Travel Insurance for Water Sports
Do I need extra travel insurance for water sports?
If you are planning on taking part in any water sports during your trip - great news - our policies come with some water sports covered as standard. Some water sports that are deemed as higher-risk, will not come as standard and will require you to add the 'extended-risk' add-on to your policy. This can be done at the time of booking your travel insurance once you get to the 'add-on' stage.
To see if your activity is covered as standard or requires the 'extended-risk add-on' take a look at our full activity table. Just type your activity into the search bar to see whether it's covered.
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Get a QuoteDo I need specialist cover for water sports?
If you are taking part in any water sports deemed to be 'higher risk' then these may not be covered as standard. In this case you will need the extended risk add-on to be covered. If you choose not to add this, then you will not be covered for any situations relating to the higher-risk activity.
What does Holiday Extras travel insurance policy cover?
- Emergency Medical Cover - If you fall ill or are injured, you can focus on your recovery, secure in the knowledge that we'll cover your medical expenses.
- Trip Curtailment - Having to cut short your holiday is never nice, let alone the sting of a financial loss. With our cover, you can be rest assured that cover for curtailment is in place should you unexpectedly fall ill and be forced to return home.
- Personal Possession cover - Personal possessions cover protects your belongings against loss, theft or damage, so the items that matter the most to you can be replaced or reimbursed.
Cover is subject to the terms and conditions of your policy and the authorisation of our emergency medical assistance team.
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Get a QuoteCompare travel insurance cover levels
Choose from three different levels of cover, each with its own cover limits. Ranging from a simpler 'Bronze' plan to a higher level 'Gold' plan, you can tailor your policy to suit your needs. Browse the key benefits below, or see the full breakdown in our cover-level table and Policy Documents.
Bronze
| £15,000,000 | Emergency medical and repatriation expenses |
| £1,000 | Cancellation & Cutting your trip short |
| £2,000 | Personal belongings |
| £500 | Personal money |
| £500 | Gadget Cover |
Silver
| £20,000,000 | Emergency medical and repatriation expenses |
| £2,500 | Cancellation & Cutting your trip short |
| £3,000 | Personal belongings |
| £750 | Personal money |
| £500 | Gadget Cover |
Gold
| Unlimited | Emergency medical and repatriation expenses |
| £5,000* | Cancellation & Cutting your trip short |
| £5,000 | Personal belongings |
| £1,000 | Personal money |
| £750 | Gadget Cover |
*Or as specified on your schedule
Can I still get covered for water sports if I have a medical condition?
Yes, provided you have declared your condition and it has been accepted, you will still be covered for low-risk water sports. You will also still be able to purchase the extended risk add-on if required too. Any pre-existing medical conditions (either past or present) should be declared at the time of purchasing your policy.
When purchasing travel insurance, you will be asked a few questions about your condition. This is to ensure you have the right level of cover for your trip. You can simply do this online or over the phone. If you will be travelling with medication, check out our page full of helpful tips and advice. You will also find more information on our page dedicated to travel insurance with pre-existing medical conditions.
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Looking for winter sports cover?
If you need cover for winter sports, our winter sports holiday insurance can be added to your policy at the time of booking. The add-on covers for things like equipment hire, personal equipment cover, for a range of wintry activities.
Let us answer your questions
Is water sports included in travel insurance?
Many water sports are included in our travel insurance policies. However, if your water sport is deemed as higher-risk, then this may not be included as standard, and you will need to purchase the extended risk activities add on to be covered. To check if your activity is covered as standard, you should read your Policy Documents., or use our activity checker.
Does normal travel insurance cover surfing?
How much does water sports insurance cost?
The price of your insurance policy will vary depending on a variety of factors. These can include things like your trip destination, your age, your level of cover and any medical conditions you may have. The water sports included as standard in your policy are covered at no extra cost. However, if your chosen activities fall under the extended risk category, you'll need to pay an additional fee for that add-on.
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Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1 Fen Court, London, United Kingdom, EC3M 5BN.
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk