Surfing Travel Insurance Built Around the Break
If surfing is the main reason for your trip, standard travel insurance may not cover you.
Our surfing travel insurance is designed for surfers travelling abroad to chase waves, train, or take part in surf camps and competitions — providing specialist cover while you’re in the water.
Whether you’re heading to Bali, Portugal, Morocco or further afield, this is travel insurance built around surf travel, including:
- Surf holidays where surfing is the main purpose
- Surf camps and coaching trips
- Competitive surfers travelling for events
- Multi-destination surf trips
- Travelling with boards and equipment
Ask yourself two questions about your current travel insurance –
Have I checked if it covers me for an amateur competitive surf event?
e.g. EuroSurf
Have I checked if it covers me if the primary purpose of travel is surfing?
e.g. Surf holiday camp
What surfing travel insurance covers
What surfing travel insurance typically covers
- Emergency medical expenses abroad
- Cancellation or curtailment of your trip
- Travel disruption (delays, missed departures)
- Personal belongings and baggage
- Personal liability
Always check the policy wording for full details, limits and exclusions.
Why standard travel insurance may not be enough for surfers
Surfing often takes place in environments where risks are different to typical holidays — including reef breaks, remote coastlines and changing conditions.
Travel insurance for surf trips should reflect where and how you’re surfing, particularly when access to medical care may be more limited.
Most travel insurance policies are built for general holidays — not surf-focused trips.
This can mean:
- Restrictions if surfing is the main purpose of travel
- Limited cover for organised surf trips or camps
- Ambiguity around higher-risk environments (e.g. reefs or remote breaks)
Specialist surfing travel insurance is designed to remove that uncertainty.
Annual or Short Term
A Travel lots, pay less
Committing to an annual policy can often work out better value than buying cover for each trip, while still keeping you protected for every surf competition or week-long surfing holiday abroad.
Plus, our policies can cover multiple sports, so you could be set for your summer adventures and still have cover ready for your winter skiing trip; no last-minute insurance scramble required.
B No commitment
Not travelling all the time, or not ready to sign up for a full year? No worries. Our short-term, single-trip policies might cost a little more per trip, but they give you all the flexibility you need and the same handy suite of covers as our annual travellers.
Discounts
Heading off with your other half or the whole gang? We think that should be fun, not a headache for your wallet. That’s why couples get a break on the second traveller. One policy covers you both, and let’s be honest, one set of claims is usually enough drama for anyone.
Families get an even sweeter deal. Extra kids are added at a lower rate, so a family of four ends up paying just a little more than two adults. Single parents, don’t worry, the same clever scaling applies. Basically, we won’t charge you double just because there are more of you.
It all makes sense: more people on one policy doesn’t mean double the risk, and it certainly doesn’t mean double the paperwork. So grab your crew, pack your bags, and enjoy the trip. We’ve got the cover sorted at a fair price, no fuss, no nonsense.
Surfing travel INsurance Cover summary
Travel Insurance benefits |
Limit |
| Emergency Medical Expenses | £10,000,000 |
| Emergency Repatriation | £10,000,000 |
| Trip Cancellation | £2,500 to £10,000 |
| Dental Treatment | £250 |
| Hospital Benefit | £500 |
| Baggage | £2,500 |
| Travel Documents | £500 |
| Delayed Baggage | £250 |
| Personal Money | £500 |
| Departure Delay | £250 |
| Holiday Abandonment | £5,000 |
| Missed Departure | £1,000 |
| Missed Connections | £20,000 |
| Personal Accident | £20,000 |
| Death Benefit | £10,000 |
| Personal Liability | £2,000,000 |
| Car Hire Excess Protection (optional) | £5,000 |
Sports covers | Limit |
| Owned or Hired Sports Equipment | £500 |
| Sports Equipment Upgrade (optional) | £2500 to £5,000 |
| Sports Equipment Emergency Hire | £500 |
| Sports Equipment Repatriation | £250 |
| Sports Activity Interruption | £500 |
| Race/Event Entry Fees | £750 |
| Gadget Cover | £2,000 |
Surf trips our customers travel on
Many surfers travel internationally to destinations known for consistent waves and surf culture, including:
- Bali, Indonesia
- Portugal (Ericeira, Peniche)
- Morocco (Taghazout)
- France (Hossegor, Biarritz)
- Australia
- Sri Lanka
Whether you’re heading on a short surf escape or a longer trip chasing seasons, having the right cover in place matters.
Surfing Travel Insurance FAQs
Many surfers travel internationally to take part in events. The following frequently asked questions explain how travel insurance for surfing works, what it covers, and how specialist cover can help protect surfers travelling abroad for competitions, active holidays and training camps.
If you can’t find the answer you are looking for after looking through the FAQs, you can call us Monday through Friday from 9 a.m. to 5 p.m. We typically answer the phone in under 30 seconds
Not always. Many standard travel insurance policies only cover recreational activities. If surfing is the main purpose of your trip, you may need specialist cover.
Surfing is often classified differently depending on the insurer and how the trip is structured. Some policies treat it as a standard activity, while others may apply restrictions depending on factors such as location, conditions or whether it is part of a structured trip.
Yes. Surfing travel insurance is designed specifically for trips where surfing is the primary activity, including surf holidays, camps and competitions.
In many cases, yes — but it depends on the policy. Always check whether organised trips, coaching or camps are included.
Most policies cover international travel, but you should check for any geographical restrictions or exclusions, especially for remote locations.
Travel insurance may include limited cover for personal belongings, but high-value equipment like surfboards may require additional or specialist cover.
If covered, your policy can help with emergency medical expenses, treatment and potentially repatriation — depending on the terms of the policy.
If surfing is a key part of your trip, specialist cover is strongly recommended to ensure there are no gaps or exclusions.
