While most insurance policies will cover your baggage up to a certain value, this may not meet the cost of replacing your expensive golf equipment if it gets lost, stolen or broken.
Playing golf could mean there’s a higher risk that you, or someone else, get hurt. So you may also need to think about personal liability. Although it’s rare, you could be sued if you injure a fellow golfer for example after hitting a wayward shot.
Therefore, you might want to think about an insurance deal offering higher cover for legal costs in case the worst does happen. Specialist golf travel insurance could pay out a refund of green fees too.