Top 5 Surf Travel Insurance You Need To Know In 2025

You’ve booked the flight for your next surf trip, packed your board, and are eyeing those perfect reef breaks halfway across the world.

But hold up, what happens if you need emergency assistance or if your belongings get damaged? 

Well, if you’re reading this blog post im sure you’re looking for the best surf travel insurance that will fulfil your needs. After all, comparing insurance plans is not the fun part of any trip. But it needs to be done. 

I’ll be covering the top 5 travel insurance that cater specifically for surfing or other adventure sports. In this post, I’ll list the ones I’ve personally tried or thoroughly researched plus you’ll be able to get a qoute through the insurance website on the spot! 

So let’s dive in! 

Real Quick Top Surf Travel Insurance

Why You Need Surf Travel Insurance

Let’s be real: not all travel insurance is created equal. Most basic travel insurance policies don’t even cover surfing—especially if it’s considered an “extreme sport” under their terms. 

 First off, your gear is expensive. Boards, wetsuits, fins—they add up. Some insurance providers offer coverage for your equipment so you can travel with a peace of mind. 

Insurance helps after things go wrong — but prevention is key. Don’t miss these surfing safety tips every traveler should know.

Wether its a reef cuts, or broken bones a lot of things could happen when surfing. Hate to sound like your mom here (or at least mine haha) but better be safe than sorry.

If you’ll ever need an emergency evacuation or to make a claim on a doctor visit you can easily contact your travel insurance provider and they’ll be able to handle it for you. 

Trip cancellations are real. Think: sudden flat spells, airline strikes, or unexpected injuries before surf camp. 

Regular travel insurance plans might cover some of this… but usually not the stuff surfers care about most. 

Alright, now lets talk about what is the best insurance for your surf trip. 

1. World Nomads 

2. Saftey Wings

3. Sport Cover Direct

4. Insure And Go

5. Surf Travel Insurance (STI)

What’s Typically Not Covered in Surf Travel Insurance?

Broadly speaking most travel insurance companies won’t cover the following things:

• Professional or Competitive Surfing
  Most policies exclude coverage for injuries sustained during professional or competitive surfing events.
  
• Incidents Under the Influence
  Claims arising from accidents that occur while under the influence of drugs or alcohol are generally not covered.
  
• Unattended Belongings
  Theft or loss of personal items, including surf gear, when left unattended in public places is typically excluded from coverage.

Knowing what’s not covered is key to making sure you’re properly protected on your surf trips. Always read the policy details carefully and consider additional coverage if necessary.

Conclusion

When it comes to surf travel, planning the perfect trip isn’t just about swell forecasts and board bags — it’s also about protecting yourself (and your gear) when things don’t go to plan.

Whether you’re chasing waves in Costa Rica, Indonesia, or just hopping across the coast, having surf-specific travel insurance gives you peace of mind so you can focus on what matters most: the surf.

Take a few minutes to choose a plan that fits your travel style — it could save you a ton of money and stress later.

Safe travels, stay salty, and don’t forget to double-check your leash and your coverage. YEWWW!