Surfing Insurance FAQ's

Planning a surfing holiday!

Whether you are a beginner or an experienced surfer able confidently drop into hollow reef breaks, surfing has its risks and that’s why it’s important to stay safe in the line-up.

Surfing Travel Insurance for Surfing Adventures

Travel Insurance from World Nomads provides cover for conventional and recreational surfing as well as other sporting adventures for residents of USA, Hawaii, Brazil, Europe, UK, Japan, New Zealand, Australia and over 140 other countries.

Am I covered by travel insurance when surfing?

Although there are numerous scenarios around surfing misfortunes and travel insurance which could take a while to answer here are a few common questions to consider.

Remember: travel insurance is there for things that might go wrong and will not cover extreme risks, medical conditions that you are aware of before you travel, (unless they are automatically covered)  deliberately putting yourself in danger or beyond your experience or anything that involves alcohol, drugs or STDs.

Am I covered if I get seriously hurt while surfing?

Yes, you are covered by travel insurance for medical emergencies, such as treatment from shark bites, cuts as a result of hitting yourself on a reef or other serious injuries. You should contact the emergency assistance providers as soon as possible so they are able to give you advice and help get you the best medical treatment available.

Am I Covered if my flight is cancelled due to a natural disaster?

Yes:  Provided you have already purchased a policy before the incident happened. So the sooner you consider and purchase travel insurance before you travel, the sooner you could have cover for your pre-paid deposits and travel arrangements. You should ensure your travel insurance policy has cover for cancellation costs or travel delay due natural disasters, severe weather, riot, strike or civil commotion. Generally if an airline cancellations or delays flights, the insurance underwriter will require you to keep the costs and expenses reasonable and to get a written confirmation from the airline of the incident and your claim with them.

As all travel insurance policies require the event to be sudden, unforeseen and beyond your control and that directly prevent you from continuing with your trip, after you are issued with a certificate of insurance, which is another reason not to leave purchasing travel insurance till you’re at the airport. 

Is my board covered if it breaks while surfing?

Most insurers do not cover your surfboard while you are using it, however our policies may cover your surf board if it is accidentally lost, stolen or damaged while accompanying you as part of your luggage and personal effects but conditions may apply, so make sure you check your policy wording for full details.

If I require repatriation where will they send me?

If it’s agreed that repatriation is necessary, then you will be returned to your country of residence. Cover is available for reasonable, additional travel expenses to get you home (your return flight ticket might be used to reduce the insurer’s cost) and other reasonable and necessary additional expenses, such as a medical escort or a friend/relative to travel home with you. Depending on your policy there may be cover for accidental death or total permanent disability.

If I get sick or injured and I cannot go on my surf trip or need to come home?

Again, this depends on the travel insurance policy you take and whether it includes cover for Cancellation or Trip Interruption. If you have pre-paid flights or accommodation, and you get sick or injured before you leave home and cannot go on your trip, then you may be able to claim for the non-refundable parts of trip that you have to cancel.

If your illness or injury interrupts your trip and you have to return home, then you may also be covered for the unused portion of your prepaid expenses, less any refunds you receive. Cover for Cancellation trip interruption doesn’t reimburse you for ‘loss of enjoyment’ or if you change your mind and may also exclude other scenarios, so read your policy wording carefully.

What to do if I am seeking medical attention?

Get medical help from a medical practitioner such as a doctor or by going to a hospital as soon as possible. If it is an emergency situation, contact the local emergency services first, then contact our Emergency Assistance Team as soon as possible so they can look after you.
If it’s not an emergency situation, call our Emergency Assistance Team and we can direct you to an appropriate medical facility. Remember; if you’re in a country with a Reciprocal Health Care Agreement in place then you must take advantage of their public health system where possible.

Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

World Nomads is supported by various underwriters throughout the world depending on your country of residence.