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Note: This information was last updated July 2022
Surfing is only as risky as you make it and taking precautions can limit the risks considerably. Nevertheless, accidents do happen and some common risks include:
A good comprehensive policy will cover you for medical emergencies, so if you wipe out on a coral reef and receive cuts that need medical treatment, you will be covered for the cost up to the benefit limit.
There is a condition in many policies that you must have been taking reasonable care at the time you were injured (i.e. paddling out at Pipe if you have only been surfing a few months). If the insurer can show you put yourself in harm's way, it may be able to reject your claim on the basis you did not take reasonable care to protect yourself.
As with most luggage items, if your surfboard is damaged or lost while in the care of the airline, it will usually pay for damages, providing you report the incident as soon as possible. The amount of compensation will depend on the carrier, so if your surfboard is expensive, you would be wise to have travel insurance as well. In such circumstances, your insurer would pay you the difference between what the carrier reimburses you and what the board is insured for.
The best way to ensure your board is not damaged in transit is to buy a good-quality board bag and wrap your board securely in bubble wrap, protecting the nose and tail and removing the fins if possible.
The government’s Smartraveller website lists 5 questions you should ask yourself when buying travel insurance, which are equally applicable to surf travel insurance.
If the place you plan to surf is remote it would be wise to have emergency evacuation cover.
Is surfing only a part of your itinerary? If so, you may only need to purchase surf cover for that period.
If you plan to do any other activities that might be considered risky, such as scuba diving or hang gliding you may need to take out additional cover.
If so, you may need to choose a higher benefit limit to cover its replacement cost.
If there any pre-existing conditions that you have you must declare them and purchase additional cover if provided, otherwise you won’t be covered.
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