical Expenses. Personal Accident is basically: Loss of sight, loss of limb or permanent disablement.

What the Policy says under Section B. Personal Accident:

In the event of the Insured Person sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in his/her death or disablement within twelve calendar months of the injury, the Insurer hereby agrees to pay up to the amount shown in the Table of Benefits applicable to the type of policy purchased and shown on the Validation Certificate.

Provided that:

• A) the death benefit payable is reduced to £1,000 if the Insured Person is under 16 years of age or 66 years of age or over at the time of death B) the total compensation in respect of any one Insured Person shall not exceed £10,000 for BUDGET Policies, £15,000 forSTANDARD Policies or £25,000 for PREMIER Policies.

Definitions

Loss of Limbs : loss or severance at or above the wrist or ankle or total permanent loss of use of an entire arm or leg.

Loss of Sight : total and irrecoverable loss of sight which shall be

considered as having occurred:

• a) in both eyes if your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist.
• b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.

Permanent Total Disablement: A disability which has lasted for at least 12 months from which the Insurer believes the Insured Person will never recover and which prevents them from carrying out any gainful occupation for which they are reasonably qualified by way of training, education or experience.

Special Condition

If an Insured Person was already disabled before the bodily injury or already had a condition which is gradually getting worse, the Insurer may reduce their payment. Any reduced payment will be based on their medical assessment of the difference between:

• the disability after the bodily injury; and
• the extent to which the disability is affected by the disability or condition before the Accident.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

The Additional Mountain Rescue section of cover is a specific level of cover that takes effect when helicopter rescue is deemed necessary by the local Rescue Authorities due to a non-medical emergency such as natural disasters or adverse weather conditions.

This section of cover does not apply to Medically Necessary helicopter evacuations - these costs are covered under the Medical & Repatriation section of cover.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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Any questions? Call us on 01494 887909

Kitesurfing Insurance

Specialist Kitesurfing Insurance

Can’t wait to harness up and let your kite fly? Show us how it’s done, and we’ll be right behind you – because we love the wind whipping through our hair too! Whatever your level, we can provide you with the specialist kitesurfing insurance you need.

If you are taking in the waves of the UK and kitesurfing at home our  Sports Accident Insurance can provide protection against broken bones, lost income and physiotherapy costs. 

But, if you are heading to warmer climes for some kitesurfing action our Sports Travel Insurance is the policy for you. With cover for standard travel items such as delay, cancellation and lost baggage on top of emergency medical expenses you’re fully protected.

To get a quick quote, just select Kitesurfing in our form below, tell us where you are going and when and we’ll give you an instant price with the option to take out your policy in just a couple of minutes.

Get an instant quote

Why choose protectivity, instant quotes & cover.

Often with kitesurfing insurance, you may have to go through the rigmarole of checking your sport is covered with your policy. But with us, just tell us what you plan to do and you’ll get an instant price, knowing you’re covered.

Many Sports On One Policy

It may be that you’re not just doing kitesurfing whilst on your trip abroad, and that’s fine. We include cover for all sports in the same risk group and below as standard on all policies.

Sports Insurance Specialists

Having been providing insurance to sportspeople for over two decades we are experts in knowing just what cover you need when heading abroad for sport.

Excellent Claims Handling

Things can get lost and people do get hurt, that’s why we know the importance of dealing with your claims in the most efficient manner.

What's included in your Kitesurfing Insurance policy?

Our Sports Travel Insurance policies include the following benefits as standard:

Cancellation Cover

We can provide up to £5,000 worth of cover if you need to cancel your trip due to illness or injury prior to travelling or if you have to cut short your break prior to your intended return date.

Sports Equipment Cover

Your board and kite are understandably important to you. That’s why we can give you up to £5,600 of cover against loss, damage and theft for your all important sporting equipment.

Emergency Medical Expenses

If you get hurt abroad the bills faced in hospital can soon add up. Our Sports Travel Insurance provides £10 million worth of cover should you be hospitalised or require repatriation for the expenses you may face.

Activity and Race Entry Fees

If  you suffer an injury that means you cannot take part in a booked event, lesson or competition, you’re covered for up to £500 in order for you to recoup the costs you cannot get back by other means.

Travel Delay Cover

Flight delays are frustrating and can take up valuable sports time. We provide up to £300 worth of cover if industrial action, adverse weather or mechanical breakdown causes a delay to your travel.

Scheduled Airline Failure

If the airline you are booked to fly with goes into administration or suffers financial difficulties resulting in the cancellation of your flight, you’re covered for the costs associated with finding another route home.

I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.

Fantastic claims handling

We aim to make the whole claims process as smooth as possible.

You can see how to make a claim by clicking the link below and downloading the relevant form. Get it back to us and we’ll take it from there.

Further information on our policy

If you have any other questions regarding our Kitesurfing Insurance policy, then feel free to get in touch with our friendly team on  01494 887909 . Our phone lines are open  9am to 5:30pm, Monday to Friday. 

More information on what we can cover on this policy can be found on our FAQs page.

Travel Insurance for Kitesurfers and Kiteboarders

Simple & flexible travel insurance for kitesurfers.

You can buy and claim online , even if you’ve already left home. Simply, insure and go.

Travel & kitesurfing insurance from WorldNomads.com is available to people from 100 countries. It’s designed for adventurous travelers, including kitesurfers & kiteboarders, windsurfers, land kiters and winter kiters, divers, surfing, bungee, free diving up to 50m, and all people that can’t get enough adrenaline – 150 different sports & activities. With cover for overseas medical, evacuation, baggage and a range of adventure sports and activities . Sports travel insurance including kitesurfing and kiteboarding are covered in the Explorer Plan .

7 things you should know about travel insurance from WorldNomads.com

• Internationally recognised underwriters World Nomads is backed by a suite of specialist travel insurers that provide 24/7 emergency assistance, customer service and claims support.
• 24/7 emergency assistance If you need medical assistance or emergency medical evacuation, World Nomads’ multi-lingual team is available 24/7 to connect you with medical treatment and transportation during your trip.
• Buy and claim on the road Had a change of plans? You can extend your period of cover or claim online at any point in your journey. You can even buy a World Nomads policy if you’re already travelling.
• Adventure activity coverage Designed by travelers, for travelers, World Nomads covers over 150 adventure sports and activities so you can explore your boundaries.
• Travel safety tips and alerts World Nomads provides useful and up-to-date travel insurance information and global travel safety advice to help you plan for your journey and navigate the risks.
• Donate and make a difference When you buy travel insurance with World Nomads , you can make a micro-donation to a community development project to help change lives in the destinations that need it most.
• Travel content to help inspire, educate and plan Plan your trip with

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Surfers Hype

Best travel insurance for surfers.

Sometimes, despite the best of intentions and meticulous planning, things still go wrong when travelling. Sometimes it’s just a quick stomach bug, a missed flight, or missing luggage. Other times it can be a lot worse.

When it comes to travel, surfers need to prepare for the worst possible outcome. Granted, so many surf trips are nothing but perfect waves and good friends, but there are risks involved with surfing in a foreign country.

The most obvious ones are :

• Broken bones
• Head injuries
• Eye injuries
• Food poisoning
• Various of foreign bugs bites and viruses 
• We are also in sea creatures’ territory, which presents a different kind of risk
• Some of the best surf destinations can be found in the earthquake-prone ‘Ring of Fire’ like Chile, Mexico, Indonesia, Philippines, Peru, and Papa New Guinea. So nature can be another risk factor you need to consider

We also tend to go quite hard as travelling surfers and in unknown surroundings and unpredictable circumstances, it’s important to have the right safety measures in place.

Having the right safety measures in place is crucial when things go wrong, but it will also help you to relax and surf more freely, knowing your safety is taken care of.

The most important part of your safety measures while going on a surf trip is to get good surf travel insurance, with the right coverage.

Next up comes things as, knowing where the nearest emergency department is, studying the surf breaks before paddling out, having a medical aid kit with you, etc. The better you prepare, the more likely you are to have a smooth surf trip.

Disclaimer : We are not insurance experts. This article is based on our personal experiences and research as travelling surfers, looking for the right insurance coverage. 

Every person’s situation is different – only you can make sure, that you get the right coverage for your needs and circumstances. However , this article will give a good overview of the best options available.

What to look for in a surf travel insurance

If things do go bad, you’re going to need very specific travel insurance. Not having the correct cover can have very fatal consequences. Therefore you need to read all documentation and ask as many questions as needed, to understand what coverage you are getting.

Suppose you are injured, and a very serious medical decision has to be made. In that case, that decision will be based on your insurance cover. If you’re the only person who knows your insurance policy, you need to be able to rattle it off to the person who is trying to help, so take control.

No one can tell you what exact insurance, will be the best for you, because it all depends on things like your home country, your travel destination, the spots you are going to surf at, etc.

Most important surf insurance criteria's

• Medical expenses and cover: If you get hurt, injured, or fall ill during the surf trip.
• Medical Evacuation: The most essential insurance cover you need to have as a surfer. We can’t stress enough, how important this part is, if you are surfing in remote areas, with no big hospital nearby. This is not included in all travel insurances and often needs to be added as an add-on.
• Personal Liability:  To cover accidents or damage caused by you. Many things can happen during a surf trip, you might end up in a car accident or drop in on someone during a surf session, resulting in someone else getting hurt. 
• Medical Evacuation

The most essential insurance cover you need to have as part of a surf travel insurance package is that of a Medical Evacuation. When the helicopters take you to a specific medical facility that can deal with whatever is needed.

Often the smaller hospitals can’t deal with massive trauma and particular injuries. An injury in the Mnetawais will mean that you need to get to Padang. If Padang can’t deal with it, then you will need to get to Singapore. This is what the Medical Evacuation procedure is all about. You would think that all travel insurance for surfers would have such cover, but not all of it does. Even if it does, there are usually several fine points that need to be examined and scrutinized to ensure you have what you need.

An example is a surfer injured at Grajagan (G-land) in Java who had the full insurance bouquet. Still, the medivac component had some exclusion. When the Helicopters were contacted in Bali, they had booked out expensive clients sightseeing over the Bukit. They were not obliged to deal with the injured surfer as his Medevac clause didn’t provide the necessary cover.

Another example is a surfer who went to Mauritius and didn’t bother with medical insurance because who needs medical insurance in a benign destination like Mauritius? A bite to eat at a food truck in the car park by One Eyes surf spot in Le Morne resulted in chronic food poisoning. He was hospitalized, and the bill was more than his 5-star luxury resort bill for him and his wife.

You need to be super-aware of your insurance covers, and you need to look out for the ‘extreme sports’ exclusions. Even when ‘extreme sports’ (Surfing) is included, there might be exceptions where your surf travel insurance will not have the right coverage. Some insurance companies don’t offer coverage to professional athletes and people traveling for competition. Other insurance makes it clear in their fine print that sports such as surfing needs to be performed under supervision or at a beach with observation and official guidelines. Travel insurance for surfers isn’t going to be worth much, if surfing is classified as an extreme sport and is not covered, or if the activity needs to be performed under some very strict rules.

The additional rule of thumb when it comes to surfing travel insurance is to get maximum coverage. If you’re going to get insurance, which you obviously should, you might as well get the best available.

Additional Insurance criteria’s

Surf travel insurance is not only about medical expenses, though. There are many other relevant avenues of insurance. 

• Trip cancellation : It might not be our fault, but a loved one or a travel partner might get sick or injured, bringing your trip to a grinding halt. This sort of cover is available.
• Baggage protection : Have your luggage stolen while in Bali or the Philippines or Hawaii, and surf travel insurance has got you covered. This is over and above your medical insurance and the medivac insurance mentioned earlier.
• Surfboard cover : This might be included in your pre-existing household insurance, but it might not. It is easy enough to add on some insurance for your boards, for breakage during your flights, and sometimes even for breakage while using them. 
• Theft : This might include the theft of passports, money, or valuables.

best insurance companies for surfers

Insured nomads.

Whenever we plan a surf trip, booking our travel insurance is a crucial part of the process. Nowadays, we favor Insured Nomads and they have become our new go-to insurance provider. But why?

Before we discovered Insured Nomads, our relationship with insurance providers was often very similar, and it was not exactly a process we enjoyed. However, proper insurance is such an important safety precaution to take when traveling – especially as a surfer. So we have always prioritized it.

Insured Nomads is the first company to make us genuinely excited about insurance! and hey! – Don’t let yourself fool by their name. Insured Nomads help any type travelers; from backpacker to surfer!

Their innovative approach to the industry has led to a product that stands out from all competition. They have created an insurance service that removes all the uncertainty and worry associated with surf travel.

According to their FAQ , surfing is included in both of their travel insurance plans. As long as your surfing activity is non-professional and non-competitive, it is considered recreational and considered under coverage. So to clarify, no additional adventure- or extreme coverage is required to have it as a covered activity.

Their INC membership and the App takes away all the paperwork, provides you with instant support, and helps you find the nearest doctor or medical facility. Your appointment gets booked through the App, and your pre-paid Credit Card covers your medical bills. Simple, stress-free, and reliable. Insured Nomads has made it easy to deal with travel insurance.

They cover:

• 24 Hour Emergency Medical Care
• Evacuation and Repatriation
• Emergency dental and eye care
• COVID-19 Cover
• Acute Onset of Pre-existing Condition
• Local Ambulance Transport
• Lost checked luggage
• Telemedicine (in the USA)
• Personal liability
• Adventure sports option
• Marine activities option
• Included emergency medical, terrorism & natural disaster evacuation
• High sum for overseas medical expenses
• 24/7 crisis response, emergency assistance, and real-time alerts
• Mental health professional multilingual counseling
• GPS-enabled SOS/panic button response
• Cybersecurity and online privacy protection
• Airport lounge access through InstaPassSM when registered flights are delayed
• Warzone & hotspot coverage option including medical, safety, security, search & rescue, kidnap & ransom

What’s not covered:

• Participation in competitions

World Nomads

A popular travel insurance company, World Nomads have many travel insurance options. World Nomads is one of the leading insurance providers for backpackers and deal with surfers and other board riding disciplines regularly and talk the surf language. They have made a specific landing page for surf travel, to make the process easier for you. Furthermore, it’s easy to make a claim online as well as extend your policy while traveling.

Besides regular surfing, their coverage includes the sports of Stand Up Paddleboarding, Windsurfing, and Kitesurfing, amongst others.

• Protection of gear in case of loss, theft or damage
• Emergency Medical
• Trip protection in case of cancellation, Interruption or delays.
• 24-Hour Assistance Service
• NB: No coverage for the US
• This insurance does not cover angles like big-wave surfing if you’re a beginner, as well as competition surfing
• Expenses related to any pre-existing medical conditions
• Expenses that can be recovered from another source, such as your life insurance, home insurance for belongings, etc.
• Search and rescue costs
• Competition surfing
• Damage related to the wear and tear of your surf equipment
• And obviously you will not be covered, if you are surfing under the influence of drugs or alcohol, or both. 

Surf Travel Insurance

(for australian and american residents).

It is the most popular Australian surf travel insurance company. Also, it speaks the language of the surfer on their website and in the documentation.

With their surf-friendly website and unique expert knowledge, they are the right fit, when it comes to understanding the insurance needs of surfers.

Medevac Evacuation plans

Surfboard cover

Remote destination cover

Snowboard cover

Moped and motorbike cover

• Credit for unused travel insurance

It is a bit of a challenge to see precisely what their exclusions are and what they don’t cover, so this will need to be examined on the actual quote.

Seven Corners Insurance

Another well–known and popular brand, Seven Corners is also a reputable brand for travel insurance for surfers. While not as expressly surfer-friendly, their coverage is extensive and meticulous.

• Cancellation cover
• Baggage loss
• Medical cover
• Medical evacuation

Seven Corners Insurance does have certain destination restrictions, but not really for surf destinations. 

Limitations and restrictions regarding surfing, needs to be examined in the actual quote.

G1G Insurance

This is a great and seemingly understanding surf travel insurance company with a few additions pleasing to the surfer’s ear. The fact that you can choose your extreme sports level and purchase the entire adventure travel plan online is a great start.

They cover all sports like ‘bungee jumping, surfing, scuba diving, skiing, zip-lining, and any other activities on the bucket list. They even cover the most extreme sports, like skydiving and black water rafting, but it needs to be included in your custom offer. One of G1G Insurance’s advantages is that you can talk to a consultant to make sure that the package you are on has everything needed for the adventure you are planning.

• All types of extreme sport 
• Individual cover as well as for the entire family

Emergency medical evacuation

• Trip protection is not included (needs to be purchased as an extension)
• You get a customized offer for the extreme sport of choice (surfing). Other kinds of extreme sports may not be covered if you haven’t included them
• The insurance packages are pretty specific, however. If you buy the snowboarding package, you are not necessarily covered for surfing. Check the list for the riskiest activity level of the two, and that will see you covered for both.

Safety Wing

This travel insurance company has several options that will appeal to the travelling surfer. Their leading offers are for Nomad Insurance and Remote Health Insurance. The biggest advantage of Safety Wing is the flexibility they offer for longer trips and the easy online process.

• Travel delay or trip interruption

Lost baggage (flight)

Lost passport

Natural disasters

• Political evacuation

The things that don’t cover are very interesting. You’re good as long as you’re not into sky surfing, snowboarding, or kite surfing,

Safety Wing Travel Insurance has a very long list of what is covered and what is not, and it is one of those situations where you need to check the specific terms in the quote you get.

For instance they will not cover any surfing activities related to competition. You are not covered either by the insurance terms if you surf at a beach without any official guidelines or observation. 

Insurance providers that stands out

There are so many options for surf travel insurance that it is hard to find which company would offer the best surf travel insurance. The easiest route to choosing the best travel insurance for surfers would be to select the insurance company that seems to best understand the sport of surfing and the actual needs of a surfer.

Surfing is not an extreme sport for most of it, nor is it an endurance sport. There are no required safety equipment essentials that need to be worn. There are no other settings or skill sets that need to be ascertained beforehand. A good travel insurance company would do this research early. To be able to offer surfing travel insurance to surfers, a lucrative market.

Best option for surfing

Two companies stand out because they really seem to know what surfers need and thereby be able to provide the best-suited insurance plan.

These two brands are Insured Nomads and Surf Travel Insurance (AU & US). Both have a very clear and concise understanding of a surfer’s needs, as well as the nuances and idiosyncrasies of the travelling surfer, with boards, dangers, and most apparent medical needs covered.

Both of these companies, it seems, have surfers working for them, or they are consulting with surfers to ensure that they get the needs of the surfers spot-on.

Best option for any extreme sport

G1G Travel insurance is among our favorites since they have the least exceptions to their policies and are the only provider who can cover all kinds of extreme sports. However you need to know beforehand what activities you are planning on doing, so you get everything included in your custom offer.

We find the G1G Travel insurance most suitable for families since they can provide a package deal with coverage for the entire family.

Our favorite thing about G1G is the fact that you can talk to one of their consultants, who are highly qualified and will know what you need for your personal circumstances.

Best option for flexibility

Make it a top priority.

It pays to be indulgent and careful when it comes to surf travel insurance. Don’t skimp. The day that you scrimp on surf travel insurance will be the day that you need it!

While surf travel insurances can be a bit of a jungle to navigate, we hope this article gave you some clarity and knowledge about some of the best providers on the market when it comes to surf travel. Once you have decided on an insurance provider from the list, the next step is to get a quote from them and go through all the specifics, to make sure the terms and conditions suit your personal needs and circumstances. Once you have your surf travel insurance in place, all there is left is to relax and enjoy your vacation.

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Insurance for Travel Covering Adventure Sports to Relaxing Getaways

Welcome to Surf Travel Insurance – your trusted travel coverage partner for individuals across the United States, whether embarking on domestic getaways or international adventures. With strong collaborations with respected American and global insurers, we provide specialized comprehensive plans designed to cater to the unique needs of American residents. Explore with confidence, knowing your journeys are shielded every step of the way, allowing you to fully immerse in the thrill of discovery.

HOW DOES SURF TRAVEL INSURANCE Work?

Surf Travel Insurance uses advanced technology to customize your travel insurance to match your unique trip. This is done by evaluating insurance options based on factors such as your nationality, type of vacation, and any sports related activities you plan to participate in.

In the United States, we have a special partnership with Generali U.S. Branch to provide coverage for both domestic and international travel. To get your quote, simply click the LINK below. If you are a resident outside the U.S., please select either “ Rest of World ” or “ Australia” .

In the United States, we have a special partnership with the Generali U.S. Branch to cover both domestic and international travel. To get your quote, simply click the LINK below. If you are a resident outside the U.S., please select either “ Rest of World ” or “ Australia” .

Know who has you covered.

Generali U.S. Branch Is part of the Multinaltional Generali Group. Generali Prides Itself On Delivering A Simpler, Smarter Approach To Insuring And Servicing Millions Of Customers Each Year.

Choose your sport.

For adrenaline-seeking and adventure sports enthusiasts, both locally and abroad, it’s crucial to be prepared for medical emergencies and evacuation in remote locations. To ensure you have peace of mind while participating in your favorite sporting activities, we have access to plans that fit your needs for medical and evacuation, as well as coverage for your sporting equipment.

With hundreds of sporting activities covered, we have selected our most popular below.

Click here to learn more.

Mountain Biking

Diving & Snorkeling

Snowboarding & Skiing

Book your travel..

Surf Travel Insurance has partnered with Skyscanner to bring you competive quotes for all your travel needs. Fill out the quote tool below to get the best price on airfares, hotels and car hire.

Cover your equipment While travelling.

Getting coverage for your equipment is essential, as travel can be rough on your sporting equipment both during travel and before use at your destination.

Before each trip, it is recommended to take photos of your gear and equipment to document its condition, and these can also serve as evidence for any potential compensation and claims. If your sporting equipment is damaged, lost or stolen during your trip, this coverage may reimburse you.

Coverage for Sporting Equipment and Sporting Equipment Delay is not available on the Standard Plan. Plans are subject to certain terms, conditions, and exclusions. Please read your Plan documents carefully.

Mountain Bikes

Dive Equipment

Passport & Documents

Laptop & Computers

Fishing Gear

Camera Equipment

Sporting Equipment

Travel & insurance news..

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WHO IS SURF TRAVEL INSURANCE?

As the leaders in surf travel insurance since 2009, we have evolved into a InsureTech company specializing in multiple sporting and adventure activities with access to multiple trusted insurers. Here, in the United States we have an exclusive agreement with Generali U.S. Branch for domestic and overseas travel.

With offices in Florida, Hawaii and Australia, our friendly team are on hand for customer inquiries for adventure sports through to leisure holidays. Our B2B team, network with tourism operators to provide their guests with a choice of travel insurance solutions for adventure and sporting experiences.

Head Office – Florida

+1 727 214 5977

[email protected]

7901 4th St. N STE 11853 St. Petersburg, FL 33702

STI Surf Travel Insurance LLC. L22000502294

As the leaders in surf travel insurance since 2009, we have evolved into a InsureTech company specializing in multiple sporting and adventure activities with access to multiple trusted insurers worldwide. Here, in the United States we have an exclusive agreement with Generali U.S. Branch for domestic and overseas travel.

With offices in Florida, Hawaii, and Australia our friendly team of insurance experts are on hand for customer inquiries for extreme sports through to leisure holidays. Our B2B team, network with leading tourism operators worldwide to provide their guests with a choice of travel insurance solutions for adventure and sporting experiences.

PO Box 97 Burleigh Heads Queensland 4220 Australia

© 2023 Surf Travel Insurance. All rights reserved. | Created by Parallax Creative

Choose Your Travel Plan

When you go away there are certain things that should be covered, so get your quote now and compare coverage on travel plans.

Trusted by over 6 million travelers every year. Travel insurance plans from Generali Global Assistance are only for U.S. residents.  

Insurance Coverages

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Kitesurfing Travel Insurance

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Insurance is suitable for citizens from any country and with any citizenship

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The perfect travel health insurance that quickly solves problems of the tourist

The best health insurance for tourists. A single convenient tariff plan that includes all options. Price 1,5 USD for each day of travel

• Coverage of treatment for COVID-19
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We recommend including additional insurance in the policy

No deductible Deductible is the amount that the client must pay upon the occurrence of an insured event. Example: The hospital fee is $1,000. The deductible under tariff is 100 USD, the client pays 100 USD, and the insurance company pays 900 USD. Thus, the amount is divided between the client and the insurance company in accordance with the terms of the tariff plan.

Trip cancellation any serious injury of unforesseen medical condition that makes you unfit for travel (by order of licensed physician). the death of you or your travelling companion, or the death of a non-travelling family member. strikes or severe weather that result in travel services being unable to operate.unforeseen natural disasters at home or at the destination that make them uninhabitable. a legal obligation such as jury duty or being served with a court order or subpoena., search and rescue operation including evacuation by helicopter. up to 6000m, premium loss of baggage.

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What is a deductible, is travel insurance required, can i buy an insurance policy when i am already in another country, when does the insurance policy take effect, in what language should i write the information when buying, what should i do if the data is entered incorrectly, how to buy insurance for a child, how to issue an insurance policy for another person, which country should be indicated in the policy if i plan to travel to two or more countries in a row, what should i do if the payment has not gone through, how long does it take to receive the insurance policy after payment, how will the policy be sent, i have not received my policy. what should i do, what to do if an insured event occurs, how is monetary compensation after an insured event carried out, can i buy insurance for one day, is it necessary to buy insurance when flying on a transit flight, select a country and language, write to the director, type of travel.

Please select the type of travel that covers the majority of risks during your trip.

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• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
• Alpine skiing and snowboarding on specially equipped or marked tracks (except freestyle);
• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
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• Sports and ballroom dancing.
• Motor sports on special tracks;
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• Wakeboarding;
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• Pogo-stick;
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• Exacerbation of chronic diseases
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305KITESURF

7 tips for kitesurfing travel..

Traveling for kitesurfing is an exciting adventure that can take you to some of the most beautiful and unique locations worldwide. Planning a kitesurfing trip can be daunting whether you are a novice or an experienced kite surfer. Some tips can help make the process easier and more enjoyable. This blog post will discuss seven tips for successful  kitesurfing travel .

Invest in Good Quality Gear.

When planning your kitesurfing travel, it’s essential to make sure you have the right gear. Investing in good quality gear is critical to having a safe and enjoyable experience on the water. This includes kites, boards, foils, and lines. Twin tips and airlines are a must for beginners, and for those looking for extra performance, a foil can be a great option. 

Your beach spot or ocean conditions will also affect what gear is best for you. Depending on your destination, you may need additional safety features such as a wetsuit or impact vest. Research the area before your trip and consult with a kitesurfing group or party for their advice on what gear you should bring. Having the right equipment is essential to making sure you have a successful kitesurfing trip.

Get Good Travel Insurance.

Kitesurfing is a great way to explore the world and enjoy an adrenaline-filled adventure. But before you head off on your next kitesurfing trip, you must ensure you’re covered with the right travel insurance.

Whether planning a week-long kitesurfing holiday or just a one-day surf party, you’ll want to ensure adequate coverage for medical emergencies, lost luggage, and other unexpected events. Travel insurance policies typically cover medical expenses, repatriation costs, trip cancellations, missed connections, and personal liability.

If you’re traveling to remote areas with limited access to healthcare facilities or planning extreme sports activities like kitesurfing, you’ll want to ensure your policy covers these activities. It’s essential to read the fine print and choose a policy that offers the correct coverage for your trip.

By investing in good quality travel insurance, you can rest assured that you’re protected in case of any unexpected events while kitesurfing. So remember to include travel insurance as part of your next kitesurfing adventure.

Choose the Right Destination.

When it comes to  kitesurfing travel , one of the most important things is to choose the right destination. You want to pick a place that offers the perfect conditions for kitesurfing, such as steady winds, flat water, and plenty of room to practice your skills. You also want to find a spot with plenty of activities outside of kitesurfing. Look for places with great nightlife and fun outdoor activities like beach parties.

Take the time to research different kitesurfing spots and read up on reviews from past travelers. Ask friends and family who have already gone kitesurfing where they went and what they enjoyed about the destination. Consider the cost of travel to and from the goal and the price of accommodations in the area. This can help you determine if the destination fits within your budget. 

Doing your research ahead of time will ensure that you have the best  kitesurfing travel  experience possible. Make sure you choose the correct destination for your next kitesurfing vacation!

Check the Weather Conditions.

One of the most critical aspects of planning a successful  kitesurfing travel  experience is checking the weather conditions in advance. Knowing what to expect during your trip will allow you to decide when and where to go kitesurfing. If you’re planning on hosting a kitesurfing party, it’s essential to check the forecast to ensure that there will be enough wind to get everyone out on the water. Check the local forecasts and those of neighboring regions to ensure you’re choosing the best spot. Consider checking wind and wave forecasts a few days in advance so you can adjust your plan if necessary.

Learn Some Local Language.

Learning a few key phrases in the local language of your kitesurfing destination can go a long way. Not only will it help you communicate better with locals and get around the area more quickly, but it also shows respect for their culture. Even if you don’t become fluent, you can still pick up enough words to order food and drinks, ask for directions, or converse. Plus, it’s a great way to learn something new and have fun. If you have time before your trip, consider taking language classes to prepare yourself. If not, many online resources, such as Duolingo, can help you learn quickly and easily.

Respect the Local Culture.

When traveling to a new destination, one of the most important things you should remember is to respect the local culture. Respectful behavior and an appreciation for the locals’ customs, beliefs, and ways of life will make your trip more enjoyable. Here are a few tips on how to show respect for the local culture:

• Educate yourself about the local culture before you go. Read up on the history and customs of the area you visit and learn some key phrases in the local language.

• Be mindful of your behavior and dress appropriately. Some cultures have different customs regarding dress, behavior, and gestures than you may be used to.

• Show respect for the local wildlife and environment. Respect their habitats and do not take anything from nature unless necessary.

• If you plan to visit religious sites, dress respectfully and avoid loud conversations and disruptive behaviors.

• Respect local customs when taking photographs. Ask permission before photographing or filming anyone, and do not take pictures of restricted areas.

• Be mindful of where you eat and drink. Be aware of any cultural or religious restrictions on certain types of food or alcohol, and if in doubt, ask someone knowledgeable in the area for advice.

Following these tips will ensure that your kitesurfing trip is a respectful and positive experience for yourself and the local people you encounter.

Have Fun and Be Safe.

Kitesurfing is a thrilling sport that can be enjoyed worldwide. However, it is essential to remember to have fun while staying safe. 

One of the most important safety precautions when kitesurfing is to make sure you know your limitations. Only try tricks or jumps once you are experienced enough to do so safely. Ensure you always stay within your skill level and never attempt something that could potentially put you at risk.

It is also essential to ensure you are aware of your environment when kitesurfing. Before beginning, check the area for potential hazards, such as rocks or shallow waters. Wear a life jacket and ensure you follow all local regulations and laws.

Finally, kitesurfing should be enjoyed in a way that respects nature—practice responsible behaviors that protect the environment, such as avoiding plastics and littering. Additionally, respecting other kitesurfers and giving them plenty of space to avoid collisions is essential. 

Kitesurfing is an incredible way to explore the world and have some fun. If you practice safety, respect the environment, and stay within your skill level, you can have an unforgettable time kitesurfing while also staying safe.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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• Car Insurance
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Our Pick Of The Best Boat Insurance For Australians

Published: Apr 18, 2024, 8:17pm

It may not come as a surprise that Australians love taking boats out on the water as 87% of the population live within 50km of the coast. Data from the Boating Industry Association for 2022/23 shows that 2.5 million Australians have a boat licence—that’s almost 10% of the population.

As a boat is a considerable investment, it’s a good idea to protect it as you would your car. Boat insurance can offer similar benefits to car insurance , such as cover for damage to the boat itself and its contents, and legal liability, if you damage someone else’s property, or someone is injured or dies as a result of an accident you’ve caused.

However, it additionally offers more boat-specific cover, paying out for environmental damage caused by an oil, fuel or waste leakage, for example. Many policies also offer cover for sailboat racing and waterskiing, typically as an optional extra and for an additional premium.

As all policies differ in their features, it’s essential to compare them to find what you need for a suitable price. You should first decide, if you need third-party only; third party, fire and theft; or comprehensive cover which protects against the widest range of eventualities. We’ve conducted extensive research into the latter, to find what we consider to be the best comprehensive policies. All policies include cover for loss or damage to your boat as a result of storms, floods, fire and theft. You can find out how we scored them in the methodology section further down this page.

Note: the below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

Nautilus Marine Boat Insurance

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Agreed or market value

• Choice of repairer

Liability cover

Limit not readily disclosed

This offering is the most comprehensive we found, covering your boat up to 250 nautical miles from the Australian coastline. Unlike most boat insurance policies, there’s the option to have your boat insured at market or agreed value.

There’s $5,000 each for emergency expenses and funeral costs, $20,000 for personal effects, $500,000 for marine damage, and $50,000 for related fines and penalties. This policy also allows you, rather than the insurer, to choose a repairer for your boat if damaged. Additionally, you have a choice of how much you pay in excess on accepted claims, which can lower or raise the policy premium, to a more favourable level. This policy is also a rare one in that it automatically covers sailboat racing, limiting the distance to up to 100 nautical miles. Additional cover can be purchased for longer races. Note that while this policy offers legal liability cover, the limit is not disclosed.

Aside from comprehensive cover, this insurer also offers third party only, extended blue water yacht racing and blue water cruising policies.

• Lay-up discount available
• 21-day cooling off period
• Insures at market value or agreed value
• No rescue cover
• No salvage cover
• Cover for ‘reasonable’ repairs at market value only

$10 million

As is common with boat insurance, this policy covers you up to 200 nautical miles off Australia’s shores. However, it offers up to $10 million in salvage and removal cover, which is relatively high compared to policies provided by other insurers.

It also includes $250,000 to cover the cost of removing or containing damage caused by pollution from your boat and related legal costs, if your boat is stranded or damaged. There’s $5,000 each for emergency repair, the boat’s contents and fatal injury. Unlike certain policies, this one also covers rescue, paying out up to $5,000. However, one drawback is that your boat can only be insured at agreed value. A lay-up discount and cover for sailboat racing and watersports are optional extras that can be added.

If you make a successful claim, the policy allows you to choose the repairer. You can also pay an excess amount that you choose on taking out the policy. Paying a low amount in excess typically raises the policy premium and vice versa.

This insurer also offers third-party boat insurance as an alternative to comprehensive cover.

• $10 million legal liability
• Rescue cover included
• Insures at agreed value only

This policy pays out up to $5,000 for emergency expenses, and covers damage up to the agreed value, as long as your boat stays within 200 nautical miles of Australia’s coastline.

It also covers rescue up to $5,000 and salvage costs, as long as they are ‘reasonable’, while $250,000 is available for clean-up expenses to remove, contain or clear debris and liquid from your boat as a result of an insured event. For funeral expenses, there’s $10,000, while $10 million is provided in legal liability cover. However, content cover is only available to bolt on to the policy as an optional extra. Insurance for sailboat racing and watersports are also available as add-ons, for an extra premium.

Unlike certain policies, you can choose a repairer, which is an added bonus. You also have a choice of how much excess you pay on each accepted claim. Note that this comprehensive offering is the only type of boat cover this insurer offers.

• $250,000 clean-up costs
• Covers ‘reasonable’ salvage costs only
• Contents cover not automatically included

Suncorp’s comprehensive boat insurance offers a suite of attractive features: there’s $10 million in salvage and removal cover; an equal amount in legal liability cover; $250,000 for pollution by oil, fuel or waste; and $5,000 each for emergency expenses, the boat’s contents, and for fatal injury.

The policy will remain valid up to 200 nautical miles from Australia’s shores, covering your boat at agreed value only and paying out up to this value for rescue. Note that if the boat is damaged, only the insurer can choose a repairer. However, you will have a choice of how much excess you pay on accepted claims, when you first take out the policy. Paying more in excess can lower your policy premium and vice versa.

Cover for sailboat racing and water-skiing can be added on to the policy at an extra cost. This insurer offers third party cover, as an alternative to comprehensive cover.

• No choice of repairer

This policy will cover your boat up to 200 nautical miles from Australia’s coastline, covering ‘reasonable’ repair costs up to an agreed value only. However, it allows you to choose a repairer, if you wish, and offers several excess options to choose from when taking out the policy. Opting to pay a higher excess on accepted claims can lower the policy premium and vice versa.

The policy also includes salvage cover, though no specific limit is readily provided, and $10 million in legal liability cover, including $250,000 for clean-up costs. It also offers $10,000 for funeral costs, up to $800 for emergency repairs and an additional $1,000 to cover emergency transport and accomodation. There’s $1,000 to cover the boat’s contents, which is relatively low compared to other insurers, but there is the option to increase this amount to $1,500 by paying an additional premium.

This policy does not cover rescue, but insurance for sailboat racing and water-skiing are available at an additional cost. This insurer also provides third party insurance as an alternative to its comprehensive offering.

• 21-day cooling period
• $800 only for emergency repairs

In addition to $5,000 in cover for rescue, Apia’s comprehensive boat insurance includes $10 million each for salvage and legal liability. It also offers $250,000 for clean up and $5,000 for emergency expenses.

For fatal injury, there’s $5,000, while up to $250 is provided for the boat’s contents and $250 for personal effects. Cover for sailboats and watersports come as optional extras, at an additional cost. Cover remains valid up to 200 miles from the Australian mainland and Tasmanian coastlines.

The policy offers several excess amounts to choose from, allowing you the ability to lower your policy premium, if you prefer to pay more in excess, and vice versa. Note that the insurer will choose a repairer for you on this policy. As an alternative to comprehensive cover, it also offers third party insurance.

• $10 million salvage
• Insured at agreed value only
• No lay-up discount

Youi Comprehensive Boat Insurance covers you up to 200 nautical miles from the Australian and Tasmanian coastlines, providing $1,000 for emergency repairs, transport and accomodation. However, it insures at market value only and you can’t choose the repairer if you’re boat is damaged.

There’s $1,000 for the boat’s contents, $10 million for legal liability and $5,000 for accidental personal injury. The latter rises to $10,000, including for funeral expenses, if injury leads to death. The policy also includes $150,000 for salvage costs and $250,000 in pollution cover. Note that the policy does not include cover for rescue, and offers a 20-day cooling off period, which is slightly shorter than the 21-day period offered by many insurers. Social sailboat racing cover is available as an optional extra for an additional premium, but water-skiing cover is not provided.

As well as comprehensive cover, Youi offers a third party property only policy, and third party fire and theft insurance. It also provides a choice of excess amounts, allowing you to raise how much is levied in exchange for a lower policy premium, or vice versa.

• $10 million legal liability cover
• Insurer offers good range of policy types
• $10,000 accidental injury cover
• Market value only
• Water-skiing cover not available

While pleasure boat insurance is Club Marine’s most comprehensive offering, it also provides third party cover. The former, which we analysed, can cover your boat at market or agreed value, up to 250 nautical miles from Australia, protecting it against damage costs up to the policy limit. You, rather than the insurer, can choose a repairer when needed.

The policy also includes $10,000 for personal effects, $500,000 to cover clean up costs, and covers ‘reasonable’ costs for salvage. Insurance for water-skiing and sailboat racing can be bolted on to the policy at an additional cost. You can also add cover for emergency measures if you choose, but such scenarios are only covered up to a ‘reasonable’ amount. There is no automatic or optional cover for rescue.

You can choose from a number of excess options when taking out the policy, which allows you to raise the excess to lower the policy premium or vice versa, depending on your preference.

• 14-day cooling period
• Lay-up discount optional

To find our pick of the best comprehensive caravan insurers in Australia, Forbes Advisor analysed 14 of the most popular companies in the country.

Our analysis included comparing how a boat is insured (whether by market value or agreed value); policy benefits, such as cover for emergency expenses and accidental damage; and an in-depth review of each provider’s product disclosure statement (PDS) to evaluate any exclusions and extras.

The policies were compared across the following 16 key data points:

Market versus agreed value: Can owners choose how their boat is insured? Choice of repairer: Can boat owners choose the repairer? Choice of excess: Do boat owners have a choice of how much excess they pay? Note that paying a high amount in excess usually lowers the policy premium, and vice versa. Cooling-off period: What is the cooling off period for purchase? Emergency expenses: Are boat owners covered for emergency expenses and by up to how much? Above $1,000 is great. Fire and theft: Does the policy include fire and theft cover? Legal liability: As boating and its equipment is expensive, is there at least $10 million for damage a boat owner may accidentally cause with their boat? Contents cover: Are the contents of the boat covered by more than $4,000? Natural disasters: Is there cover for floods and storms? Funeral services: Is there at least $10,000 or more for funeral expenses? Salvage costs: Is there at least $10 million for salvage operations? Clean-up costs: is there at least $250,000 for clean-up costs? Rescue services: Is there at least $5,000 for rescue services? Water-skiing: Is there cover for water-skiing automatically or as a policy add-on? Sailboat racing: Is there cover for sailboat racing automatically or is there an add-on? Discounts for ‘lay-up’: Does the insurer offer lay-up cover to allow owners to save on their premium when the boat is stored?

These variables were compared to complete an overall ranking of each comprehensive boat insurance provider. Each provider was ranked between one and five, with the leading providers (being those ranked higher than 3.5) included in the above best-of list.

A Note on Star Rankings

You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

As the name suggests, cover for boats can protect you when using a vessel such as a motorboat, yacht, small craft or super yacht. An insurer will be able to tell you what type of vessels it specifically covers. Similar to car insurance, the following types of boat cover are available:

Third party only: Protects against claims of injury or death, or damage to property by passengers or other third parties. Third party, fire and theft: Covers everything a third party only policy does, as well as someone stealing your boat and damage caused by fire. Comprehensive: Covers the widest range of unexpected emergencies, including those caused by theft, accidents and natural disasters.

The benefits of boat insurance can differ between policies. However, you’ll find that most comprehensive policies tend to include cover for the following:

Accidental loss and damage: This can include cover for theft, impact, sinking, fire, a storm, malicious damage and transit damage, when your boat is being transported on its own trailer

Emergency expenses: Covers the cost of emergency assistance such as the towing of your boat to the nearest safe place, or for the delivery of fuel, if your boat is stranded due to an emergency or unforeseen incident. It can also cover urgent repairs.

Personal effects/contents: Insures you for theft, loss or damage of belongings owned by you and depending on the insurer, your passengers, which are being used or stored on your boat at the time of an incident. This can include clothing, fishing and diving equipment and unfixed furniture. There are typically exclusions to this cover such as jewellery, money and mobile phones. Sub-limits on cover may also apply to certain items. Clean-up: Covers the cost to remove, contain or clear waste and pollution caused by your boat. Salvage and removal: Covers the cost of recovering your boat and moving it to a safe place in the event your boat is stranded or damaged in a covered incident. Legal liability: Covers you for injury to other people or damage to someone’s property when using your boat. Funeral expenses: Pays out following the accidental death of an insured person on the policy while boating.

A policy may also include cover for rescuing from a stranded boat, while insurance for sailboat racing and waterskiing may each come as optional extras that you can bolt on to your policy at an additional cost.

In addition to the types of cover included on a policy, you’ll also want to find out how far you can take your boat from land. Typically, you can travel 200 nautical miles away from Australia’s coastline without invalidating your policy. Certain insurers may allow you to travel farther out. You may also want to check if you can choose the repairer if you claim for damage, or if the insurer must choose.

Certain policies may offer a lay-up discount, often as an optional extra. This is when you can nominate certain months in the year that you don’t use your boat, and the insurer will charge you less for your policy during these times. This discount is worth considering, in addition to the policy premium (the cost of the policy). You’ll also want to weigh these factors up against the excess you’re typically required to pay on each accepted claim. This sum is usually automatically deducted from the claim amount. On taking out your policy you may have the option to choose an excess amount. While lowering it can usually raise your policy premium, paying more in excess could lower your policy premium to an amount that you may prefer.

Most insurers offer either agreed value or market value policies. However, some insurers may offer the option to insure at agreed value or market value, depending on your preference, although this is rare.

On an agreed value policy, the value is determined through a boat valuation you arrange before the policy starts. This must usually be carried out by a registered boat dealer or broker who specialises in your type of boat.

On a market value policy, the value of your boat will be determined at the time of claiming, typically using dealer or repairer valuations or industry publications.

You’ll want to read a policy’s PDS thoroughly before deciding whether it’s worth purchasing. This should be available to view on the insurer’s website. It will detail what the cover includes and excludes, as this differs between policies.

Insurers usually offer a 21-day cooling-off period during which you can cancel your policy and get a refund, should you change your mind and haven’t yet made a claim.

Certain policies may come with a shorter cooling off period of 20, or even 14 days. As with all the details of your policy, you can check how long this period will last in its PDS.

A quick way to compare boat insurance policies is to run quotes on the websites of individual insurers. Shopping around will raise your chances of finding a suitable policy, at the best price available.

As well as the cost of a policy, you will be able to compare factors, such as the types of cover included, cover levels and the amount of excess levied on each successful claim you make.

First, you’ll need to enter a few details into the insurer’s online quotation tool to give it an idea of the type of boat that needs covering, how you use it, its speed and engine type, where you store it when not using it and more. An insurer will also want to know information about you, such as your age, and boating experience.

Data Research: Mia Dunn

How much boat insurance do I need?

The amount of cover you will need will depend on factors such as the value of your boat and the contents inside, whether it will be insured at agreed or market value.

You’ll want to carefully look through a policy’s PDS to find out exactly what it does and does not cover. You may want to consider a different policy if it automatically includes cover you don’t need such as water skiing insurance.

What is the best boat insurance policy?

Our above ranking of what we consider to be the best comprehensive boat insurance policies gives you an idea of how they compare based on what we’ve identified as key factors.

In addition to the levels of cover available, we considered whether owners can choose the repairer that fixes their boat, whether they have a choice of what they pay in excess, how long of a cooling off period is provided, should they wish to cancel their policy and get a refund and more.

However, the best boat insurance for you will ultimately come down to your personal preferences, budget and needs.

How much is boat insurance in Australia?

According to the Pacific Boating club, insuring your vessel can cost upwards of $300 per year.

The specific price will be based on factors such as the size and make of your boat, as well as the type of policy you choose.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.