travel insurance with golf clubs

Best Travel Insurance For Golfers 2024

If you are going away then getting good travel insurance for any eventuality is a must.

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Best Travel Insurance For Golfers

We all love a good golf trip don't we? Whether it is to Portugal, Spain, resorts in the United States, or even further afield to the UAE or Australia, the idea of playing golf abroad with friends is as good as it gets.

However before you get too excited and go about booking your next trip, there are several things you need to get right. For a start, if you are taking your golf clubs a good travel bag is a must and going one step further, making sure you have insurance on your clubs, as well as travel insurance for your entire trip, is arguably as important as it gets. Knowing you are covered for any eventuality allows you to properly relax.

There are loads of companies and plans out there which is good because there is a lot of choice, but at the same time this can be overwhelming so we have sought to help you out by narrowing down some of our top recommendations for travel insurance for golfers. 

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The top way of getting the best quote on your travel insurance is through a comparison website. This allows you to tailor your package to what you want the most and from our experience Go Compare is one of the best. I never thought I would say that after the most annoying television adverts in history but the variety of  price and merchant is second to none. Additionally you get good choice in terms of cancellation, medical and baggage cover. 

Get a quote with Go Compare

You can get an easy quote from Go Compare by simply adding your travel information, some personal information, and what kind of cover you want as well. 

What to consider when buying travel insurance

So what are some of the things you need to consider when buying travel insurance? We have given some key factors and considerations below. First we would recommend checking your usual travel insurance provider to see if it covers golf whilst on holiday but on some occasions a specialist policy is needed.  

Damaged, stolen or lost golf equipment -  If you are taking your pride and joys away with you this is probably the most important aspect to get right. We would recommend picking a plan that offers a good amount here, so that if the worst comes to the worst, you are properly covered. Also we would recommend having some kind of idea of how much your equipment is worth whether that be clubs, carts or tech. 

Just some of the other aspects to consider in a typical golf travel insurance plan are: 

Cover for non-refundable green fees , if you can't play due to an accident, sickness or adverse weather.

Replacement golf equipment hire

Financial failure protection if your travel company, hotel, or airline go into administration 

Medial and repatriation expenses

Personal liability insurance and legal costs, incase you injure another person while playing

Damage to third-party property , in case a wayward shot breaks a window or hits a car

Cost - Of course cost is an important factor to consider because there are plans at lots of different price points. Therefore we would recommend picking a plan that you can afford, whilst also making sure it offers enough cover for you as well.

How do you insure golf clubs when flying?

Plans with baggage insurance are recommended for travelers to protect belongings against loss, theft, or damage. For golfers traveling with their clubs, special consideration should be taken for plans with baggage insurance that offers sporting equipment coverage.

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Help Protect Your Golf Clubs and Vacation with Travel Insurance

Travel Smarter™ — don’t worry about your clubs

On a golf vacation there’s one thing that will throw your game off for sure—missing golf clubs. Not only do our travel insurance plans include robust coverages that can cover you and your travel companions, but we even have plans that can cover your clubs.

What's the worst that could happen?

Sporting Equipment Loss or Delay:  Don't let lost, stolen or damaged baggage ruin your golf vacation. Our Preferred and Premium plans include extra coverage for your golf clubs. If they’re delayed for a certain period of time, we can even cover your rental costs so you can make your tee time.

Medical Emergency:  Did you know every year nearly 40,000 golfers end up in emergency rooms after being injured while playing? 1 Our plans include 24-Hour Emergency Assistance Services, for immediate aid accessible from anywhere in the world, as well as Medical and Dental coverage.

Trip Cancellation:  Our plans cover expenses or losses for around 20 different types of events that could cause you to cancel your travel plans. If you’ve scheduled pre-paid, non-refundable tee times, those costs can be reimbursed with the rest of your trip costs if you cancel your trip for a covered reason.

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The Best Golf Club Travel Insurance

As a company of avid golfers, we love our clubs just as much as you love yours. So, we understand that your sticks aren’t just another piece of equipment, but they’re of great value to you, too. We also understand that the prospect of checking baggage at the airport can be nerve-wracking. After all, the thought of leaving your precious clubs in the hands of unknown baggage handlers can evoke a sense of unease and vulnerability.

Recognizing the anxiety that comes with entrusting your golf clubs to the uncertainties of travel, we emphasize the indispensable nature of golf club travel insurance. It becomes a reassuring ally in the face of these concerns, providing a layer of protection that extends beyond the uncertainties of airport handling. With golf club travel insurance, you not only safeguard your clubs from unforeseen mishaps but also alleviate the apprehension associated with parting ways with your prized possessions.

Protect Your Gear with Golf Club Travel Insurance 

With Ship Sticks’ golf club travel insurance, protecting your clubs can be completed in just a few clicks. All golf club shipments come with $1,000 of complimentary coverage. Should you need to insure your bag for more, Ship Sticks offers up to $7,500 of value protection on domestic and international shipments for a small, nominal cost.

When selecting your preferred level of golf club travel insurance, Ship Sticks recommends selecting an option equal to your shipment’s overall value. While damage and loss are extremely uncommon, Ship Sticks hopes you’ll find comfort in knowing your clubs come with a minimum of $1,000 in golf club travel insurance, a service unmatched by any major airline or shipping competitor.

Should you wish to travel entirely bag-free on your golf trip, Ship Sticks makes it easy to ship your luggage as well. From carry-on baggage to oversized luggage, send everything you’ll need for your trip ahead of your arrival. $500 of complimentary insurance is included with all luggage shipments and, like golf clubs, you have the option to insure for up to $7,500.

Be sure to select your desired insurance amount while booking online. Or, if you’re booking over the phone, simply tell your booking agent what insurance amount you’d prefer. It’s just that easy!

In addition to golf club travel insurance, Ship Sticks also includes an on-time delivery guarantee, so your golf clubs arrive at the first tee before your tee time, every time. For even more peace of mind, each shipment is paired with a unique tracking ID. So, you’ll be able to follow the status of your sticks every step of the way.

In addition to golf club travel insurance, pay special attention to how you’re packing your golf clubs. Begin by covering clubheads with secure headcovers to prevent scratches and dings. Or, remove the club heads and stow them in a pocket of your golf bag if possible. We also recommend adding extra padding within the bag, such as golf clothing or towels to act as a buffer between the golf clubs sticking out of your bag. Consider adding a stiff arm to your bag, too, that will guard the top of your bag against impacts.

A meticulous packing approach not only protects your beloved clubs from potential damage but also contributes to a worry-free travel experience! Check out our guided video below for step-by-step packing instructions.

The importance of ensuring the safety and protection of your golf clubs during travel cannot be overstated. This is where golf club travel insurance becomes an indispensable companion on all your golf trips. With this insurance, you can travel with the confidence that your beloved clubs are shielded from unforeseen mishaps. If you’re interested in learning more about our golf club travel insurance, contact our customer support team, available seven days a week.

Megan Williams

Meet Megan Williams, a wordsmith with a passion for golf, travel, and the epic combination of the two! Originally from Myrtle Beach, South Carolina, the Golf Capital of the World, Megan has played golf since she was a child, eventually playing competitively in college. She's since swapped her golf clubs for the keyboard and skillfully translates her on-course experiences into captivating narratives and insightful stories. When she's not crafting engaging content, you can catch her enjoying the company of her energetic golden retriever or trying new culinary delights around Tampa, Florida - her current stomping grounds. Join Megan on her literary journey as she explores golf courses and resorts worldwide, shares travel knowledge and shipping tips, covers industry news, and more - all exclusively on the Ship Sticks blog.

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Golf Trip Insurance

Travel insurance for your golf vacation.

A golf trip sounds rather benign to the inexperienced, but as peaceful as it might be to imagine the rolling greens of the golf course and sinking birdie shots, there are many things that can go wrong to sour the trip.

What if the airline loses or damages your golf clubs or other baggage? Many airlines will not reimburse travelers for loss or damage to such expensive equipment. Or, perhaps you paid your greens fees as part of a golf travel package, but the weather doesn’t cooperate and your trip is cancelled. If those fees were non-refundable, you just lost your money. Golf trip insurance can protect you.

With a golf trip insurance plan from RoamRight, your golf trip is protected:

• Baggage coverage  for lost golf bags, clubs and shoes
• Reimbursement for greens fees that are part of a golf trip package if your tee time is missed due to trip interruption or delay
• Medical coverage  for golfing accidents or other illnesses or injuries
• Trip Cancellation  and  Trip Interruption to cover costs of other unused, non-refundable deposits and payments like equipment rentals and lessons.

To enjoy the peace of mind that comes with golf trip insurance, get an instant quote or see our  other available travel insurance plans to view even more options. Representatives are standing by over live chat to answer any questions you may have.

*To obtain a quote for golf trip insurance, look for the "sports insurance" upgrade when you get a quote.

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Our Golf Travel Insurance policy options

Put simply, we offer three different policy options…

1. Golf Travel Insurance

Our worldwide Golf Travel Insurance can cover you whilst playing golf abroad for leisure or competition. This includes cover for medical and repatriation costs, trip cancellation, and more.

2. Golf Travel Insurance Bolt-On

If you have a travel insurance policy with another provider, such as your bank, but it does not include cover for Golf, we can provide a bolt-on style of protection under our “Activity TopUp” policy.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect you for Golf in the UK. Our policy provides personal accident, and if selected, can include additional Income Protection.

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Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

Why buy golf travel insurance?

Whilst the risks associated with golf are proportionally lower than many other sports, it is worth considering what can go wrong whilst you’re abroad.

If you are planning to travel with your own clubs, ensuring these are covered under your policy is a good idea. Our Golf travel policy can provide protection for up to £5,600 worth of equipment as an optional extra. This would cover your golf clubs from damages, loss, or being stolen,  both on and off the course.

In the unlikely event of an injury to you or someone else whilst playing, the policy also includes personal accident and personal liability insurance as standard.

What does golf travel insurance cover? 

Should you get accidentally injured or require medical assistance whilst playing golf overseas,  golf travel insurance will cover your healthcare and repatriation costs. 

Our policy will also cover you during your trip when you are not on the course, just like a standard travel insurance policy.

You will receive cover for trip cancellation and curtailment, personal liability to cover you from accidental injury to a third party, plus golf equipment cover.

Frequently Asked Questions

Our Golf Travel Insurance policy provides up to £5,600 worth of equipment cover as an optional add-on. This not only protects your clubs and other equipment, but also any gear you may hire during your trip. It also covers your golf equipment in transit to and from your destination.

Yes, our Golf Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our Golf Travel Insurance online up until 74 years old, above this age you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2021 to Dec 2021 inclusive.

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Golf Travel Insurance - Golf Cover for You and Your Equipment

Travel insurance for golfing trips abroad.

Golf Cover Insurance has been designed with golfers in mind and although playing non-competitive golf is covered within our policies under activities pack A at no extra cost, it is worthwhile considering taking out the Golf Cover Insurance extension. This Golf Holiday Travel Insurance extends your standard Travel Insurance policy to provide golf club cover, safeguarding your equipment and non-refundable green fees. It can be added to most Travel Insurance policies taken out with Just Travel Cover, including single and annual trips.

All Travel Insurance policies at Just Travel Cover come with Covid-19 cover as standard. Covid-19 cover offers your protection against cancellation if you contract Covid-19 before your holiday and cannot travel as well as emergency medical expenses if you contract Covid-19 whilst abroad.

Golf Insurance with Cover for Medical Conditions

Don’t forget that as we work with a panel of insurers we can provide cover for hundreds of pre-existing medical conditions with no upper age limit. We advise to always check the policy wording to ensure that you have the appropriate level of cover for your needs and are aware of any exclusions that may apply. It is important that you declare all pre-existing medical conditions when getting Golf Travel Insurance. This way, you are covered should anything health-related go wrong on your golf trip. We cover more than golf clubs and equipment. We also offer protection for cancellations and cover for emergency medical expenses, including repatriation, should you need to return home quickly due to a medical emergency. Plus, with our 24/7 support, help is just a phone call away, providing peace of mind so you can focus on enjoying your game.

Is It Worth Getting Golf Cover Insurance?

Travel Insurance with golf extension protects any owned or hired golf equipment. The additional golf club insurance for travel will include the repair or replacement of golfing equipment that has been lost, stolen or damaged whilst on your trip. You will also be able to claim a set amount for the cost of hiring replacement golf equipment that was a result of accidental loss, theft or damage to your own golfing equipment during your golf break.

Not only this, Golf Cover Insurance also provides cover for loss of non-refundable green fees and some insurers offer cover for ‘Hole in One’. When getting a Golf Travel Insurance policy, make sure to add the ‘golf cover extension’, as well as declaring any medical conditions, and we will only show you policies that can provide golf cover insurance for you and your golfing equipment and any medical conditions you may have. This way, you can compare policies tailored to you and your golf holiday. Always check your policy wording for your chosen insurer as cover varies by insurer and some policies contain exclusions.

Find the Perfect Match with Golf Insurance Comparison

Our Travel Insurance comparison tool allows you to compare from multiple insurers, all of which can provide the golf cover you are looking for. After answering a few questions about your age, medical history, destination, duration of trip and adding on our golf cover extension, we will only show you policies that are suitable for your travel requirements, including your medical history, age, and type of golfing holiday. Golf insurance comparison is made easy with Just Travel Cover.

Other Benefits of Golf Cover Insurance

Not only do you get the same benefits as a standard Travel Insurance policy you will also get the following benefits with Golf Cover Insurance:

Golf Equipment

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Golf club travel insurance.

As a golf enthusiast, your clubs are probably one of your most prized possessions. You’ve invested time, money, and effort into building the perfect set, so it’s only natural that you’d want to protect them at all costs. Unfortunately, accidents can happen when you’re on the go, and golf clubs are particularly susceptible to damage during travel.

Why You Need Golf Club Travel Insurance

Whether you’re heading to the golf course for a weekend getaway or traveling to a championship tournament overseas, your clubs need to be properly protected during transit. This is where golf club travel insurance comes in. This type of insurance provides coverage for any loss or damage to your clubs while they’re in transit.

But why do you need golf club travel insurance specifically? Can’t you just rely on your regular travel insurance to cover your clubs? While it’s true that some travel insurance policies may offer limited coverage for sports equipment, they often come with exclusions and limitations that could leave you with inadequate protection. Golf club travel insurance, on the other hand, is tailored specifically to golfers and offers comprehensive coverage for all types of loss or damage.

What Does Golf Club Travel Insurance Cover?

Golf club travel insurance typically covers a range of scenarios, including:

How to Choose the Right Golf Club Travel Insurance

When it comes to choosing the right golf club travel insurance, you’ll want to consider a few key factors:

• Level of coverage: Make sure the policy covers all scenarios relevant to your needs, such as damage, loss, theft, or delay of clubs, as well as trip cancellation or interruption.
• Deductibles: Check the deductibles or excess fees that apply, as well as any coverage limits or exclusions.
• Price: Compare pricing from multiple providers to ensure you’re getting the best value for your money.
• Policy duration: Consider the length of your golf trip and whether the policy duration matches your needs.
• Provider reputation: Research the reputation of the insurance provider and read customer reviews to ensure they have a reliable claims process and good customer service.

Here are some frequently asked questions about golf club travel insurance:

What’s the difference between golf club travel insurance and regular travel insurance?

Golf club travel insurance is a type of travel insurance that specifically covers loss or damage to golf clubs during transit. Regular travel insurance may offer limited coverage for sports equipment, but it may not cover all types of loss or damage, and may come with exclusions and limitations.

Do I really need golf club travel insurance if I only travel with my clubs occasionally?

Even if you only travel with your clubs occasionally, accidents can happen, and the cost of replacing or repairing them can be high. Golf club travel insurance provides peace of mind and financial protection in case of loss, theft, or damage to your clubs.

What if my golf clubs are old or custom-built?

Golf club travel insurance typically covers all types and ages of clubs, including custom-built or vintage clubs. However, you may need to provide proof of their value or purchase price in order to be eligible for full coverage.

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Golf travel insurance

We know you’re not really that interested in travel insurance . We know you’re only buying it because you need it. Don’t worry – we want to make getting covered as quick and as simple as possible so you can get on and enjoy your golfing holiday.

What is covered with golf travel insurance?

With a golf travel insurance policy from InsureandGo, you can get cover for your golf equipment and your green fees, as well as everything else from trip cancellation to medical expenses. You’ll be covered while you’re away, even if you’re doing it for your entire trip.

Golf equipment cover

We cover up to £1,500 worth of golf equipment, with each item/pair insured up to £250. Equipment that can be covered in your golf policy includes:

• Non-motorised trolleys

You’ll be able to claim for any items declared on your policy if they’re lost, damaged or stolen during your trip. Any item over the value of £100  may  be subject to a 10% deduction where you can’t show us with proof of purchase (like the the original receipts).

Green fees cover

You’ll be covered for up to £75 a day and up to £300 for a percentage of the cost of your green fees, where you can’t get a refund. These can include hiring golf equipment and tuition fees. We’ll cover you if you can’t play due to illness, injury, or if you have documents lost or stolen that prevent you from taking part.

Hole-in-one cover

Although insurance traditionally covers you if something unlucky happens, hole-in-one cover makes sure that, if you’re lucky enough to hit an ace, you won’t get stuck footing the entire bar bill!

Golf clubs around the world have it written into their club rules that anyone who hits a hole-in-one has to buy everyone (or at least their playing group) a round at the clubhouse. Our hole-in-one cover could save you a pretty penny by offering up to £100 towards the costs.

When you claim, you must obtain a written report from the golf club secretary confirming the competition details counter signed by your playing partner together with the original certified score card. You must also get receipts from the golf club for expenditure incurred immediately following your hole-in-one.

For more details about all parts of our golf travel insurance, please see our  policy documents page .

If you’re planning on more than golfing on your holiday, we cover over 50 sports and activities as standard. Check out which  activities you’ll be covered for online  or in our policy documents.

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Golf Travel Insurance

Golf travel insurance: playing golf abroad.

Golf is a universal sport, and with so many great, accessible courses across the globe, it’s hardly a surprise that golf holidays remain ever popular. For peace of mind, it is worth considering golf travel insurance to ensure you’re protected.

What is golf travel insurance?

Golf travel insurance means you’ll be protected should the unexpected happen while you’re away.

Most standard travel insurance policies won’t provide the necessary level of cover you need for a golfing holiday, meaning you’ll often have to fork out extra to add golf clubs onto your policy.

Travel insurance from elsewhere may also not provide sufficient Public Liability, Golf Equipment Hire, or Dental Treatment cover.

However, specialist golf travel insurance with Golf Care takes care of this.

Why does a golfer need golf travel insurance?

Many regular travel insurers don’t provide the specific cover that golfers need once they venture beyond their local course. But at Golf Care , we understand exactly what you need.

As a regular golfer, your clubs and other golf equipment are your pride and joy, and we know you’ll probably want to take them with you on a golfing holiday, rather than hire equipment you’re not used to when you’re there.

Considering your clubs and golfing accessories may cost you a fair amount of money, it’s important to make sure they’re properly protected abroad with golf travel insurance.

If you decided not to take your clubs abroad with you, the last thing you want is to be wasting valuable playing time waiting for replacements—again, something which regular travel insurance rarely accounts for. That’s why through Golf Care, the cost of temporary equipment hire * is covered, to get you back out playing in no time.

While playing unfamiliar courses abroad is exciting, the unknown creates more opportunities for accidents. As such, golf travel insurance covers you for accidental damage to third party property, injury to another person while playing golf, or personal injury on the course.

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What type of travel insurance does a golfer need?

The most essential parts of golf travel insurance are:

Equipment cover

This covers your clubs, bag and other golf accessories for theft, loss and damage. With Golf Care, you can purchase Equipment cover ranging from £1,500 to £7,500.

Personal Accident Cover

This protects your own personal welfare for up to £50,000 should you get seriously injured playing golf.

Public Liability

This covers your legal liability to third parties for personal injury or damage to property while playing golf. With Golf Care, you get £10m worth of Public Liability cover as standard.

Accidental Damage

This covers you in the event of loss or damage to the property of others while playing golf.

What does golf travel insurance cover?

With Golf Care, golf travel insurance can cover your clubs, bags and accessories** against loss, theft, and damage when you travel.

Cover is split into four levels according to your equipment value and the territories in which you want to be covered. The coverage breakdown is as follows:

Bronze Policy

Equipment cover up to £1,500

Public Liability up to £10m when playing in the UK, unless additional Worldwide cover is selected

Silver Policy

Equipment cover up to £2,000

Gold Policy

Equipment cover up to £3,500

Public Liability up to £10m when playing anywhere in Europe Personal Accident cover up to £50,000

Platinum Policy

Public Liability up to £10m when playing anywhere in the world Personal Accident cover up to £50,000

Regardless of which policy option you choose, we’ll replace your golf clubs on a ‘new-for-old’ basis if they were purchased new and are up to three years old, subject to satisfactory proof of ownership.

Items over three years old or not purchased new will be replaced on their indemnity value at the time of loss or damage.

How much does golf travel insurance cost?

The cost of your policy will depend on the level of cover you choose.

Policies through Golf Care start from as little as £27.72 per year. Get an online quote for your cover here .

Why choose Golf Care for golf travel insurance?

Golf Care was founded by golfers, for golfers. We understand your golfing needs better than anyone.

All golf travel insurance policies with Golf Care are underwritten by the Ripe Guarantee , meaning we won’t be beaten on price for the same level of cover anywhere else.

With every policy, you’ll also get:

• 12 FREE golf balls
• 3 FREE rounds of golf and ball marker
• Exclusive competition hole-in-one bar bill cover

Get an online quote for your cover here .

* We will pay for equipment hire up to the limit stated in the insurance schedule, and the hired equipment must be comparable to the lost or damaged.

** Golf equipment includes your clubs, balls, bags, trolleys, carts, clothing, GPS devices and GPS watches, and other accessories purchased for playing golf.

The time for Europe or Worldwide cover is deemed to be from the time you leave your normal or temporary residence, place of work or education (whichever the later) whilst travelling to your overseas destination or accommodation until returning to your normal or temporary residence, place of work or education after the golfing event or holiday (whichever the earlier).

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Golf Care® is a registered trademark and a trading name of Ripe Insurance Services Limited which is Authorised and Regulated by the Financial Conduct Authority No.313411. Registered office: The Royals, Altrincham Road, Manchester M22 4BJ. Registered in England No. 04507332.

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IMPORTANT:   15 or 21 day deadlin e – You will not be able to purchase a Cancel For Any Reason (CFAR) travel insurance policy from the two companies we recommend or have pre-existing conditions covered if a policy is not bought within 15 or 21 days (15 days with TravelGuard or 21 days with TravelSafe/GolfSafe) of paying your initial trip deposit to us (the day you pay counts as day 1). If you pay deposits for others in your group, the clock starts ticking from the day you paid their deposit. CFAR policies must be purchased for the entire cost of your trip with Pioneer Golf in order for certain provision to be valid (including CFAR reimbursement). If you buy your policy for a certain trip cost and later that trip cost increases (e.g., you add another round), you must contact the travel insurance company to increase the coverage amount of your policy and pay the added premium within a few day of paying the extra amount to Pioneer Golf (if you don’t do this, you risk certain claims being denied).

You must insure your trip for your full Pioneer Golf package price (you do not need to include your airline tickets) – the insurance provider will deny certain claims if you underinsure your trip , even if it’s for a nominal amount (yes, even just $1). If your trip price increases after signup (adding a round of golf , a hotel night, etc.), you must increase your coverage to reflect the new amount to be considered insured.

Given these extraordinary times, we suggest you consider purchasing travel insurance. We have managed to negotiate and make available a plan that offers coverage against pandemics.

The COVID pandemic has highlighted the importance of a policy that contains a Cancel for Any Reason (“CFAR”) provision . Please note that you can purchase a CFAR policy if done so within 15 or 21 days (15 days for TravelGuard, 21 days for TravelSafe/GolfSafe) of paying your initial deposit . Day 1 is the date of payment, not the day after. If you miss this deadline, note that the insurance company will not make any exceptions whatsoever. Policies without a CFAR provision will not cover you in case of cancellation due to Covid (unless you actually can’t travel due to having Covid yourself).

If you missed the deadline to purchase a CFAR policy, we suggest that you still consider protecting your trip with a regular policy (one without a CFAR provision). These policies will generally protect you in case of illness or injury , and include coverage that will generally cover the expense of having to extend your stay abroad in case you test positive for Covid while on your trip and need to self-isolate. They also include coverage for a variety of other reasons/scenarios (e.g., missed connections, lost clubs, transportation costs if your flight is late and the rest of your group has already left the airport, etc.). Unfortunately, each year we have clients cancel their trip due to injuries or an unexpected medical diagnosis. Note that payments to Pioneer Golf are non-refundable (as we make non-refundable payments to vendors) so it’s a good idea to purchase a travel insurance policy to protect yourself in case of the unexpected.

Note that in general travel insurance policies will only cover pre-existing conditions if the policy is purchased within 15 or 21 days of paying your initial deposit and you’re able to travel at the time of purchase.

For US Residents:

TravelSafe is one of the most respected travel insurance providers and offers policies underwritten by one of the most recognizable names in the insurance industry (Nationwide Mutual Insurance). Note that their “GolfSafe Secure Plus ” policy includes CFAR coverage at a 75% reimbursement rate . For any specific details and questions about the plans and cover limits, please contact the TravelSafe customer service team at 800-523-8020 (you can’t purchase a policy by phone) or [email protected] . All policy details including state certificates are made available when you get a quote. The “GolfSafe Secure Plus” policy is currently not available to residents of NY and WA.

Resident of all states (other than WA and NY): To purchase a GolfSafe policy click HERE . Policies can only be purchased online. Pioneer Golf is unrelated to this insurance company (TravelSafe/GolfSafe/Pattern) and unrelated to the underwriter (Nationwide). We are merely pointing our customers to an insurance provider that offers CFAR policies. You can certainly buy a policy from any travel insurance provider or elect not to purchase a policy at all.

Residents of WA , please click HERE for a TravelSafe quote. These policies are similar to the GolfSafe policies mentioned above but exclude some golf specific coverage.

Residents of NY , please click HERE for a Travel Guard quote. Because TravelSafe/GolfSafe does not offer policies to NY residents, we recommend purchasing a policy from Travel Guard, a completely different company. Pioneer Golf is also unrelated to TravelGuard who is owned by AIG. Note that their CFAR coverage is at 50% as opposed to TravelSafe’s 75%.

To Do’s when Purchasing

How much to insure for? +

You should insure the entire cost of the trip when you purchase a policy. Include every dollar (don’t round down) you paid to Pioneer Golf as any less may result in a claim being completely denied. In addition, if the cost of your trip later increases (e.g., you add a round of golf after payment), you must increase the coverage amount on your policy within 10 days of making the change by contacting the insurance company, or you may risk having a future claim denied.  We suggest doing this the same day as payment to avoid any issues. You can consider adding the cost of your airline tickets. It’s not mandatory and may not make sense if your airline tickets are fully-refundable. It also can be done after purchasing a policy (i.e., when you get around to purchasing your airline tickets) by calling the insurance company. It’s better to be over-insured than under-insured. Note that travel insurance policies can usually be cancelled for a full refund within 10 days of purchase (this may differ slightly by insurance company or may depend on your state of residency). Note that NY residents have the strictest cancellation terms and should clarify those with the company they chose to buy from before purchase.

What dates to use? +

If you do not have specific dates for the trip yet, include estimated dates. These dates can be updated once the trip dates are confirmed. Don’t forget to update dates as having the wrong dates may impact a claim.

For the “Deposit Date” use the date that you paid your initial deposit to Pioneer Golf. You have 15 or 21 days (depending on who you buy from) from this date to buy a CFAR policy.

Which policy to buy? +

The two policies most commonly purchased by our clients are the GolfSafe Secure and GolfSafe Secure Plus policies. The GolfSafe Secure Plus policy is more expensive because it includes a CFAR provision which allows you to cancel for any reason including Covid. Pre-existing conditions are covered under either policy but only if the policy is purchased within 21 days of paying the initial deposit.

Why is the GolfSafe Secure Plus policy listed as “not available” or not listed at all? +

GolfSafe currently does not offer CFAR policies to residents of NY or WA. If you have a second residence in a state other than these, you can use that address in order to buy the GolfSafe Secure Plus policy.

If you are a WA resident, you can instead purchase a TravelSafe CFAR policy (this is a very similar policy to the GolfSafe Plus policy, it is simply less golf specific) HERE — Make sure to select the TravelSafe Classic policy and to select “Yes” for Cancel For Any Reason under the additional options. Under this policy, trip cancelation for a non-covered reasons is covered at 75% of your trip cost.

There are very few CFAR policies available for NY residents. In fact and as far as we are aware, only TravelGuard offers true CFAR polices to NY residents. We have heard that Alliance does as well but that it is not a traditional CFAR policy. The CFAR policy through TravelGuard covers cancelation for a non-covered reason at 50% of your trip cost (as opposed to 75% for residents of other states with TravelSafe/GolfSafe) and can only be purchased within 15 days from your initial payment . Pre-existing conditions are only covered if purchased within 15 days as well. The CFAR component is an add-on to one of the Travel Guard’s Deluxe or Preferred plans. Make sure to scroll down and select NYCFAR in addition to your chosen policy. Get a quote HERE .

Note that CFAR policies are only available if bought within the 15 or 21 days of the payment of your initial deposit. Day 1 is the day payment of your initial deposit is made, not the day after. If you miss purchasing a CFAR policy within this time frame, note that the insurance company will not make any exceptions whatsoever, and a CFAR policy will not appear as available on their website. If purchasing on a cell phone browser and if only offered the regular policy, note the arrows on the right that if clicked will display the CFAR policy. Alternatively, use a desktop to purchase.

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~ underwritten by Nationwide Mutual Insurance ~

For Residents of Canada:

GolfSafe does not provide insurance to non-US residents. However, it’s parent company, TravelSafe, does offer travel insurance plans to Canadians.

TravelSafe offers a Cancel For Any Reason (CFAR) plan for Canadians. TravelSafe policies are comparable to GolfSafe, simply a little less golf specific. The plan does cover sports equipment up to $1,500.

A quote can be obtained HERE — Make sure to select the TravelSafe Classic policy and to select “Yes” for Cancel For Any Reason under the additional options. Under this policy, trip cancellation for a non-covered reasons is covered at 75% of your trip cost.

A General Introduction to Travel insurance and CFAR

In general, travel protection policies offer protection/reimbursement for a myriad of reasons. Coverage and cost depends on how comprehensive the policy is. In the travel insurance market, you generally get what you pay for. Specifically with regard to cancellation protection, most policies will offer 100% coverage for cancellation due to “covered reasons”. A medical issue or injury is usually a covered reason as are plenty of other reasons. Pre-existing conditions are usually only covered if a policy is purchased with 15 or 21 days of the payment of an initial deposit. Reasons such as your pet’s passing or a pandemic are not usually “covered reasons”. Policies with a CFAR provision are more comprehensive than basic policies as they will add coverage for cancelation due to reasons that are not “covered reasons” such as Covid. You can essentially cancel your trip and get reimbursed for any reason whatsoever. However, these polices are expensive and no insurance provider will reimburse 100% of a trip’s cost under a CFAR policy and for an uncovered reason. The highest percentage coverage rate in the marketplace at the moment is 75%.

Continue Reading →

Traditionally CFAR coverage for non-covered reasons has been at 75% of the trip cost; however and due to the mass disruptions and unknown future of Covid, many travel insurance providers have completely discontinued offering policies with a CFAR provision. Others have lowered their CFAR coverage from the traditional 75% down to 50% of the trip cost (note that cancellation due to “covered reasons” are still at 100%). Our terms and conditions stipulate that all deposits and final balance payments are non-refundable so we suggest you protect yourself by purchasing a travel insurance policy with a CFAR provision with the highest percentage of coverage possible. One company, TravelSafe (underwritten by Nationwide Mutual Insurance) still offers a policy with CFAR at 75%.

Some supplemental coverages are only available if a policy is purchased within a certain time frame. In particular, if you would like to have CFAR coverage in order to “Cancel For Any Reason”, you must purchase your policy within 15 or 21 days (depends on the company you purchase from) from the day you pay your initial trip deposit. Cancellation due to a pre-existing condition is only covered if the policy was purchased within 15 or 21 days (depends on the company you purchase from) of the initial deposit date. Please review all policy details carefully before making a decision.

Travel insurance is offered by many independent third parties with terms and conditions of their own that can be explained by their representatives. Pioneer Golf does not require the purchase of a travel insurance policy and can not be held responsible for what different policies cover and do not cover since insurance companies make changes to their policies at their own discretion and at times without notice. Please consult the insurance company directly regarding coverage, limits, and any other insurance related questions.

Travel protection can protect you in case of (policy dependent):

Top 6 Travel Insurance Claims by Pioneer Golf clients:

* Pioneer Golf is not a licensed insurer, an insurance provider, nor an insurance expert. To evaluate or interpret the technical terms, benefits, and conditions of any travel insurance coverage, you must contact the insurance company directly. Some policies are only available to residents of the US and some are not available in certain states. Travel insurance is usually available to anyone no matter where you reside (but not from all companies) by companies in your own country. The purchase of travel insurance is not required.

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Each year we deactivate our online payment system between December 20 and the end of the year for accounting purposes.

You will not be able to make a payment during this time. We ask that you kindly hold off until January. You’ll be able to make a payment beginning at 8am CST on January 1, 2024.

Many thanks for your patience and hope you are enjoying the holidays!

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Golf Travel Insurance that suits you to a tee

Any golfer worth their backswing will tell you that theirs is an expensive sport.

With golf clubs ranging into the thousands, it simply wouldn’t do to lose your golf gear on a trip away.  Travel insurance  for your golf holiday will put your mind at ease so you can spend more time on the green and less time seeing red!

What Does Golf Travel Insurance Cover?

Whether you’re the next Tiger or just a grassroots golfer, travel mishaps can happen to anyone. Golf insurance will cover you should the following occur:

• Your golf equipment gets lost, stolen or damaged : In the case of loss, theft or damage to your golf gear, you would be eligible for replacement equipment or reimbursed for the cost of a repair. Benefit limits do apply, so shop around to find the best policy for the cost of your gear.
• You require hire equipment : If you are unable to use your golf gear (due to loss of theft, damage or a travel delay of more than 24 hours) your policy will cover the cost of hire equipment (provided you have lodged a claim with the insurer).
• You’ve prepaid your green fees but cannot use them : If you cannot use your prepaid green fees due to accidental injury or illness, golf insurance will cover you(provided the fees are non-refundable).
• You shoot a   hole-in-one:  Well firstly, congratulations! It’s customary to shout the bar after shooting a hole-in-one, and quite obligingly, some policies will cover the round of drinks!

What Does Golf Insurance Not Cover?

Even the very best athletes have limits, and the same applies to golf insurance. You would not be covered if:

• Your golf gear was stolen out of an unlocked car:  Leaving your gear in a car overnight or in a non-secured car compartment would void your cover. If you must leave your gear in the car, lock it away in the boot during daylight hours only.
• You fail to report a theft:  Not only do you need to notify the relevant authority about theft, loss or damage to your golf equipment, you must be able to substantiate your claim with a written report from that authority.
• You were negligent : Whether you left your golf equipment behind in your hotel room, aircraft, bus, taxi or  left it unattended in a public place, you would not be covered.
• Your gear was shipped unaccompanied : Travel insurance wouldn't cover your costs if your golf equipment was sent unaccompanied under the provisions of any freight contract or forwarded in advance.
• Your gear was damaged whilst in use : Most insurers will not cover you for loss, theft or damage incurred to your golf gear whilst in use.
• You incur general wear and tear : If your equipment damage was caused by atmospheric or climatic conditions, wear and tear, vermin or any process of cleaning, it would not be covered.
• You are entitled to be reimbursed by a transport provider : If an airline or carrier was responsible for the loss or damage to your clubs, you would need to claim with them. However, if you are reimbursed less than the amount of your claim, golf insurance will pay the difference.

Golf Club Cover: The Tee-Total Value

Every golf insurance policy will pay out their benefits differently. Some insurers will either replace the equipment with a similar item, pay to repair the item or pay you a sum of money to reimburse you for it. It’s important to do your research before purchasing golf insurance as policies can vary greatly. Also, be mindful that although you may have a lump sum for the cost of your golf equipment, set limits do apply. For instance, you may be covered for $3,000 worth of golf gear but only be able to claim for $1,000 for a pair of clubs.

Additionally, make sure you hold onto any original receipts (or other forms of proof of purchase). Without receipts, you may still be reimbursed but only at the depreciated value of your equipment.

Many insurers will cover golf equipment as st   andard, however, the following insurers provide optional golf cover for discerning golfers:

Travel Insurance Extraordinaire At Your Service

Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances. 

Be sure to  compare travel insurance policies  to ensure you have the best type of cover for your trip. Nothing can sink your trip quite like a huge windfall in your golf budget. Travel insurance will take care of any holiday hurdles so you can spend more time out on the green.

Looking to travel with other expensive items? Get to know which insurers will cover you for your  high value items  before you head off.  

Crystal Moran

With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.

Travel Insurance Extraordinarie At Your Service

Our travel insurance comparision helps you, save time, worry and loads of money.

Stay up to date with our latest news, deals and special offers.

Your privacy is important to us.

Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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From 5th May 2021 while we can still cover you under the standard sections of our travel insurance policy while on a Golf holiday we are temporarily unable to offer the additional cover provided by the Golf optional extra section, while we make improvements to the booking engine of our website.

However, this is just a temporary measure. In the near future we will be able to offer this extra cover to golfers on our policies once more. Policies purchased before 5th May 2021 aren’t affected and your cover won’t change.

Golf Travel Insurance

Golf holiday insurance to give you peace of mind. 

More and more golf enthusiasts are taking a break from their local club and combining their love of sport with their love of travel, visiting unique and beautiful destinations around the world.

The UK is home to some of the world’s most famous and challenging golf courses. You can play a round on the Old Course at St Andrews, which is known as ‘the home of golf,’ or you can try one of the UK’s Ryder Cup courses, such as The Belfry or Celtic Manor.

But if you want to travel abroad, there are plenty of places to perfect your swing further afield. In mainland Europe, you can play the same courses as European Tour pros like Rory McIlroy; there’s Le Golf National in France and the famous Stadium Course at PGA Catalunya in Spain, for example.

Or, you can take the holiday of a lifetime and head across the Atlantic to play the finest courses the USA has to offer. You can literally walk in the footsteps of Tiger Woods at Pebble Beach or take on one of the most iconic golf shots in the world at TPC Sawgrass.

If you’re planning to escape on a golf break this year, in the UK or somewhere more exotic, make sure you buy golf holiday insurance before you travel. Our golf equipment insurance will help cover your essential items, including your beloved clubs, and protect you against risks such as cancellation, baggage loss and emergency medical expenses.

With golf holiday insurance from one of the world’s largest travel insurance and assistance companies, you’ll be able to relax and enjoy your trip. Our international and multilingual team of talented people are available to help 24/7, 365 days a year in the event of a medical emergency.

Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

What does golf travel insurance cover? 

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport
• Delayed personal possessions
• Lost, stolen or damaged personal possessions
• Loss of personal money
• Personal accident
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure*
• Loss of green fees: If you have to cancel your trip or cut it short, or if you cannot play golf because of an injury or illness during your trip, we’ll pay up to the amount shown in your schedule for green fees that you have paid and cannot recover from anywhere else.
• Delayed golf equipment: We’ll pay up to the amount shown in the schedule for you to hire alternative golf equipment if yours is stolen on your outward journey, or is delayed for more than 12 hours from when you arrived at your destination.
• Golf equipment: We’ll pay up to the amount shown in the schedule for golf equipment that is damaged, stolen, lost or destroyed on your trip.

Frequently Asked Questions

Yes! When you take out a golf travel insurance policy with Allianz Assistance, golf club cover is included.

With our golf travel insurance policies, cover is provided for your golf equipment. This includes your golf clubs, golf bag, golf trolley and golf shoes; you’re protected if this equipment is lost, damaged, stolen or delayed. 

Although we include cover for golf as an activity on our Sports and Leisure travel insurance, opting for travel insurance including golf cover can protect you against the specific risks that are associated with golf holidays.

When you add golf cover to your travel insurance policy, it can help protect you if your golf equipment is lost, damaged, stolen or delayed during your trip. It can also pay for a loss of green fees if you have to cancel or cut short your trip, or if you cannot play golf due to an injury or illness during your trip.

If you choose not to add golf insurance to your policy, you’ll need to pay for replacement equipment; you’ll also have to pay green fees if you cannot play. Depending on how many rounds of golf you’re planning to play, these costs could run into thousands of pounds. 

We offer two different types of golf travel insurance: Single Trip and Annual insurance.

If you’re only taking one golf holiday this year, you’ll find that our Single Trip travel insurance is best suited to your needs. Depending on the country of travel and duration of stay you choose, you’ll be protected in the UK, Europe, or further afield, for a maximum of 180 days.

But if you plan on taking multiple golf holidays this year, an Annual policy may be better suited to your needs. It can cover you for an unlimited number of trips, up to 31 days in duration over a 12-month period. As such, multi-trip policies can be more cost-effective for frequent travellers.

How to ensure you have the right cover

Does your bank or credit card company provide cover.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

Choose the perfect policy for you, with a range of cover options available.

Annual Multi-Trip Travel Insurance

Business Travel Insurance

Single Trip Travel Insurance

Travel Insurance for Seniors

Travel Insurance for people with Medical Conditions

Sports & Leisure Insurance

Need help? Call us on: 0371 200 0428

Make a claim, policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]