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  1. World Nomads
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  5. Surfing

Surfing travel insurance

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

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Point breaks, offshore breezes and rays of sun beating on your face. Surfing the azure ocean blue can create a big adrenaline rush ─  but so can stingray encounters, jagged coral reefs and (gulp!) shark attacks.

Along with your sunblock and shades, don’t forget to pack your travel insurance. World Nomads can help get you back on your feet if your surf break turns into a wipeout.

Travel insurance for surfing

As a surf enthusiast, you can catch the waves with the coverage we provide, from uncharted towns with pristine beaches to the most popular surf breaks.

  • Baggage protection: Got your stuff 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 to the rescue 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.

Besides wave surfing, World Nomads may also cover:

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

The coverage – and the maximum benefit limits – of your specific activity depends on which plan you buy. Our Standard plan covers a wide range of sports, and our Explorer plan covers even more. Read out our Help Center article on adventure sports coverage  to see what plan might be right for you.


What's does travel insurance not cover during surfing vacations?

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

  • Any expenses that relate to a pre-existing medical condition
  • Expenses that can be recovered from another source, such as your carrier or primary health insurer
  • If you surf while under the influence of alcohol or drugs… water and alcohol never mix!
  • Search-and-rescue costs
  • Competition surfing
  • Any damage related to the wear and tear of sports equipment

How to get the most out of your travel insurance on a surfing trip

When it comes to any sport, safety should always come first. Your health ─ and your travel insurance coverage ─ depends on your responsible behavior. 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 or aerial maneuvers 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 coverage.

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 coverage and exclusions.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

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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