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Travel insurance for surfing

Travel insurance for surfing

Cover for surfers on holiday

Cover for surfers on holiday

See why over a million chose us

Multi award-winning cover†

Recognised for value

Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year

Rated by thousands†

on Product Review

4.7 Rated

Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

See why over a million chose us

Multi award-winning cover†

Recognised for value

Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year
Rated by thousands†

on Product Review

4.7 Rated
Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May, 2025

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May, 2025

Top 3 things to know

What it covers

Optional Extras

Compare benefits

Top 3 things to know

What it covers

Optional Extras

Compare benefits

Learn more about travel insurance for surfing

Updated on

15 July 2026

Learn more about travel insurance for surfing

Updated on

15 July 2026

Tatjana Growth Manager at Fast Cover

Written by

Ibrahim Quality Assurance and Audit Officer at Fast Cover

Reviewed by

Fact checked

Tatjana Growth Manager at Fast Cover

Written by

Ibrahim Quality Assurance and Audit Officer at Fast Cover

Reviewed by

Fact checked

Key takeaways

This is only a summary of some things to know, so always read the PDS before deciding to buy

Key takeaways

This is only a summary of some things to know, so always read the PDS before deciding to buy

No h2 headings found in #content

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.*

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.

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.*

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.*

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.*

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.*

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.*

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.

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.*

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.*

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.*

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.*

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 from 10-15 nm off any 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.

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.

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 1 night or more

  • If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more

By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*

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.

If you’re planning to participate in our list of covered snow sports overseas, answer yes to ‘Will you be doing any snowsports?’ 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.

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.

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.

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 from 10-15 nm off any 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.

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.

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 1 night or more

  • If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more

By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*

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.

If you’re planning to participate in our list of covered snow sports overseas, answer yes to ‘Will you be doing any snowsports?’ 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.

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.

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.

Cover for existing medical conditions

If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select who needs cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a medical screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to add cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

Insurance cover options

At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Insurance cover options

At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Comprehensive

Standard Saver

Basics (medical only)

Domestic Plus

Snow Sports Plus

Frequent Traveller Saver

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.

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.

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.

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.

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.

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

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.

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.

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.

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.

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.

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

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.

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.

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.

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.

This is a summary only and does not cover all considerations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD before buying.

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.

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.

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.

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.

This is a summary only and does not cover all considerations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD before buying.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Benefits
Comprehensive
Snow Sports Plus
Frequent Traveller Saver
Important information

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.

1 Cover under these benefits are excluded while travelling within Australia.

2 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.

3 These benefit limits are shared between Duo policy holders.

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
8 benefits
8 benefits
8 benefits
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Unlimited
Overseas Emergency Dental1
$1,000
$1,000
$1,000
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
$5,000
$5,000
$5,000
Accidental DeathSub limits apply
$25,000
$25,000
$25,000
Permanent Disability1Sub limits apply
$50,000
$50,000
$25,000
Loss of Income1Sub limits apply
$10,400
$10,400
$10,400
Financial benefits
11 benefits
11 benefits
11 benefits
Snow sports benefits
No cover
4 benefits
No cover
COVID-19 benefits
2 benefits
2 benefits
2 benefits

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.

Comprehensive
Snow Sports Plus
Important information

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.

1 Cover under these benefits are excluded while travelling within Australia.

2 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.

3 These benefit limits are shared between Duo policy holders.

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
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Overseas Emergency Dental1
$1,000
$1,000
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
$5,000
$5,000
Accidental DeathSub limits apply
$25,000
$25,000
Permanent Disability1Sub limits apply
$50,000
$50,000
Loss of Income1Sub limits apply
$10,400
$10,400
Financial benefits
Snow sports benefits
COVID-19 benefits

Ready to ride the wave?

Ready to ride the wave?

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.

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.

Got a question?

Is surfing covered by travel insurance?

Is kite surfing covered?

Is sandboarding or sandsurfing covered?

Are surface water activities covered?

What does Surface Water activity mean?

Is surfing in remote areas covered under my travel insurance policy?

Does travel insurance for surfing cover medical emergencies?

Does travel insurance cover my surfing equipment and gear getting damaged, lost or stolen?

Is my bike or surfboard covered under the luggage and personal effects benefit?

Got a question?

Is surfing covered by travel insurance?

Is kite surfing covered?

Is sandboarding or sandsurfing covered?

Are surface water activities covered?

What does Surface Water activity mean?

Is surfing in remote areas covered under my travel insurance policy?

Does travel insurance for surfing cover medical emergencies?

Does travel insurance cover my surfing equipment and gear getting damaged, lost or stolen?

Is my bike or surfboard covered under the luggage and personal effects benefit?

Things you need to know
Things you need to know
Things you need to know

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By submitting, you accept our Privacy Policy. Phone number may be used to contact you by telephone call, SMS and WhatsApp.

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.