Golf travel insurance

Need golf travel insurance? Here are 9 options to choose from.

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures
    A typical golf travel insurance policy includes:
    • Cover for your own golf equipment if it is stolen, lost or damaged
    • Cover for golf equipment hire if your gear is delayed or unavailable
    • Cover for unused golf costs such as green fees if you become sick or injured and you can't play
    • Cover for hole-in-one costs

    Compare Finder brands that offer golf travel insurance

    Some brands automatically include golf cover (which usually only covers your equipment), while others offer it as an optional add on (which also includes things like green fees and hole-in-one costs). You can also add additional cover for expensive golf equipment if the amount specified isn't enough to cover your good set of clubs.


    Golf cover is available as an optional add on for an extra fee. This includes cover for:

    • Golf equipment - up to $3000
    • Golf equipment hire - $100 per 24 hours
    • Fees and equipment hire - $150 per 24 hours

    Extra excess amounts may apply.

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    Golf cover is available as an optional add on for an extra fee. This includes cover for:

    • Own golf equipment - $2,000
    • Golf equipment hire - $1,500
    • Golf green fees - $500
    • Hole-in-one - $250

    Golf cover is not available in the Medical only policy.

    World Care

    If you buy a separate Golf pack, Worldcare covers the following:

    • Own golf equipment - $2,000
    • Golf equipment hire - $1,500
    • Golf green fees - $500
    • Hole in one - $250
    Travel with Kit

    Travel with Kit offers Golf cover as an optional add on for an extra fee. The following are included:

    • Own golf equipment - $1,500
    • Golf equipment hire - $500
    • Unused golf costs - $500
    • Hole-in-one - $500
    Travel with Jane

    The following benefits are covered under the Golf pack as an additional add on:

    • Own golf equipment - $1,500
    • Golf equipment hire - $500
    • Unused golf costs - $500
    • Hole-in-one- $500

    Additional fees may apply.

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    Travel Insurance Saver

    Travel Insurance Saver automatically covers the following:

    • Golf green fees - $500
    • Set of golf clubs - $700

    If you prefer to have more cover for your set of golf clubs, you can also opt to purchase extra cover under Specified Items.

    1cover1Cover automatically covers Golf related items as stated on your policy. Items which are stolen, or accidentally damaged or are permanently lost during your trip.
    Budget Direct

    Budget Direct automatically cover Golf related items stated on your policy. A pair or related set of items are considered as only one item and the corresponding limit will apply.

    Budget Direct will pay items that you own (not rented) which are lost, stolen or damaged during your trip.

    virgin money logoVirginVirgin Money covers a matched or unmatched set of golf clubs, golf bag and buggy. You can opt to increase limits on specific items before your trip. Virgin Money will cover the agreed declared items stated on your policy.

    Cheap golf travel insurance

    There are ways to get cheap cover for your golf clubs since some brands include cover under other benefits such as Luggage and Personal Effects. Just be mindful that this will be the bare minimum cover, and will not include other golf related benefits such as golf equipment hire or hole-in-one cover. You will also notice that the policy types are also basic which means that your overall cover for cancellation, additional expenses, etc. will be limited. You should consider if these policies will be suitable for your trip.

    We've researched over 20 of our partnered brands and have found three of the cheapest policies that include cover for your golf clubs.

    ProviderPolicy typeConditionsPriceApply

    world2care cover


    Basic CoverYour golf clubs can be covered for loss, theft or damage for up to $750.$58.47
    Budget DirectLast MinuteCover for your golf related items for up to $750. An additional excess of $200 will be applied to any standard excess for golf related claims.$67.49
    virgin money logoVirginEssentialsCover for your matched or unmatched set of golf clubs, golf bag and buggy (all considered as one item) of up to $750.$68.85

    *This information was based on a quote for a 40 year old going to the USA for two weeks, priced in July 2019.

    How to find the best golf travel insurance

    The best golf travel insurance includes cover for your own equipment, golf equipment hire (in case something unexpected happens to your gear), cover for your green fees and hole-in-one costs.

    If you want to dig a little deeper, here are some other considerations to help you find the best golf travel insurance;

    • Look into how the insurer treats depreciation, especially if your golf clubs are a few years old
    • Consider other benefits that could affect your golfing trip such as cover for cancellation and special events

    What is hole-in-one insurance and do I need it?

    Hole-in-one is one of the most common forms of prize indemnity insurance. There are two different forms of hole-in-one cover, for the golfer, and for the hosts.

    For Golfers

    In some places, it's customary for you to buy a round of drinks for everyone at the club house, should you hit a hole in one during a tournament. Some insurers offer cover for these events, usually around the region of $250 for the cost of hospitality (food and beverages), making sure your hole in one won't leave a hole in your pocket! This is worth getting depending on how good you are at golf.

    For Hosts

    A form of prize indemnity insurance, it's popular with clubs, charities and companies hosting golf tournaments as well as individuals on golfing trips. This is because it can let tournament hosts offer an extravagant prize - for example, a car or holiday - to anyone who can get a hole in one on a nominated par 3 course. Hole in one insurance allows them to pay a premium based on the likelihood of it occurring, covering them should someone win the prize.

    With the odds of an amateur making a hole in one at roughly 1 in 12,500 on a par 3, you can probably give hole-in-one insurance a miss. It's only really worth considering if you're running a tournament where the competitors are of a higher standard.

    What doesn't golf insurance cover?

    When you're thinking about taking out golf insurance, remember that you usually won't be covered for the following:

    • Damage to your equipment caused by wear and tear or deterioration, as opposed to damage, loss or theft.
    • If you don't report any lost, stolen or damaged equipment to the relevant authorities within 24 hours and get written evidence, your insurer probably won't cover you.
    • If the golf equipment was being shipped unaccompanied or under a freight contract.
    • Theft of your golf equipment if you left it unattended.
    • An injury that was not caused by playing golf. You will need separate insurance for this.
    • If the golf equipment was lost or damaged while in use.

    Want to compare travel insurance?

    While an insurer may seem to offer exactly the cover you need for your particular sport or pastime, specialised forms of cover such as golf travel insurance require careful reading of the PDS before signing. That’s because it’s vital to make sure sufficient cover is also being provided in those three much less exciting, but equally important areas of medical and hospital, lost or stolen luggage and trip cancellation or delay.

    Compare travel insurance right now

    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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