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 a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
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.*
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 a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
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.*
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.*
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 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.
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 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.
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.*
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.*
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.*
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.*
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.*
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. 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.*
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
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
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)
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.*
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.*
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.*
Frequent Traveller Saver
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. 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
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
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.
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.
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.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
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.
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.








