Comparing insurance for your golfing holiday
It’s great fun to get away with friends for some golf in the sun. Whether you’re practising your swing at a championship course or combining a few informal rounds with a beach holiday, there’s nothing quite like strolling down a sun-drenched green.
To get the best from your trip, you’ll need peace of mind that you have a fall-back if something goes wrong. So it’s essential to get golf insurance.
Things to consider for golf cover
There are two key elements that you need to consider which could go beyond the average travel insurance policy.
First is injury. Playing golf on holiday might mean a higher risk of someone getting hurt. Needing medical treatment abroad can be pretty pricey, so people buy holiday insurance to cover any costs if something goes wrong.
A basic travel policy will often cover golf as a pastime, but if you’re planning any other activities alongside it’s worth checking what’s covered. To give you an idea, tennis, surfing and cycling are all usually covered in a basic policy, but mountain biking, rugby, winter sports and rock climbing are not.
The second is equipment. Most insurance policies will cover you for a certain value of baggage, but if you’re transporting your best golf clubs, this amount might not cover what you paid for them.
To make sure you have the right level of cover in place, you have two options. First, you could check the details of a typical travel policy to find out if your sports are covered and whether the baggage values are high enough. You could also call the insurer to see if they can offer more cover to suit you – some do offer special golf add-on cover.
The second option is to seek out a specialist golf insurance provider and buy a tailored policy. This might offer you more comprehensive protection – but may well cost more too.
What does travel insurance cover?
Policies will vary from insurer to insurer, but most should include emergency medical treatment costs, including hospital charges and ambulance fees. They should get you home after medical treatment abroad if you can’t use your original ticket.
The policy could also cover you for the loss of your baggage, golf clubs or other possessions, and give you a refund if the trip has to be cancelled or cut short for some reason.
If it’s a one-off trip, you could buy single trip insurance for your holiday, but if you have more than one trip planned in a year, it could be worth looking at annual travel insurance to save you money.
So how much will it cost you to buy your sports insurance? The premium depends on a few things, so a good way to explore your options is to do a travel insurance comparison.
Where are you going?
When you compare travel insurance you first need to confirm your destination. Choose your policy based on the UK, or for Europe, or the USA, Canada and Caribbean. You’ll need extra cover if you’re going to the USA, Canada and the Caribbean, and if you’re going further beyond we’ll ask you to name the country as part of our quote journey.
Do you have a European Health Insurance Card (EHIC)? If you need medical treatment while travelling within many European countries, the EHIC means you can get treatment on the same basis as people who live in that country. However, it will be on the basis you get taken to a public not private hospital. In the event of an emergency you will be taken to the nearest hospital. Also some policies will waive your excess if you have one.
But don’t be fooled - the EHIC isn’t a substitute for travel cover. It wouldn’t pay for getting you home or other costs linked to your medical emergency. They are also date-specific, so check the expiry on your card before you travel. Be aware too, that not all European countries recognise the EHIC . Outside the EU of course there’s no EHIC, so it can be more expensive again to get medical support.
You can buy travel cover just for you, or you could buy it as a couple, cover your family or a group. If you’re getting a quote to cover other people, you’ll need their dates of birth and details of any medical conditions they might have.
Your health is important
If you have a health condition, insurers might think that you‘re more likely to need medical help while you’re away on your golfing trip. That’s why some conditions can make insurance premiums more expensive but this isn’t always the case with all conditions.
It’s important to list any medical conditions and give insurers all the information they need because, if not, you might be charged more by your insurer or not be covered. If your insurer discovers that the medical emergency on your trip was linked to a condition or injury you already had, they could refuse to pay your bills or add a cost.
Compare and save!
You should now see a page of travel insurance quotes, listed in price order with the cheapest travel insurance at the top. All the main details of each policy are listed – the amounts of medical, baggage and cancellation cover and how much excess you would pay if you did make a claim. You can filter your results too. Click each policy for more details about what is and isn’t included.
Once you have found a travel insurance quote that suits you, click the button to go through and buy. But do make sure you read all the details. You might find that golf is covered, but something else you decide to do on your trip – sea fishing or surfing – is not.
We hope you never need to claim on this or any golfing trip, but make sure you have the right sports insurance cover, just in case.