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Travel insurance for surfing

Cover for surfers on holiday

Unexpected injuries, a damaged surfboard or a natural disaster shouldn’t ruin your surf trip. Fast Cover policies may include travel insurance for surfing, body surfing and windsurfing up to 2 nautical miles off any land mass.^

  • Cover for your surfboard and luggage ^
  • Overseas 24/7 emergency medical assistance ^
  • Overseas emergency medical and hospital expenses ^
  • Overseas emergency medical evacuation and repatriation ^
friends surfing together in ocean

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What it covers

Our travel insurance can provide cover for essentials like overseas medical emergencies, trip cancellation expenses, lost luggage and more.

Learn more

Optional extras

Add the extras that suit how you travel, whether it's adventure sports, a cruise or cover for high-value items. Customise your cover to fit your trip.

Learn more

Compare benefits

Not all travel insurance is the same. Compare your options side by side to find the cover that fits your trip, budget and travel style best.

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Every traveller’s needs are different, so read the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.

Learn more about travel insurance for surfing

Updated 06 July 2026

"Tatjana
Written by
Tatjana Bundalo
Ibrahim Fayad
Reviewed by
Ibrahim Fayad
Fact checked icon
Fact checked

Key takeaways about Fast Cover’s travel insurance for surfing

  1. Cover for different types of surfing included in all policies: All Fast Cover policies automatically include cover for surface water activities (other than sailing) up to 2 nautical miles of any land mass, including surfing, body surfing and windsurfing. ^ 
  2. Cover for your surfboard: Our Luggage and Personal Effects benefit can provide cover for your surfboard if it gets lost, stolen or damaged during your trip. Please note there is no cover for your surfboard while it is in use. This is an optional cover on the Basics policy. ^ 
  3. Add extra cover for your surfboard: You can choose to specify your surfboard as a specified high value item on a Comprehensive, Snow Sports Plus and Frequent Traveller Saver policy. ^ 
  4. Emergency medical evacuation or repatriation: Our international policies include cover for overseas emergency evacuation and repatriation which may be useful for surfers planning to surf on remote beaches. ^ 
  5. Cover for a wide range of benefits: Depending on the type of policy purchased, Fast Cover may provide cover for overseas medical and hospital expenses if you're injured while surfing, and non-refundable pre-paid trip costs if you need to cancel your surf trip, travel delay expenses and more. ^ 

This is only a summary of some things to know about our cover for surfing, so always read the PDS before deciding to buy.

What does travel insurance for surfing cover?

Fast Cover’s travel insurance policies provide cover for surfing up to 2 nautical miles off any land mass. Our policies include a wide range of benefits to help you better deal with unexpected events that may occur before and during your surfing holiday overseas or within Australia.  

This is only a summary of some benefits available. Each policy has specific terms, conditions, exclusions, and limits. Not all benefits apply to all policies, so always read the PDS before deciding.

Medical emergencies can happen while surfing on your overseas trip. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies, depending on your situation and location. ^  

Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances that happen while surfing overseas. ^

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If you get injured while surfing during your overseas trip, Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your policy. ^ 

Fast Cover’s international travel insurance policies may help cover reasonable and unexpected overseas emergency medical and hospital expenses if you become ill or are injured while surfing overseas and are not otherwise reimbursed.^ 

Please note there is no cover for any medical or ancillary expenses incurred in Australia.

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Surfing injuries are not uncommon and access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your policy. ^ 

In case you are seriously injured or sick while surfing overseas, Fast Cover’s international travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover. ^

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Travelling with your surfboard? Cover may be available for the loss, theft or accidental damage of your luggage and personal items including your surfboard in situations covered under your policy. ^

The Luggage and Personal Effects benefit is an optional cover on the Basics policy. Please note there is no cover for your surfboard while it is in use or whilst it is unsupervised. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply. ^

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Cancelled surf trips aren’t just disappointing, they can be expensive too. If you become unexpectedly sick or injured after purchasing your policy and need to cancel before your trip begins, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including flights, accommodation and tours in circumstances explained in your policy. ^ 

At Fast Cover, you can buy travel insurance for your holiday up to 12 months prior to your departure date, including before you've booked tours and any accommodation. Please note cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. ^

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Natural disasters and severe weather could throw your surf trip off course.  If your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance, our Trip Disruption Expenses benefit is available to provide cover for reasonable additional travel and accommodation expenses you incur whilst you are still on your trip. ^

If a disruption occurs during your trip which is outside of your control and arises from the reasons covered by your policy and explained in the PDS, we may be able to help. ^

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What kind of surfing is covered?

Under our PDS, surfing is considered a surface water activity. Cover for surface water activities (other than sailing) up to 2 nautical miles off any land mass are automatically included under our list of covered non-contact sports and leisure activities available on all travel insurance policies. 

Apart from surfing, surface water activities covered by our PDS include: 

  • body boarding, 
  • body surfing, 
  • paddle boarding, 
  • skim boarding, and 
  • windsurfing. 

Whether you plan to participate in surfing, body surfing or windsurfing, our policies may be available to provide cover. ^

Optional extras

Surfing might only be part of your trip. So whether you plan to tick off your adventure bucket list, ride a motorcycle, rent a vehicle for a road trip, participate in snow sports or go on a cruise, Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures to fit you and your travel plans. ^

If you are taking a trip that involves more adventurous activities, we offer an optional Adventure Pack that includes cover for a wide range of adventurous activities. Our Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list. ^ 

Examples of some activities that require the Adventure Pack include: 

  • Abseiling 
  • Outdoor rock climbing 
  • Quad biking 
  • Tandem parachuting and tandem skydiving 
  • Sailing up to 15 nm from a land mass 
  • Scuba diving up to 30 m 
  • Water skiing, jet skiing, and speedboating 

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs. 

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy. ^ 

For more details, visit our page on travel insurance for adventure activities.

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Riding a motorcycle, moped or scooter offers a unique and thrilling way to experience diverse locations overseas. Fast Cover’s Motorcycle Pack is an optional extra available under our international policies that may provide cover to you for being the rider or passenger on a: 

  • Motorcycle, 
  • Moped, or 
  • Scooter. 

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 and under at the date of policy issue when they purchase an international travel insurance policy. ^ 

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.

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If your travel plans include a cruise, you can choose to add cruise cover to your travel insurance policy for additional cover in case of unexpected emergencies on board the ship or during on shore excursions where no support or reimbursement is provided by the cruise company. ^ 

If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of cruise: 

  • If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1night or more, you must specify cruise cover at the time of purchase   
  • If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more, you must specify cruise cover at the time of purchase.   

By adding this option, your existing travel insurance benefits will extend to when you’re on a cruise, whether it’s a domestic or international voyage. Adding cruise cover to your policy allows you to have cover both on board and on land, helping you stay covered throughout your entire trip. ^  

If you are travelling on a domestic cruise, our medical coverage is only available whilst you are on board the cruise ship and not while you are on land.  

For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.

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If you’re planning to participate in our list of covered snow sports overseas, answer yes to ‘Skiing or Snowboarding’ during your quote application. This will give you the option to purchase a “Snow Sports Plus Policy” which can provide cover for costs associated with ski and snow sports. ^  

Below are some examples of things that may be covered in your snow sports benefits: 

  • loss or theft of, or accidental damage to snow sports equipment, 
  • for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip, 
  • if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person, and 
  • the cost of transport and lift passes at an alternate ski resort, 

in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS. ^ 

The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an international travel insurance policy. ^   

For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.

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Exploring your surf destination at your own pace? Whether you’re hiring a car for a road trip or exploring the local towns during your surf trip, Fast Cover may be able to provide cover for your rental vehicle insurance excess. ^  

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas. ^  

The rental vehicle excess benefit applies to a:  

  • Sedan, hatchback, or station wagon,     
  • Four-wheel drive or minibus/people mover, or    
  • Campervan or motorhome (up to 4.5 tonnes),   

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms). ^  

Our Domestic Plus policy automatically covers your rental vehicle excess up to $5,000.^  For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.

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Travelling on a surf trip with high value items and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effect limits, you can choose to specify them as a specified high value item for an additional premium. ^  

Below are some examples of items you may be able to specify as high value items, they will be specifically listed on your certificate of insurance to confirm cover.  

  • Surfboard 
  • Phone  
  • Laptop  
  • Camera 

Please note specified high value items are only available on a Comprehensive, Snow Sports Plus and Frequent Traveller Saver policy. For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.

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Insurance cover options for surfing

At Fast Cover, all of our travel insurance policies include cover for surfing, body surfing and windsurfing up to 2 nautical miles off any land mass. The options below are a summary of some of the benefits available under the various policies, please read the PDS for full details.

Comprehensive Travel Insurance

Comprehensive Travel Insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel. ^

Basics (Medical Only) Travel Insurance

Our Basics Travel Insurance’ policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000. ^ 

Snow Sports Plus

The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure. ^ 

Domestic Plus

Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.

Frequent Traveller Saver

If you travel overseas frequently, a Frequent Traveller Saver policy may suit you. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.^ Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.^

Who can get travel insurance for surfing?

Whether you're chasing waves solo, body surfing with friends or windsurfing along the coast, every journey and traveller is unique. Our travel insurance is designed to help a wide range of Aussies stay covered while enjoying recreational surfing including:

  • Solo travellers trying surfing in a new destination 
  • Friends taking surf trips overseas 
  • Families body surfing on a beach holiday 
  • Travellers participating in recreational windsurfing during their holiday 
  • Backpackers combining sightseeing with surfing 
  • Digital nomads balancing remote work with recreational surfing 
  • Weekend travellers escaping for surf weekends and coastal getaways 
  • Recreational surfers of all experience levels

Please read and consider the PDS and TMD for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.  Remember to check the activity participation limitations and conditions.

Do I need travel insurance for surfing?

Whether you’re planning to surf in the Gold Coast, bodysurf in Bali or windsurf in Europe, we understand that unexpected situations and factors outside of your control may arise and leave you with out of pocket expenses. Travel insurance with cover for surfing can help you prepare to deal with unexpected events that could impact your trip if the unexpected happens.  

Here are some situations which you might consider when deciding if you need travel insurance with cover for surfing for your next trip and whether your travel insurance policy can provide cover for these situations:

Consider whether your travel insurance can provide cover if you become sick or injured while surfing, bodysurfing or windsurfing and incur emergency medical and hospital expenses. 

For example, Fast Covers Overseas Emergency Medical and Hospital Expenses benefit may include cover for treatment for the following injuries or illnesses sustained from surfing overseas: 

  • Minor or serious reef cuts 
  • Infection developing from minor reef cuts 
  • Spinal injuries 
  • Dengue fever or malaria, which is present across a number of island surf locations 
  • Shark attacks 
  • Injuries from colliding with other surfers and boards 
  • Fractures and dislocations 
  • Dehydration

Please note medical and hospital expenses incurred in Australia are not covered by our policy even if the expenses are related to an injury or illness that occurred whilst overseas.

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If you experience a medical emergency during your overseas surf holiday, consider whether your travel insurance policy includes access to 24/7 emergency medical assistance services.  

Depending on your situation and location, emergency assistance teams may be able to help arrange medical treatment, hospital admissions, emergency transport or communication support during an overseas medical emergency.

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You may also wish to check whether your policy can provide cover for overseas emergency medical evacuation or repatriation if you require urgent medical transport due to an injury such as breaking an arm or leg. This may be useful for surfers visiting remote surf locations. 

If you're injured while surfing in a remote overseas destination, emergency medical evacuation may be needed to transport you to the nearest suitable medical facility. Medical transport by boat, helicopter or air ambulance can be expensive, so consider checking whether your policy includes cover for emergency evacuation or repatriation.

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Becoming unexpectedly sick or injured could force you to cancel your surf trip. Rescheduling a cancelled surf holiday and dealing with lost deposits and non-refundable flights and accommodation can become stressful and expensive. Consider if your surf travel insurance can provide cover for trip cancellation expenses.

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If you need to cancel your surf holiday due to an existing medical condition, you could be left out-of-pocket for non-refundable pre-paid trip bookings. You may wish to check if your surf travel insurance can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition.  

Learn more about Fast Cover’s travel insurance for medical conditions and our medical screening process.

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These are only some of the situations that you might wish to consider when deciding if you need travel insurance for surfing. Please do your own research to consider whether travel insurance is right for your personal and financial circumstances. 

Before you decide whether you need travel insurance for surfing, you should read the PDS to check what our travel insurance policies will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

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What is the best travel insurance for surfing?

The best travel insurance for surfing can be considered as a policy that provides cover for the type of trip and activities you’re planning. When comparing travel insurance for surfing, it’s important to choose a policy that aligns with your specific travel plans and the activities you intend to participate in.  

Here are some examples of things you may wish to consider when comparing travel insurance policies with cover for surfing to help you decide which policy may be right for you:

You may wish to check whether your travel insurance policy provides cover for the type of surfing, sports and leisure activities and adventure activities you intend to participate in during your trip. Cover for certain adventure activities, riding a motorcycle or participating in snow sports may require an optional add-on, may incur an additional premium, and may be subject to eligibility criteria such as age limits and policy terms and conditions. 

Keep in mind that sports, snow sports and adventure activities usually have participation limitations and conditions. Check if these align with how you intend to participate.

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The best travel insurance for surfing isn’t always the cheapest policy available. Consider if it provides a suitable level of cover for your trip, destination and planned activities. 

Fast Cover offers a range of travel insurance policies which include cover for surface water activities such as surfing, body surfing and windsurfing up to 2 nautical miles of any land mass. Keep in mind that policies vary in coverage and benefit limits available. 

When comparing policies, always read the PDS, review what benefits are included, and check the applicable benefit limits, exclusions and conditions. Understanding the scope of cover can help you decide which policy may be right for your travel plans.

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Getting sick or injured while surfing overseas can be stressful and costly. Medical treatment, hospital stays and emergency transport overseas can quickly result in significant out of pocket expenses in some countries. 

Fast Cover’s eligible international travel insurance policies can provide unlimited cover for: 

  • overseas 24/7 emergency medical assistance 
  • overseas emergency medical and hospital expenses, and 
  • overseas emergency medical evacuation and repatriation

in circumstances covered under the policy. ^ 

When comparing travel insurance for surfing, you may wish to consider whether the policy include similar medical benefits.

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Have you booked flights, tours or accommodation for your surf trip? 

You may wish to consider whether your travel insurance policy includes cancellation and disruption benefits in case your travel plans are unexpectedly impacted by unforeseen circumstances, such as an unexpected illness, injury or other covered events before or during your trip.

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These are just some of the considerations that you might wish to consider when reviewing the best travel insurance for surfing, so you know what cover is available to you before and during your trip. Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances. 

Before you decide on the best travel insurance for surfing, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, personal or financial situation or needs.

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What’s not covered in our travel insurance for surfing?

It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.  

Here are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision to buy.

Our PDS includes a list of covered sports and leisure activities. All other sports and leisure activities are excluded from cover under your policy unless you take out the relevant optional extra or policy required for your activity. For example, if you get injured in an accident while quad biking in Bali and you didn’t add the Adventure Pack to your eligible policy, or you get injured while skiing in Japan and you didn’t take out the Snow Sports Plus policy, you may be responsible for paying your overseas medical and hospital expenses because you did not choose to include cover for these activities. 

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do on your trip.

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Cover for sports listed in our PDS is limited to amateur participation. There is no cover for competitions or professional participation in sports activities. Please note you must comply with the participation limitations and conditions of the sports activities you participate in listed in the PDS.

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If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, if you ride a bicycle without the required safety gear required by law.

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Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase. 

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

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Known events are serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy. 

If you buy your travel insurance after an event is deemed a known event, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.

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Perhaps the weather was bad, you didn’t enjoy your surf trip or the surf location didn’t live up to the expectation. Whatever the reason you’re unhappy with how your trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.

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As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Compare travel insurance benefits

Depending on the level of cover you take out with our travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances. Compare some of our travel insurance policies below.

The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.


Medical Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental^

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

 ––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

 $400 $400 $400

Financial Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

 $1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

 $2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability~

 $1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

 ––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

 $2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)

 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

 $750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

 ––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess#~

sub-limits:

 ––– $5,000 Optional
up to $8,000		 Optional
up to $8,000		 Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $750 $750 $750

Theft of Cash^~

 ––– ––– ––– $250 $250 $250

Snow Sports Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

 ––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

 ––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

 ––– $750 ––– ––– $750 –––

Snow Resort Closure~

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Ready to ride the wave?

Get a travel insurance quote for your next surf holiday and compare the benefits before you go.

Where is your next surf holiday?

From surfing the famous breaks of Bali and Portugal, to windsurfing in Hawaii and body surfing along the beaches of the Philippines, discover travel insurance for your next surf adventure.
 
 
 
 
 
 
 
 
 
 
 
 

FAQs about travel insurance for surfing

Fast Cover provides cover for surfing, bodysurfing and windsurfing up to two nautical miles off any land mass. These activities are considered surface water activities and are included under our covered list of sports and leisure activities on all travel insurance policies. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

At Fast Cover, our international travel insurance policies can provide unlimited cover for: 

  • overseas 24/7 emergency medical assistance, 
  • overseas emergency medical and hospital expenses, and 
  • overseas emergency medical evacuation and repatriation 

related to surfing in circumstances covered under the policy. 

Please note our policies do not provide cover for medical emergencies or medical and hospital expenses incurred in Australia even if the expenses are related to an injury or illness that occurred whilst overseas.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.    

At Fast Cover, our Luggage and Personal Effects benefit may provide cover for the loss, theft or accidental damage of your luggage and personal items that you take with you on your trip including your surfboard, surfboard bag, leg rope, body boards, wet suits, flippers, go pro, backpack, cameras, sunglasses, mobile, iPads and tablets, headphones, clothes and shoes. 

The Luggage and Personal Effects benefit is an optional cover on the Basics policy. Please note there is no cover for the loss or damage to, or of, sporting equipment including surfboards while in use. 

The amount of cover you’ll be provided with can vary between policies and insurers. Remember to check which items are included and the sub-limits and exclusions that apply for specific items so that your belongings will be covered if something goes missing or become damaged while you’re travelling. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.    

Surface water activities (other than Sailing) up to 2 nautical miles off any land mass, including body boarding, body surfing, paddle boarding, surfing, skim boarding, windsurfing are covered under our Covered Sports and Leisure Activities.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.   

Surface water activities mean body boarding, body surfing, paddle boarding, surfing, skim boarding and windsurfing.

For more information, refer to our  Product Disclosure Statement (PDS).

Surfing is included under Fast Cover travel insurance policies when it’s within 2 nautical miles of any land mass. There is no cover for surfing beyond that distance, even if the Adventure Pack add-on has been purchased. 

The activity needs to be done recreationally, not in a professional or competitive setting. 

Whether a claim for surfing is payable will depend on your policy type, the specific circumstances, the type of expenses you’re claiming, and the policy terms, conditions, exclusions, limits and sub-limits. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Kite surfing is not covered under Fast Cover travel insurance policies. This means there is no cover for any claims arising from participation in kite surfing, regardless of your policy type or whether the Adventure Pack has been purchased. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Certain cover is provided for loss, theft or accidental damage to surf boards and sporting equipment are covered EXCEPT while they are in use. Cover is only available for loss, theft or damage to bicycles if you have added the Bicycle Pack and paid an additional premium. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.    

Eligibility criteria, policy terms, conditions, exclusions and limits apply.  Consider the PDS prior to deciding on which policy is right for you and your needs. 

Sandboarding is included as a listed activity under the Adventure Pack. This means you’ll need to purchase the Adventure Pack add-on with your Fast Cover travel insurance policy for the activity to be considered under your cover. 

Whether a claim for sandboarding is payable will depend on your policy type, the specific circumstances, the type of expenses you’re claiming, and the policy terms, conditions, exclusions, limits and sub-limits. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Travel Tips and Trends

Discover travel resources, advice and tips for your next trip.

world globe

Travel guides

We’ve created travel guides for many destinations to help you learn about local safety, health tips, laws and customs, tourist advice, what to pack, transport options, contact details, and seasonal activities before you go. ~

Health and safety tips for cruise travel

We’ve compiled a guide for cruise goers, filled with tips for staying safe and healthy while on your cruise. ~ 

Backpacker travel, health and safety tips

Fast Cover’s backpacking guide provides Australian backpackers with key health and safety travel tips for backpacking through Europe, Asia and beyond. ~

Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover may have a referral arrangement with this company. Ratings and awards are only one factor to be considered when deciding whether this product is right for you. Ratings are accurate as at 06/07/26. Check Product Review and Google for current ratings. 

^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding whether travel insurance is right for you and which policy is right for you and your individual needs.   

# If you change your mind within 25 days of purchasing your policy, you can cancel it for a full refund if you haven’t started your trip, haven’t made or intend to make a claim, used any of your rights under your policy, or used your policy to obtain a visa. After this period, partial refunds may apply as outlined in the PDS. 

~ These are only some of the resources, please do your own research to find out more information as per your specific needs and circumstances and whether the information provided in these resources is correct and current.