Golf Travel Insurance – Make Sure Your Travel Insurance is a Hole-In-One

Golf club and teed up ball

Does travel insurance cover golf clubs? Find out what you need to know about golf travel insurance

When you take out travel insurance, you expect to be covered for the three main areas of risk. These are medical and hospital expenses, trip delays and cancellations and loss, theft or damage of luggage and personal belongings. But while most insurers provide cover in these three main areas, many also offer additional forms of cover for particular travel circumstances.

This article looks at some of those additional benefits, with the primary focus being on golf travel insurance , including what it covers you for and the circumstances in which an insurer will not pay a claim.

Who covers what?

BrandConditionsApply
A matched or unmatched set of golf clubs, golf bag and buggy covered under Luggage And Personal Effects.Get quote
AIGGolf clubs are covered at the higher limit per plan. In the event your equipment is delayed, you will be covered for the hire of replacement golf clubs.Get quote
AMEX Travel InsuranceAMEX provide an optional Golf Cover, which provides cover for:

  • Own Golf Equipment stolen from the locked boot or a Locked Storage Compartment of an unoccupied vehicle during daylight hours
  • Golf Equipment Hire
  • Golf Green Fees
Get quote
Budget DirectA matched or unmatched set of golf clubs, golf bag and buggy covered under Luggage And Personal Effects.Get quote
Check-In.com.au Travel InsuranceA matched or unmatched set of golf clubs, golf bag and buggy covered under Luggage And Personal Effects.Get quote
citibankNot specifically stated. However, they do provide cover 'for sporting equipment'.
Easy Travel InsuranceCovered as standard:

  • If your golf equipment is accidentally lost, delayed or damaged during your trip
  • Golf green fees or tuition fees that cannot be used due to illness, injury or death
Get quote
Fast CoverA matched or unmatched set of golf clubs, golf bag and buggy covered under Luggage And Personal Effects.Get quote
Go InsuranceGo Insurance provide an optional Golf Cover, which provides cover for:

  • Golf Equipment $2,000
  • Maximum per item pair or set $250
  • Equipment Hire $300
  • Unused Green Fees  $500
Get quote
InsureandGoInsureandGo provide an optional Golf Cover, which provides cover for:

  • Golf equipment $3,000
  • Single article, pair or set limit $1,000
  • Golf equipment hire $100 per 24 hours up to $1,000  
  • Fees and equipment hire
Get quote
iTrekA matched or unmatched set of golf clubs, golf bag and buggy covered under Luggage And Personal Effects.Get quote
simplytravelinsuranceA matched or unmatched set of golf clubs, golf bag and buggy covered under Luggage And Personal Effects.Get quote
Skiinsurance.com.auA matched or unmatched set of golf clubs, golf bag and buggy covered under Luggage And Personal Effects.Get quote
Travel Insurance SaverCovered as standard:

  • If your golf equipment is accidentally lost, delayed or damaged during your trip
  • Golf green fees or tuition fees that cannot be used due to illness, injury or death
Get quote
Virgin MoneyVirgin Travel Insurance provide an optional Golf Cover, which provides cover for:

  • Own Golf Equipment $1,500
  • Golf Equipment Hire $1,500
  • Golf Green Fees $500
Get quote
Woolworths

A matched or unmatched set of golf clubs, golf bag and buggy covered under Luggage And Personal Effects.

Worldcare Travel Insurance

Covered as standard:

  • If your golf equipment is accidentally lost, delayed or damaged during your trip
  • Golf green fees or tuition fees that cannot be used due to illness, injury or death

*Cover stated is for single cover for an international trip only. Conditions apply. Information correct as of 5 May 2015. Subject to change. Please consult the PDS prior to purchase 

What does golf insurance cover?

  • Golf travel insurance covers two main areas: your golf equipment and your green fees.
  • Your golf equipment is insured against loss, theft or damage up to the benefit limit. The insurer will either replace the equipment with a similar item, pay to repair the item or pay you a sum of money for the item.
  • If the golf equipment was lost, stolen or damaged due to the airline or carrier it was travelling on, then you must make a claim to them before claiming on your golf travel insurance. If the amount the carrier reimburses you is less than the full amount of your claim, then the insurer will pay the difference up to the benefit limit, after factoring in depreciation due to age and wear and tear.
  • Golf travel insurance also usually covers the costs associated with hiring additional golf equipment due to your own being lost, stolen, damaged or delayed for more than 24 hours. The only proviso is that you must have already lodged a claim with the insurer and it must have been accepted.
  • The other main area covered by golf travel insurance is unused green fees due to accidental injury or illness preventing you from playing golf. The fees must have been unused, prepaid and non-refundable and you must have a doctor’s written verification that you were unable to play golf due to your condition.

What doesn't golf insurance cover?

As with any travel insurance policy, there are exclusions or circumstances in which the insurer will not pay a claim. Those that relate specifically to golf travel insurance include:

  • If your stolen golf equipment was left in a vehicle overnight or left unattended in the vehicle’s passenger compartment
  • If you fail to report the loss, theft or damage to police or relevant authorities within 24 hours and to obtain a written statement from the person you reported it to
  • If the golf equipment was left behind by you in your hotel or motel room after checking out, or left on an aircraft or other public transport
  • If the golf equipment was being shipped unaccompanied or under a freight contract
  • If the loss or damage is due to the cleaning, repair or alteration of the golf equipment
  • If the loss or damage is due to wear and tear, deterioration, weather conditions, insects or vermin
  • If the golf equipment was left unattended in a public place
  • If the golf equipment was lost or damaged while in use.

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. Hole-in-one insurance, is generally taken out by someone hosting or sponsoring a gold tournament. At these tournament, the hosts often offer some kind of grand prize for sinking a hole-in-one, for example a new car. Organisers do this because of the relatively low odds of an amateur achieving such as feat ... the odd being roughly 1 in 12,500 on a par 3.

So, unless you're running a gold tournament, you can probably give hole-in-one insurance a miss ...

Golf Insurance

In some places, it is customary to shout a round of drinks for everyone at the bar. Some insurers, such as AIG Asia Pacific Insurance Pte. Ltd, offer a year round golf travel insurance policy that covers these events. Their Hole-in-One cover provides up to $1,000 for the cost of hospitality (food and beverages) incurred anywhere within 30 days from your scoring of a "Hole-in-One". However, finder.com.au does not have an agreement in place with any insurers who offer year round golf travel insurance.


What other sports insurance are available?

As mentioned previously, golf insurance is just one of many kinds of additional covers offered by travel insurers. Other optional benefits include:

Ski and snowboard

This covers medical expenses for ski-related injuries, medical evacuation expenses, cancellations or additional expenses incurred when you are injured, replacement of snow sports gear up to each item benefit limit, piste closure benefit due to adverse conditions, replacement equipment hire and prepaid skiing costs.

Exclusions apply when your gear is more than 3 years old, when it is damaged by normal wear and tear, when it is damaged while you are racing or involved in any other specified dangerous activity, when it is outside the normal ski season or when you are being paid a wage or salary to perform the activity.

Hiking

This covers sudden injury or illness while hiking, trekking or bushwalking and includes altitude sickness. It covers the cost of medical evacuation to the nearest hospital, hospital expenses and repatriation back to Australia if necessary. It also often covers the cost of flying in a friend or family member to be with you in hospital and to escort you home. Hiking insurance also usually covers your hiking gear against loss or damage up to the benefit limit.

Exclusions that normally apply to hiking insurance include search and rescue costs, injuries received from rock climbing requiring the use of support ropes and any ongoing medical costs when you return to Australia.

Surfing

This usually covers loss, theft or damage to your surfboards whilst accompanying you up to the benefit limit, unlimited overseas medical expenses, cancellation costs, additional expenses and medical evacuation. Some surfing insurance policies also include free cover for children accompanying a surfer overseas.

The main exclusion with surfer insurance is that most insurers will not cover you for any damage to your surfboard while it is actually being used to surf.

Rock climbing

Rock climbing and mountaineering insurance can cover a variety of activities including sport climbing, abseiling, bouldering, mountaineering, ice climbing and glacier climbing. Coverage normally includes medical expenses for climbing-related injuries, medical evacuation expenses, cancellations or additional expenses incurred when you are injured and replacement of climbing gear up to each item benefit limit.

Exclusions applying to rock climbing and mountaineering insurance include reduced cover if you don’t have at least one year’s climbing experience, no cover if you are under 18 or over 65 and no cover for climbing in the Arctic or Antarctic.

Adventure sports

These include everything from sea kayaking, skiing, snow boarding and quad biking to white water rafting, sky diving and canyoning. Adventure sports insurance usually includes medical and hospital expenses, medical evacuation and repatriation if required. It also covers loss or damage to your adventure sports gear, but you may need to increase the benefit limit, depending on how expensive that gear is to replace.

Exclusions to adventure sports insurance cover include things like pre-existing medical conditions, being under the influence of drugs or alcohol and behaving recklessly or illegally.


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.

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