Surf Travel Insurance

Hitting the waves? Safeguard your adventure with comprehensive surf travel insurance, covering medical emergencies and more.

Looking for surf travel insurance that keeps you riding high?

We’ve shaped our cover for everyone from first-day foamie riders to barrel-hunting chargers. Getting insured with us is quick and hassle-free, so you can lock in the next set, not stress about medical bills or missing boards.

With our cover (and the Adventure Plus add-on for kite surfing), you’re covered for:

✅ Learn-to-surf lessons, guided paddle- and SUP-surf sessions.

✅ Emergency medical care for wipe-out injuries, reef cuts or broken bones.

✅ Evacuation by lifeguard, ambulance or air.

✅ Repatriation home and 24/7 emergency assistance.

What’s included in our surf travel insurance?

You're covered for:

  • Worldwide emergency medical expenses.
  • Trip cancellation & interruption.
  • Evacuation and repatriation.
  • Equipment loss.

What's not included in this policy?

Our surfing travel insurance does not provide cover for:

  • Competitions, tournaments or pro-level surfing: Our cover is for recreational sessions only. If there’s prize money or ranking points on the line, it’s on you.
  • Kite surfing without the Adventure Plus add-on: Grab the Adventure Plus upgrade first if you want to kite surf. Standard cover already includes regular surfing, paddle- and SUP-surf.

Rise & Shield is trusted by reputable tour operators and adventure companies

What does our surf travel insurance cover?

With Rise & Shield’s surf-trip insurance on your side, we safeguard every session, whether you’re paddling out for your first foam-top lesson or chasing heaving reef barrels abroad.

Regular surfing, SUP-surfing and paddle surfing are baked into every policy; only kite surfers need our Adventure Plus upgrade. So wax up, zip the board-bag and focus on the waves, not the paperwork.

Medical Emergencies and Evacuation

We settle overseas hospital bills for surf injuries (think reef cuts, fin gashes or snapped-ankle fractures) and, when a doctor orders it, arrange a lifeguard pickup, ambulance or emergency airlift to the nearest trauma centre.

Equipment Loss or Damage

From twin-fins and longboards to paddle-surf SUPs and action-cams, we reimburse or replace kit that’s stolen, lost or battered in transit. Add the High-Value Items bolt-on for extra protection of premium sticks.

24/7 Surf Assistance

Our surf-savvy support team is on call day and night to coordinate medical care and handle claims admin so you’re never left hanging.


Plus loads more benefits...

  • Travel Delay & Missed Departure Protection: If strikes, storms or a broken-down transfer make you miss your flight (or strand you for 12 hours), we refund the extra transport and accommodation you need to reach your surf camp. The same cover kicks in if a public-bus hiccup or rental-car breakdown makes you miss an onward hop.
  • 24/7 Emergency Surf-Travel Assistance: Day or night, our multilingual team is on call to arrange direct hospital payments, authorise ambulances or airlifts. One quick call and we handle the logistics while you focus on getting well.
  • Natural Catastrophe Cover: If a cyclone floods your beach bungalow, an earthquake rattles the coast or officials order an evacuation, we cover the extra travel and replacement digs so your trip can continue, or we’ll fly you home safely.
  • Adventure Bundle: Additional coverage for high-risk activities like swimming with sharks. (Optional adventure add-on)

Why do I need surf travel insurance?

Surfing is a rush, but regular travel cover wipes out fast the moment you paddle past the shore-break. 

Most off-the-shelf policies file surfing under “hazardous sports” and either exclude it altogether or charge a chunky add-on.

We think that’s daft, so we’ve baked recreational surfing, SUP-surfing and paddle surfing straight into every Rise & Shield policy. No upgrade, no faff. 

The numbers that should make you flinch:

  • Hospital bills stack up like sets in a storm: A routine three-night hospital stay abroad averages $30,000 before any surgery, scans or physio are added.
  • Medevac = mega-bucks: A single-leg stretcher flight can run $25 – 50k, while long-haul air ambulances out of Indonesia are quoted at about £85,000. One unlucky traveller hit $60k in Bali hospital fees before facing a $135k repatriation bill.
  • Generic policies often leave surfers high and dry: If your insurer’s fine-print lists “surfing, big-wave or otherwise” under exclusions, those figures above are coming out of your own pocket.
  • Boards and tech aren’t cheap: A quiver of custom sticks, fins, wetsuits and a GoPro can top £2k. Airlines pay pennies per kilo; our baggage section reimburses loss or damage up to the policy limits.
  • Peace of mind = better rides: Knowing we’ll front the bills, arrange the airlift and handle the paperwork lets you focus on lining up the next set, not deciphering foreign invoices.

In short: a week of Rise & Shield cover costs less than a fresh leash, yet shields you from bills that could sink a house deposit. Snap it up, wax up, and chase the waves. We’ve got the what-ifs handled.

Why choose our surf travel insurance?

Choosing Rise & Shield’s surf travel insurance means choosing coverage built for surfers. Here’s what makes us the top choice:

  • 24/7 Customer Support: Our team is available around the clock to answer questions or assist with emergencies, giving you the confidence to surf in even the most remote locations.
  • Simple Claim Process: Our claims process is straightforward, so you can get back in the water without unnecessary delays.
  • Competitive Premiums: We offer valuable protection at a price that won’t break the bank, tailored to meet the specific needs of surfers.
  • Customisable Coverage: Tailor your insurance with adventure add-ons to ensure every aspect of your surf trip is covered.

With Rise & Shield’s surf travel insurance, you’re set to enjoy the waves, beaches, and thrill of the ocean without the worry.

How do I buy surf travel insurance online?

Getting covered with Rise & Shield is easy. Follow these simple steps to secure your trip:

01

Get a Quote: Start by entering your trip details to receive a personalised quote.

02

Customise Your Plan: Tailor the coverage options to meet your specific needs.

03

Receive Instant Confirmation: Purchase and instantly receive your policy details via email.

Surf travel insurance FAQs

Is surfing automatically covered?

Yep. Recreational surfing, SUP-surf and paddle surfing come baked into every policy, no add-on needed.

Do I need the Adventure Plus upgrade for any board sport?

Only for kite surfing. Everything else that involves paddling with a board is already sorted.

Are contests or pro events insured?

Afraid not. We cover amateur fun only. Prize money, rankings or pro-am heats void the claim.

What happens if my board is lost or snapped in transit?

Claim under the baggage section, we reimburse repair or replacement up to the policy limits (depreciation rules apply).

Can I purchase surf travel insurance after my trip has started?

Yes, surf travel insurance is available even if your trip is underway.

However, benefits like trip cancellation coverage apply only if the insurance is purchased before your trip begins.