If you're planning your next golf trip, you may be surprised to see that certain travel insurance policies will include golf cover as standard. The only thing is that this is usually a very basic level of cover, and if you're planning on playing a lot of golf while you're away, you'll want travel insurance with golf cover, including clubs, missed green fees and public liability cover.
If you're ready to compare golf holiday insurance quotes for your next trip, click "Get a quote" to get started. If you want to check the level of cover that your policy offers, speak to your insurer for more details.
Golf travel insurance offers the same level of cover as a standard travel insurance policy would, including emergency medical care, repatriation cover and flight cancellation cover. The main difference between golf holiday insurance and standard travel insurance, is the specific cover for golf equipment, missed green fees and hole-in-one cover.
Exactly what is covered by your policy can depend on the insurer you go with and what they specify. It's worth checking policy documents before you buy so you're happy with the level of cover you're getting.
This is likely to be similar to what a standard travel insurance policy wouldn't typically cover. There are additional points relating to golfing you should be aware of, but always check what is and isn't covered before you buy a policy.
"Depending on the nature of your holiday, you may want to consider getting a travel policy that provides extra cover for golf. If you're going abroad to play in a tournament for example, then you're likely to want cover for more than just 1 or 2 rounds of casual golf. By getting a specialist policy that covers for things like tournament fees and hiring equipment, you're covered even if your flight gets cancelled or you can't travel."
There are some insurers that might not offer cover if you have a pre-existing medical condition. Others may offer golf travel insurance at a higher price.
The reason is that certain pre-existing medical conditions mean you might need emergency care while you're away, which your insurer might have to pay for. You therefore pose as a higher risk to insure. These conditions include:
You must tell your insurer about any health issues before searching for travel insurance to make sure you've got the right cover. If you don't and need to make a claim, it could be rejected and you'd have to pay for medical treatment yourself. If in doubt, contact the insurer before buying.
If you can't find suitable cover, the Money and Pensions Service (MaPS) might be able to help. This organisation has set up a directory of insurers who cover customers with pre-existing medical conditions through their brand MoneyHelper. You can also phone MaPS for free, impartial advice on 0800 138 7777.
There are different types of travel insurance, your needs should be reflected in the policy you decide to buy. It's worth considering a number of factors before settling on a policy such as the extent of cover you need.
Most travel policies cover golfing activities, but if it's your primary reason for travelling, you may need enhanced cover. You'll also need to think about how many trips you have planned, and how long you intend on going for.
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Your golf holiday insurance should include cover for medical expenses and treatment if you get injured while playing golf. It's important to check your policy documents to see what injuries are exactly covered before you tee off.
Yes, your golf travel insurance should offer hole-in-one cover. Unlike standard travel insurance, which wouldn't cover this, a specialist golf trip policy should cover any costs you have as a result. The tradition is usually something like a round of drinks for everyone in the clubhouse.
This depends on what level of cover you need. It's important to think about the value of your golf clubs and other equipment such as golf balls and golf trolleys. Before getting golf cover, you'll need to know how much all of your items are worth so you can have the right amount of cover in place.
It's also worth thinking about how often you plan on travelling to play. If you've got a few golf trips lined up in a year, it may be worth considering annual travel insurance with golf cover added on.
No, you usually won't be able to claim for any damage to a golf buggy. You'll usually only be able to claim for any injuries you've suffered while in a golf buggy.
If you need to make a claim for lost, stolen or damaged golf clubs, most insurers should replace them with clubs that are of equal value. You may be asked for receipts for your original clubs. Check the small print as there can be exceptions around the age of certain equipment.
Most golf travel insurance policies should cover you for the UK. Some insurers won't pay out on claims you make too close to home, so it's best to check if your policy has any restrictions like that.
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