sti surf travel insurance

Essential Travel Insurance:

Your fundamental coverage for global adventures.

Welcome to STI Surf Travel Insurance – Your Premier Source for Essential Travel Coverage

Embark on Your Journey with Confidence

At STI Surf Travel Insurance, we serve as your dedicated travel insurance broker and agent, connecting you with budget friendly essential coverage for worry-free global adventures. Recognizing that not every traveler requires an extensive coverage plan, the Essential Travel Insurance plans are designed to provide fundamental protection while offering a range of options from multiple insurance companies. Whether you’re a budget-conscious backpacker, a short-term explorer, or someone who prefers simplicity in travel insurance, the Essential Plan is your gateway to worry-free journeys.

Why Choose Essential Travel Insurance Through Us?

Fundamental coverage from top insurers.

The Essential Travel Insurance plans offer fundamental coverage from a selection of top insurance companies. As your trusted broker, we provide options that align with your budget and travel needs, ensuring you receive essential protection from reputable insurers.

Simplified Application Process

We understand that simplicity is key, especially when it comes to travel insurance. The Essential Plan features a straightforward online application process facilitated through our multiple insurance partners, allowing you to secure coverage quickly and hassle-free.

Budget-Friendly Options

For those mindful of their budget, the Essential Travel Insurance is a cost-effective solution that provides peace of mind without breaking the bank. Choose a plan that aligns with your financial considerations while ensuring you have the coverage you need.

Global Assistance Network

Even with the Essential Plans, you can travel with the confidence of knowing that assistance is within reach. Coverage includes access to a global network of assistance, ensuring you receive support in case of emergencies or unexpected situations during your travels.

Key Benefits of Essential Travel Insurance

Types of travelers suited for essential plans, 1. backpackers on a budget.

For budget-conscious backpackers, the Essential Travel Insurance is an excellent choice, providing basic coverage at an affordable rate.

2. Short-Term Explorers

If you’re embarking on a brief adventure and need fundamental coverage, the Essential Plan is tailored to meet the needs of short-term travelers.

3. Simple and Straightforward Protection

For travelers who prefer a simple and straightforward insurance plan without extensive add-ons, the Essential Travel Insurance is a perfect fit.

How to Get Started with Your Essential Travel Insurance

1. explore the essential plans:.

Visit our website to explore the range of Essential Travel Insurance plans available from our partnered insurers. Each plan is designed to provide fundamental coverage tailored to different travel needs.

2. Obtain a Quick Quote:

Click on the Quote Button to access our user-friendly online platform. Input your travel details, and we’ll connect you with a competitive quote tailored to your specific travel requirements.

4. Secure Your Essential Coverage:

Once you’ve chosen the Essential Plan that aligns with your travel needs, securing coverage is a seamless process through our online application, facilitated by our network of insurance providers. Enjoy the simplicity and peace of mind that comes with the Essential Travel Insurance as you embark on your global journey.

Travel with Assurance, Choose STI Surf Travel Insurance

For travelers seeking essential coverage without compromising on reliability, STI Surf Travel Insurance, as your trusted broker, is your partner. Choose the Essential Travel Insurance for fundamental protection and embark on your global adventures with confidence. We are here to make your journey worry-free and ensure you experience the world with peace of mind.

WHO IS SURF TRAVEL INSURANCE?

As the leaders in surf travel insurance since 2009, we have evolved into a InsureTech company specializing in multiple sporting and adventure activities with access to multiple trusted insurers. Here, in the United States we have an exclusive agreement with Generali U.S. Branch for domestic and overseas travel.

With offices in Florida, Hawaii and Australia, our friendly team are on hand for customer inquiries for adventure sports through to leisure holidays. Our B2B team, network with tourism operators to provide their guests with a choice of travel insurance solutions for adventure and sporting experiences.

Head Office – Florida

+1 727 214 5977

[email protected]

7901 4th St. N STE 11853 St. Petersburg, FL 33702

STI Surf Travel Insurance LLC. L22000502294

As the leaders in surf travel insurance since 2009, we have evolved into a InsureTech company specializing in multiple sporting and adventure activities with access to multiple trusted insurers worldwide. Here, in the United States we have an exclusive agreement with Generali U.S. Branch for domestic and overseas travel.

With offices in Florida, Hawaii, and Australia our friendly team of insurance experts are on hand for customer inquiries for extreme sports through to leisure holidays. Our B2B team, network with leading tourism operators worldwide to provide their guests with a choice of travel insurance solutions for adventure and sporting experiences.

PO Box 97 Burleigh Heads Queensland 4220 Australia

Choose Your Travel Plan

When you go away there are certain things that should be covered, so get your quote now and compare coverage on travel plans.

Trusted by over 6 million travelers every year. Travel insurance plans from Generali Global Assistance are only for U.S. residents.

Insurance Coverages

Trip Cancellation
Trip Interruption
Travel Delay
Sporting Equipment (Premium & Preferred)
Baggage Delay
Sporting Equipment Delay (Premium & Preferred)
Medical & Dental
Emergency Assistance & Transportation

Travel Services (Provided by Generali’s designated provider)

24-Hour Travel Support Services
Telemedicine
No Out-of-Pocket Medical Expenses
Concierge Services
Identity Theft Resolution Services
Pre-Existing Medical Conditions Coverage (Premium)
Cover for Financial Insolvency (Premium & Preferred)

Optional Coverage

Rental Car Damage (Premium Plan Only)
Trip Cancellation for any Reason (Premium Plan Only. Not available to residents of New York)

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First and last name of all traveler's and their Age. Up to 10 people on one policy. Must be from same state or separate policy for each state.

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Surfers Hype

Best travel insurance for surfers.

Sometimes, despite the best of intentions and meticulous planning, things still go wrong when travelling. Sometimes it’s just a quick stomach bug, a missed flight, or missing luggage. Other times it can be a lot worse.

When it comes to travel, surfers need to prepare for the worst possible outcome. Granted, so many surf trips are nothing but perfect waves and good friends, but there are risks involved with surfing in a foreign country.

The most obvious ones are :

Broken bones
Head injuries
Eye injuries
Food poisoning
Various of foreign bugs bites and viruses
We are also in sea creatures’ territory, which presents a different kind of risk
Some of the best surf destinations can be found in the earthquake-prone ‘Ring of Fire’ like Chile, Mexico, Indonesia, Philippines, Peru, and Papa New Guinea. So nature can be another risk factor you need to consider

We also tend to go quite hard as travelling surfers and in unknown surroundings and unpredictable circumstances, it’s important to have the right safety measures in place.

Having the right safety measures in place is crucial when things go wrong, but it will also help you to relax and surf more freely, knowing your safety is taken care of.

The most important part of your safety measures while going on a surf trip is to get good surf travel insurance, with the right coverage.

Next up comes things as, knowing where the nearest emergency department is, studying the surf breaks before paddling out, having a medical aid kit with you, etc. The better you prepare, the more likely you are to have a smooth surf trip.

Disclaimer : We are not insurance experts. This article is based on our personal experiences and research as travelling surfers, looking for the right insurance coverage.

Every person’s situation is different – only you can make sure, that you get the right coverage for your needs and circumstances. However , this article will give a good overview of the best options available.

What to look for in a surf travel insurance

If things do go bad, you’re going to need very specific travel insurance. Not having the correct cover can have very fatal consequences. Therefore you need to read all documentation and ask as many questions as needed, to understand what coverage you are getting.

Suppose you are injured, and a very serious medical decision has to be made. In that case, that decision will be based on your insurance cover. If you’re the only person who knows your insurance policy, you need to be able to rattle it off to the person who is trying to help, so take control.

No one can tell you what exact insurance, will be the best for you, because it all depends on things like your home country, your travel destination, the spots you are going to surf at, etc.

Most important surf insurance criteria's

Medical expenses and cover: If you get hurt, injured, or fall ill during the surf trip.
Medical Evacuation: The most essential insurance cover you need to have as a surfer. We can’t stress enough, how important this part is, if you are surfing in remote areas, with no big hospital nearby. This is not included in all travel insurances and often needs to be added as an add-on.
Personal Liability: To cover accidents or damage caused by you. Many things can happen during a surf trip, you might end up in a car accident or drop in on someone during a surf session, resulting in someone else getting hurt.
Medical Evacuation

The most essential insurance cover you need to have as part of a surf travel insurance package is that of a Medical Evacuation. When the helicopters take you to a specific medical facility that can deal with whatever is needed.

Often the smaller hospitals can’t deal with massive trauma and particular injuries. An injury in the Mnetawais will mean that you need to get to Padang. If Padang can’t deal with it, then you will need to get to Singapore. This is what the Medical Evacuation procedure is all about. You would think that all travel insurance for surfers would have such cover, but not all of it does. Even if it does, there are usually several fine points that need to be examined and scrutinized to ensure you have what you need.

An example is a surfer injured at Grajagan (G-land) in Java who had the full insurance bouquet. Still, the medivac component had some exclusion. When the Helicopters were contacted in Bali, they had booked out expensive clients sightseeing over the Bukit. They were not obliged to deal with the injured surfer as his Medevac clause didn’t provide the necessary cover.

Another example is a surfer who went to Mauritius and didn’t bother with medical insurance because who needs medical insurance in a benign destination like Mauritius? A bite to eat at a food truck in the car park by One Eyes surf spot in Le Morne resulted in chronic food poisoning. He was hospitalized, and the bill was more than his 5-star luxury resort bill for him and his wife.

You need to be super-aware of your insurance covers, and you need to look out for the ‘extreme sports’ exclusions. Even when ‘extreme sports’ (Surfing) is included, there might be exceptions where your surf travel insurance will not have the right coverage. Some insurance companies don’t offer coverage to professional athletes and people traveling for competition. Other insurance makes it clear in their fine print that sports such as surfing needs to be performed under supervision or at a beach with observation and official guidelines. Travel insurance for surfers isn’t going to be worth much, if surfing is classified as an extreme sport and is not covered, or if the activity needs to be performed under some very strict rules.

The additional rule of thumb when it comes to surfing travel insurance is to get maximum coverage. If you’re going to get insurance, which you obviously should, you might as well get the best available.

Additional Insurance criteria’s

Surf travel insurance is not only about medical expenses, though. There are many other relevant avenues of insurance.

Trip cancellation : It might not be our fault, but a loved one or a travel partner might get sick or injured, bringing your trip to a grinding halt. This sort of cover is available.
Baggage protection : Have your luggage stolen while in Bali or the Philippines or Hawaii, and surf travel insurance has got you covered. This is over and above your medical insurance and the medivac insurance mentioned earlier.
Surfboard cover : This might be included in your pre-existing household insurance, but it might not. It is easy enough to add on some insurance for your boards, for breakage during your flights, and sometimes even for breakage while using them.
Theft : This might include the theft of passports, money, or valuables.

best insurance companies for surfers

Insured nomads.

Whenever we plan a surf trip, booking our travel insurance is a crucial part of the process. Nowadays, we favor Insured Nomads and they have become our new go-to insurance provider. But why?

Before we discovered Insured Nomads, our relationship with insurance providers was often very similar, and it was not exactly a process we enjoyed. However, proper insurance is such an important safety precaution to take when traveling – especially as a surfer. So we have always prioritized it.

Insured Nomads is the first company to make us genuinely excited about insurance! and hey! – Don’t let yourself fool by their name. Insured Nomads help any type travelers; from backpacker to surfer!

Their innovative approach to the industry has led to a product that stands out from all competition. They have created an insurance service that removes all the uncertainty and worry associated with surf travel.

According to their FAQ , surfing is included in both of their travel insurance plans. As long as your surfing activity is non-professional and non-competitive, it is considered recreational and considered under coverage. So to clarify, no additional adventure- or extreme coverage is required to have it as a covered activity.

Their INC membership and the App takes away all the paperwork, provides you with instant support, and helps you find the nearest doctor or medical facility. Your appointment gets booked through the App, and your pre-paid Credit Card covers your medical bills. Simple, stress-free, and reliable. Insured Nomads has made it easy to deal with travel insurance.

They cover:

24 Hour Emergency Medical Care
Evacuation and Repatriation
Emergency dental and eye care
COVID-19 Cover
Acute Onset of Pre-existing Condition
Local Ambulance Transport
Lost checked luggage
Telemedicine (in the USA)
Personal liability
Adventure sports option
Marine activities option
Included emergency medical, terrorism & natural disaster evacuation
High sum for overseas medical expenses
24/7 crisis response, emergency assistance, and real-time alerts
Mental health professional multilingual counseling
GPS-enabled SOS/panic button response
Cybersecurity and online privacy protection
Airport lounge access through InstaPassSM when registered flights are delayed
Warzone & hotspot coverage option including medical, safety, security, search & rescue, kidnap & ransom

What’s not covered:

Participation in competitions

World Nomads

A popular travel insurance company, World Nomads have many travel insurance options. World Nomads is one of the leading insurance providers for backpackers and deal with surfers and other board riding disciplines regularly and talk the surf language. They have made a specific landing page for surf travel, to make the process easier for you. Furthermore, it’s easy to make a claim online as well as extend your policy while traveling.

Besides regular surfing, their coverage includes the sports of Stand Up Paddleboarding, Windsurfing, and Kitesurfing, amongst others.

Protection of gear in case of loss, theft or damage
Emergency Medical
Trip protection in case of cancellation, Interruption or delays.
24-Hour Assistance Service
NB: No coverage for the US
This insurance does not cover angles like big-wave surfing if you’re a beginner, as well as competition surfing
Expenses related to any pre-existing medical conditions
Expenses that can be recovered from another source, such as your life insurance, home insurance for belongings, etc.
Search and rescue costs
Competition surfing
Damage related to the wear and tear of your surf equipment
And obviously you will not be covered, if you are surfing under the influence of drugs or alcohol, or both.

Surf Travel Insurance

(for australian and american residents).

It is the most popular Australian surf travel insurance company. Also, it speaks the language of the surfer on their website and in the documentation.

With their surf-friendly website and unique expert knowledge, they are the right fit, when it comes to understanding the insurance needs of surfers.

Medevac Evacuation plans

Surfboard cover

Remote destination cover

Snowboard cover

Moped and motorbike cover

Credit for unused travel insurance

It is a bit of a challenge to see precisely what their exclusions are and what they don’t cover, so this will need to be examined on the actual quote.

Seven Corners Insurance

Another well–known and popular brand, Seven Corners is also a reputable brand for travel insurance for surfers. While not as expressly surfer-friendly, their coverage is extensive and meticulous.

Cancellation cover
Baggage loss
Medical cover
Medical evacuation

Seven Corners Insurance does have certain destination restrictions, but not really for surf destinations.

Limitations and restrictions regarding surfing, needs to be examined in the actual quote.

G1G Insurance

This is a great and seemingly understanding surf travel insurance company with a few additions pleasing to the surfer’s ear. The fact that you can choose your extreme sports level and purchase the entire adventure travel plan online is a great start.

They cover all sports like ‘bungee jumping, surfing, scuba diving, skiing, zip-lining, and any other activities on the bucket list. They even cover the most extreme sports, like skydiving and black water rafting, but it needs to be included in your custom offer. One of G1G Insurance’s advantages is that you can talk to a consultant to make sure that the package you are on has everything needed for the adventure you are planning.

All types of extreme sport
Individual cover as well as for the entire family

Emergency medical evacuation

Trip protection is not included (needs to be purchased as an extension)
You get a customized offer for the extreme sport of choice (surfing). Other kinds of extreme sports may not be covered if you haven’t included them
The insurance packages are pretty specific, however. If you buy the snowboarding package, you are not necessarily covered for surfing. Check the list for the riskiest activity level of the two, and that will see you covered for both.

Safety Wing

This travel insurance company has several options that will appeal to the travelling surfer. Their leading offers are for Nomad Insurance and Remote Health Insurance. The biggest advantage of Safety Wing is the flexibility they offer for longer trips and the easy online process.

Travel delay or trip interruption

Lost baggage (flight)

Lost passport

Natural disasters

Political evacuation

The things that don’t cover are very interesting. You’re good as long as you’re not into sky surfing, snowboarding, or kite surfing,

Safety Wing Travel Insurance has a very long list of what is covered and what is not, and it is one of those situations where you need to check the specific terms in the quote you get.

For instance they will not cover any surfing activities related to competition. You are not covered either by the insurance terms if you surf at a beach without any official guidelines or observation.

Insurance providers that stands out

There are so many options for surf travel insurance that it is hard to find which company would offer the best surf travel insurance. The easiest route to choosing the best travel insurance for surfers would be to select the insurance company that seems to best understand the sport of surfing and the actual needs of a surfer.

Surfing is not an extreme sport for most of it, nor is it an endurance sport. There are no required safety equipment essentials that need to be worn. There are no other settings or skill sets that need to be ascertained beforehand. A good travel insurance company would do this research early. To be able to offer surfing travel insurance to surfers, a lucrative market.

Best option for surfing

Two companies stand out because they really seem to know what surfers need and thereby be able to provide the best-suited insurance plan.

These two brands are Insured Nomads and Surf Travel Insurance (AU & US). Both have a very clear and concise understanding of a surfer’s needs, as well as the nuances and idiosyncrasies of the travelling surfer, with boards, dangers, and most apparent medical needs covered.

Both of these companies, it seems, have surfers working for them, or they are consulting with surfers to ensure that they get the needs of the surfers spot-on.

Best option for any extreme sport

G1G Travel insurance is among our favorites since they have the least exceptions to their policies and are the only provider who can cover all kinds of extreme sports. However you need to know beforehand what activities you are planning on doing, so you get everything included in your custom offer.

We find the G1G Travel insurance most suitable for families since they can provide a package deal with coverage for the entire family.

Our favorite thing about G1G is the fact that you can talk to one of their consultants, who are highly qualified and will know what you need for your personal circumstances.

Best option for flexibility

Make it a top priority.

It pays to be indulgent and careful when it comes to surf travel insurance. Don’t skimp. The day that you scrimp on surf travel insurance will be the day that you need it!

While surf travel insurances can be a bit of a jungle to navigate, we hope this article gave you some clarity and knowledge about some of the best providers on the market when it comes to surf travel. Once you have decided on an insurance provider from the list, the next step is to get a quote from them and go through all the specifics, to make sure the terms and conditions suit your personal needs and circumstances. Once you have your surf travel insurance in place, all there is left is to relax and enjoy your vacation.

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Surfing Travel Insurance | Protecting Your Trip & Gear

The list of surf trip costs is endless, from flight tickets to accommodation, transport, food, travel gear, and a new board or two if we’re lucky, and that’s not to mention any coaching and extra activities. But one thing often overlooked, particularly on a budget surf trip, is surf travel insurance— an annoying additional cost but one that is just as essential as your plane ticket.

We’re all guilty of it, right? “Ahhh, it’ll be fine; I won’t need insurance; that would be a waste if nothing goes wrong.” On surf trips, everything is, and hopefully will be, fine until it isn’t. Surf trips, by nature, are unpredictable, and there are countless opportunities for things to go awry.

But when things go to sh*t, they go to sh*t very quickly, and paradisical dreams can turn into life-threatening nightmares in seconds. If you’ve got no cover to back yourself up in emergencies, then you not only put yourself in a dangerous (and potentially life-threatening) situation but under a mountain of debt you’ll be paying back for years to come.

However, with a small pre-trip payment, you can prevent such situations and give yourself the peace of mind you won’t finish the trip with a $10,000 medical bill, injured or stranded. Surf travel insurance can also cover you for other surf trip mishaps, such as delayed flights and lost or stolen baggage. In this article, we dive into everything you need to know about surf travel insurance, from what to look for, the essential criteria, why you need it, and the best companies to buy policies from. We have a heap to get through, so let’s dive in.

Table of Contents

Why Do You Need Surf Travel Insurance?

If you’ve been on a surf trip, you won’t need me to tell you how many things can and inevitably will go wrong. From severe injuries and emergency evacuations to stolen boards and delayed flights, surf travel insurance helps you in countless ways:

Serious Injury
Minor surf accidents
Traffic collisions (Bali mopeds)
Delayed flights
Broken surf equipment
Lost or stolen baggage
Natural disaster

But while the list of potential surf travel mishaps is long, not all surf travel insurance companies cover these things. Instead, you’ll have to look at specific policies to see what is and isn’t covered on your respective policy. Always check your policy wording carefully, and no matter what insurance you get, here are the essential criteria for any surf travel insurance policy.

Essential Surf Travel Insurance Criteria

Medical expenses .

This is the big one. Medical expense coverage is crucial for any surf trip . Whether going on a mellow longboarding vacation to Sri Lanka or chasing slabs deep in the Australian desert, medical expenses cover your medical bill should you get injured.

For example, if you’ve fallen off and hit the reef at Ulutwau , gotten cut up, and potentially broken a bone, you need to go to the hospital to get checked out and have a cast put on. That doesn’t come free for foreigners in Indonesia. With medical expenses covered by your policy, you can get the care you need without worrying about paying for it immediately.

To hammer the importance of this home, I was once on a surf trip to Lakey Peak, Sumabwa, a relatively remote Indonesian surf paradise. One day we were eating lunch, and a surfer was being paddled in from the surf, having badly broken his leg and needing urgent medical attention and pain relief. His friends informed us, and everyone else at the camp, he was an American with no travel insurance!

They did a whip round to get as much money together as possible, which I’m sure didn’t completely cover the cost of his hospital transfer and treatment. This is exactly the situation you want to avoid, and for the sake of a few extra dollars, it’s stupid not to get insurance.

Medical Evacuation

For serious injuries and life-threatening situations, medical evacuation insurance is needed. Hopefully, you’ll never need this, but when you do, you’ll be super thankful you had it! Let’s say you’re on a surf trip to the Mentawaiis (if you’ve been there, you’ll know how frickin remote it is). You get a head or spinal injury from hitting the shallow reef and need urgent care.

The closest hospital is Padang–usually a 4-hour boat trip, but you need a helicopter to airlift you to the hospital in Padang. Padang isn’t the biggest city, and if the hospital there isn’t equipped to deal with your injury, you’ll need to be transferred to Singapore or Kuala Lumpur! Yep, that’s a lot of flying, and costs soon rack up. Medical evacuation covers these costs essential.

Personal Liability

Another vital aspect of your surf travel insurance coverage is personal liability. In short, this means an injury you cause to someone else. It doesn’t matter how good a surfer you are in crowded line-ups; it only takes a misread of an oncoming section to run over someone. Personal liability coverage helps cover their medical expenses if you injure or seriously hurt them. This is essential for helping them get the care they need (regardless of their insurance) and gives you the peace of mind of not having to pay for their medical expenses.

What Does Surf Insurance Typically Cover?

What’s covered in your insurance policy will depend on who you purchase cover with, and not all policies will cover the same thing. For example, you’ll want to cover bases such as medical expenses, evacuation, and personal liability, but often things such as baggage delays, damage to equipment, trip cancellations, etc., are things you buy as extras on top of your policy. Well worth considering.

Types of Surf Travel Insurance

For surf travel insurance, there isn’t a specific company that operates as a sole surf travel insurance provider. Therefore, you must look for extreme sport and adventure travel companies that offer surfing insurance. These companies provide travel insurance for backpackers traveling long term (6 months +), extreme sports such as snowboarding, watersports, bungee jumping, and skydiving. Additionally, many of these companies have dedicated website pages for surf travel insurance.

Best Companies for Surf Travel Insurance

I’ve taken countless surf travel insurance policies out in my time but generally return to the same two. These top two companies are the best for dealing with surf travel, whether it’s offering a surf-specific policy, making a claim, or getting insurance that can be extended if you want to extend a surf trip. Let’s take a closer look at my top two.

World Nomads

World Nomads is a favorite for backpackers and surf trippers, offering insurance policies that cover a wide range of extreme sports and daring backpacker activities. If you’re heading on a gap year and throwing surfing in there or want to cover for your next surf trip, World Nomads will have a policy for you. But, by far, my favorite aspect of World Nomads insurance is the ability to extend your policy while you’re away. I often go on extended 6-month + surf ventures, and if I want to stay longer, I can simply contact World Nomads and extend my policy. Pretty cool, right?

GIG Insurance

GIG Insurance caters to extreme sports and adventure travel, from bungee jumping to snowboarding, Scuba diving, skydiving, and surfing. You’ll need to take out coverage and then add surfing as an activity to your policy. My favorite aspect of GIG insurance is that you can talk to a representative over the phone who can tailor a policy according to your travel plans!

Making a Claim: Does it Pay & Is it Worth it?

Yes and no. This will depend on your exact policy. Generally, the more you pay and the more extensive your coverage, the more likely the company will pay out. For instance, if you’ve got a policy including extras such as trip cancellation or damage to equipment, you can make a claim and receive money to cover this. However, it’s always important to read your policy wording carefully. If you have a basic plan with no extras, you’ll unlikely be covered for anything other than the essentials (medical evacuation, etc.)

It’s also worth considering that many of these policies come with premiums, meaning if you claim, they will only pay a maximum (not the total amount of your broken surfboard). You’ll have to pay a deductible from that amount. So, always weigh up whether a claim is worth it. And this can also affect what you pay for your following policy. Just think of your insurance as covering emergencies, and if you never have to use it, great! And if you do, you’re covered and can focus on recovery.

Final Words

It’s no doubt that surf travel insurance is essential. You’d be silly to go on a surf trip without it. I’ve seen it too many times, meeting surf travelers in remote Indonesian islands thinking having no insurance makes them a gnarlier budget surf traveler, which is all good until you’re helping the same person with a broken leg and a $10,000 medical bill. So, at the bare minimum, get yourself some insurance that covers the following:

Medical expenses
Medical evacuation
Personal liability

Also, consider adding extras that give you peace of mind, such as baggage delay, trip cancellation, baggage damage, etc. Hopefully, you’ll never need to make a claim on any of your surf trips but get insured anyway, have peace of mind, and enjoy your trip!

Dan Harmon is a content writer and full-time surf travel enthusiast. He travels the world full-time while creating surf content, traveling to the world’s best surf destinations , and hunting out some lesser-known corners. You can follow more of Dan’s travels over on his YouTube Channel , website , and Instagram.

Why Surf Travel Insurance?

At STI, our customers’ health and well-being on and off the water has always been the core of our business.

In 2014, STI mobilised Serious Incident Emergency Evacuation Procedure (SIEEP), which along with WE Assist emergency services, provide comprehensive medical evacuation plans for serious medical emergencies.

STI collaborates with leading surf charter operators, resorts and surf camps and coordinates with insurance emergency services to develop pre-planned EVAC procedures for surfers in remote surfing destinations.

As part of this programme, STI offers these plans for serious medical emergencies in and around the Mentawai’s, Sumatra, Banyaks, Nias, Bali, Maldives and Fiji Islands.

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11 Best Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best travel insurance companies

Types of travel insurance

What does travel insurance cover.

What's not covered?

How much does it cost?

Do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Frequently asked questions

Best travel insurance overall: Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

ExactCare Value (basic) plan is among the least expensive we surveyed.
Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
Company may reimburse claimants faster than average, including possible same-day compensation.
Multiple "Trip Delay" coverage types might make claims confusing.
Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection slightly above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

Multiple types of insurance available.
All plans include access to a 24/7 assistance hotline.
More expensive than average.
CFAR upgrades are not available.
Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $25 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

Offers last-minute coverage.
Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
Plan available for business travelers.
Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

Higher-level plan include optional add-ons for event tickets and for electronic equipment
Rental car protection add-on for just $8 per day, even on lower-level plan.
Many of the customizations are only available on the higher-tier plan.
Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

Travelers can extend coverage mid-trip.
The standard plan covers up to $300,000 in emergency evacuation costs.
Plans automatically cover 200+ adventurous activities.
No Cancel For Any Reason upgrades are available.
No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

Top-tier plan doesn’t break the bank and provides more customization opportunities.
Offers a plan specifically for domestic travel.
Sells a post-departure medical coverage plan.
Fewer customization opportunities on the Basic plan.
Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

Annual, medical-only and backpacker plans are available.
Cancel For Any Reason upgrade is available for the cheapest plan.
Cheapest plan also features a much less costly Interruption for Any Reason add-on.
Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

Coverage available for adventure travelers.
Special medical insurance for ship captains and crew members, international students and missionaries.
Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

The iTravelInsured Lite plan comes to just $150 for our sample trip to Mexico — nearly 20% above average.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
Adventure sports-specific coverage is available.
Plans have overlap that can be hard to distinguish.
Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $10 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

Covers up to $300 redepositing points and miles on eligible canceled award flights.
Optional add-on protection for business equipment or sports rentals.
Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

Covers travelers up to 95 years old.
Includes direct pay option so members can avoid having to pay up front for services.
A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverage are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

What’s not covered?

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Methodology

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans.

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Maybe you’re waiting for the next epic swell to hit Fiji, perhaps escaping the busy lifestyle for long empty barrels in Indonesia or thinking of an Australian surfing holiday.

We partner with leading resorts, boat charters and tour operators to provide their guests with a choice of travel insurance solutions for adventure and water-sport boat charters. STI Surf Travel Insurance is an authorised representative and distributor for some of the world’s largest travel insurance and trusted assistance providers.

Worldwide, surfing has also gained immense popularity, with numerous destinations now offering stunning surf spots, beautiful beaches, and a thriving surf culture. However, it’s important to remember that surfing can also be dangerous, and that proper safety measures and insurance coverage should always be considered before hitting the water.

Whether you are a seasoned surfer or just starting out, travel insurance can give you confidence while you enjoy the thrill of surfing around the world.

Travel Destinations

Surfing Australia

Surfing Indonesia

Surfing Fiji

Travel & Insurance News.

Making Waves: Exploring the Thrills of Wave Pools vs. Ocean Surfing

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Navigating Bad Weather on Your Snow Trip: Tips and Travel Insurance Coverage

Smooth Sailing: Navigating Scheduled Boat Charters or Cruises with Delayed Airlines

Know who has you covered..

Nib is Australia’s third largest travel insurer and global distributor of travel insurance through, nib Travel, providing financial protection and assurance to travellers wherever they are in the world and health and medical insurance to over 1.5 million Australian and New Zealand residents.

CoverMore are a global travel insurance provider and we’ve been protecting travellers since 1986. More than 15 million travellers worldwide trust us to protect their trips each year, including millions of Australian leisure and business travellers at home and overseas.

Global Rescue are there when you need it most and provide the finest integrated medical, security, travel risk and crisis management services available anywhere worldwide, delivered by our teams of critical care paramedics, physicians, nurses and military special operations veterans.

Insurance for Travel Covering Adventure Sports to Relaxing Getaways

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WHO IS SURF TRAVEL INSURANCE?

As the leaders in surf travel insurance since 2009, we have evolved into a InsureTech company specializing in multiple sporting and adventure activities with access to multiple trusted insurers worldwide. Here, in Australia we are licenced consultants for NIB Travel Insurance and Cover More Travel Insurance and Global Rescue.

With offices in Australia and Hawaii, our friendly team of insurance experts are on hand for customer inquiries for extreme sports through to leisure holidays. Our B2B team, network with leading tourism operators worldwide to provide their guests with a choice of travel insurance solutions for adventure and sporting experiences.

Head Office - Australia

+61 1300 992 543

[email protected]

Level 15 Corporate Centre One, 2 Corporate Court, Bundall, Qld 4217

STI Surf Travel Insurance Pty Ltd. 79083338649

Head Office - Florida

[email protected]

PO Box 97 Burleigh Heads Queensland 4220 Australia

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Surfing is automatically covered as approved sporting activities with all our insurers., group discounts are available, simply tell us the size of your group., maximum duration of any one trip:, choose your travel plan.

When you go away there are certain things that should be covered, so get your quote now and compare coverage on travel plans.

Trusted by over 2 million travelers every year. Travel insurance plans from Generali Global Assistance are only for U.S. residents.

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Sporting Equipment Delay (Premium & Preferred)
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Medical & Dental
Emergency Assistance & Transportation

Travel Services

24-Hour Travel Support Services
Telemedicine
No Out-of-Pocket Medical
Concierge Services
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Cover for Financial Insolvency (Premium & Preferred)

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Rental Car Damage
Trip Cancellation for any Reason (Premium)

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