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Travel insurance for surfing

World-class breaks and classic beach towns. Surf’s up! Where’s your travel insurance?

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If surfing at Pipeline in Hawaii or heading to Kuta beach in Bali is on your next surf break abroad then it’s a good idea to know how you could be covered if you happen to have your gear lost or stolen. If your surf trip is cut short our coverage can help get you back on your feet and back on the surfboard in no time.

Along with your surfboard, wetsuit, sunblock and shades, you should also look at packing travel insurance. World Nomads can help get you back on your feet if your surf break turns into a bruising wipe-out.

Travel insurance for surfing

As surf enthusiasts, Irish can get ready to hit the surf with the coverage we provide, from uncharted towns with pristine beaches to the most popular surf breaks.

  • Gear protection: Got your surfboard or stolen while surf town-hopping in Costa Rica? Our gear coverage can help with replacing belongings that were swiped from under your nose.
  • Emergency medical: Long lefthanders can be epic to ride but not if it ends up in a crash. Emergency medical coverage may come in handy in the case of an accident or injury.
  • Evacuation: Your bohemian surfer paradise may be far away from the medical facilities that can give you the treatment you need. You can get transported to the medical facility which may be best for your care, subject to approval from the 24/7 Emergency Assistance. 
  • Trip cancellation: Has a sick or injured traveling companion put a stop to your surf break?  Your plan may be able to recover the travel expenses.
  • Checked-in baggage: We offer cover if your gear is stolen, lost or accidentally damaged by a common carrier (e.g. airline or bus company). Sporting equipment checked-in is only covered where the carrier requires it be checked-in due to its size or weight.

Your coverage will vary according to whether you choose a Standard or an Explorer plan. Read your policy for details on maximum benefit limits and exclusion and conditions of your coverage.

Besides wave surfing, World Nomads may also cover:

  • Land surfing
  • Stand-up paddle surfing
  • Windsurfing
  • Sandboarding
  • Kite surfing
  • Wakeboarding

An upgrade for certain sports may be required and terms and conditions apply for each sport. Check your policy for details or contact us if you have questions.

What's not covered for surfing travel insurance?

Sorry – we won’t cover you if you do something reckless (like tackle big-wave off-shore surfing when you’re only a beginner).  Some things we may not cover include: 

  • If you refuse to be repatriated or evacuated
  • If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance team advise you to do
  • Any expenses that relate to a pre-existing medical condition, as explained in the policy wording
  • Expenses that can be recovered from another source
  • The policy excess, deductible or co-pay amount as shown in the policy wording
  • If you surf while under the influence of alcohol or drugs… water and alcohol never mix!
  • Search and rescue costs
  • Professional competitive surfing

How to get the most out of your travel insurance

When it comes to any sport, safety should always come first. Your health ─ and your travel insurance cover─ depends on your responsible behaviour. Follow these tips to stay alert and aware (and to ensure that you won’t invalidate your travel insurance).

  • Know where to go. Don’t frequent beaches with dangerous shore breaks, riptides or shark sightings or surf near areas with piers, cliffs, rocks and boats. Where there are warnings, be careful – and heed them.
  • Don’t go in over your head.  Not a good idea to hop on a board if you don’t know how to swim. Or attempt big-wave surfing manoeuvres when you’ve only taken one lesson.
  • Follow the rules. Check for suitable weather conditions before heading to the beach; use a surf leash / leg rope.
  • No pro sports or athletic competitions. So cool that your 9-to-5 is spending time on the waves but unfortunately, professional sporting activities aren’t covered by travel insurance.
  • Keep an eye on your equipment. Don’t leave your limited-edition surfboard unattended out on the beach when you go for a water break or declare your wallet stolen when you forgot it on the airplane. Those “I spaced out” moments don’t qualify for cover.

This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the actual plans for complete details of cover and exclusions.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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