Our golf travel insurance covers you on and off the greens. From novices to experts with expensive kit, it can even help pay your bar bill if you hit a hole in one. With no upper age limit and cover for pre-existing medical conditions, we’ll take care of the travel insurance. You can relax and focus on your game.
What is golf travel insurance and do you need it?
Of the UK’s one million regular golfers, around 55% head abroad to play each year. But while golfing holidays are popular, mishaps can happen. Damaged clubs can be costly to replace. Lost green fees due to illness or injury can leave you out of pocket.
Although arguably not an extreme sport, golf can be an expensive one! And that’s where golf travel insurance comes in. If golf is the main purpose of your trip, adding golf travel insurance to your policy has got you covered. And because it covers popular putting destinations worldwide, there’s no limit to your golfing globe-trotting.
Here’s why finding the best travel insurance with golf cover is a must:
- Protects your golf clubs: Golf bag fallen off the back of the buggy? Blunt force trauma onto concrete can snap a graphite shaft. Beginners’ clubs can be expensive to replace. But if you’re an expert with state-of-the-art kit, losing or damaging your clubs can cost thousands. Standard travel insurance only covers your belongings up to a certain value. But adding golf club travel insurance protects against accidental loss, theft or damage. It will also cover your bag, balls, trolley, golf shoes and kit you’ve hired.
- Covers unused green fees: Put your back out on the 9th? Golf injuries are more common than widely believed. A recent study found 64% of golfers had been injured during play. Golf cart accidents affect 15,000 people per year in the USA. Golf travel insurance protects your non-refundable green fees if an accident, injury or illness on your trip means you can’t play.
- Covers you for a hole-in-one: The chance of an average golfer making a hole-in-one is thought to be 12,500 to 1. But nailing this elusive shot can be an expensive achievement. Golf club rules state that anyone who hits an ace has to buy the drinks. Golf travel insurance can help you with the bar tab.
- Covers personal liability: Hit a wayward shot? It happens to everyone. But if you’re unlucky enough to injure someone or damage their property, golf travel insurance has you covered. Think it won’t happen to you? Up to 40,000 people a year seek medical attention for injuries caused by golf ball impact.
- Repatriation back to the UK: Golfers have one of the highest risks of getting struck by lightning. For instance, although the USA is a golfing paradise, about 40 million lightning strikes hit the ground there yearly. Medical repatriation can be costly. Our travel insurance policies will help you get home.
To get travel insurance with golf cover, you’ll need to buy travel insurance and add the golf cover option while looking at the quote. Our policy wording provides full terms and conditions of what is and isn’t included.
You’ll also need to tell us all your pre-existing medical conditions to make sure you have comprehensive cover.
What does InsureandGo’s golf travel insurance cover?
What’s covered
Golf equipment
We cover up to £1,500 worth of golf equipment, with each item/pair insured up to £250. We can cover:
- Golf bags
- Golf clubs
- Non-motorised trolleys
- Golf shoes
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 proof of purchase (like the original receipts).
Green fees
You’ll be covered for up to £75 a day and up to £300 for a percentage of the cost of your non-refundable green fees. 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
Hole-in-one cover offers up to £100 towards the bar bill. When you claim, you must obtain a written report from the golf club secretary confirming the competition details. This must be countersigned by your playing partner, together with the original certified scorecard. You must also get receipts from the golf club for expenditures incurred immediately following your hole-in-one.
Anything else?
All our yearly holiday insurance policies include:
- Emergency medical expenses
- Cover for cancellation of your trip
- Personal belongings and baggage cover
- Personal money, passports and travel documents cover
The excess and amount of cover available varies depending on the level of travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions.
What’s not covered?
Each provider will have different things it can or cannot include in a policy. However, there are some situations no travel insurance will cover. For example:
- Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Remember that to get golf insurance, you need to book travel insurance and add golf cover to that policy.
The best travel insurance for your golfing holiday
Golf travel insurance can be added as an option to our policies. But which one do you need? We have plenty of options to suit your holiday style.
- One-off golf trip? Simply add golf cover to a single-trip insurance policy.
- Doing multiple holidays this year? It might work out better to get annual travel insurance and add golf cover there.
- Taking up golf in retirement? Golf has no age limit. And neither do we! Golf travel insurance can be added to plans that suit your needs. We have travel insurance for over 60s, or even travel insurance for over 80s.
- Have a pre-existing health condition? Make sure your medical travel insurance covers your golfing holiday.
- Going global? Depending on the destination of your golfing holiday, you might need worldwide travel insurance or travel insurance for Europe.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
Golf insurance for travellers with pre-existing medical conditions
A pre-existing condition shouldn’t stop you from enjoying a golfing holiday. We cover a wide range of medical conditions, from asthma to cancer. We never refuse to cover a diagnosed pre-existing medical condition without prior consideration.
Before you get your golf holiday travel insurance, you’ll need to answer a few questions about your health. Our online medical screening process is so easy, you can get a quote in no time. If you’d rather talk to someone instead, please get in touch with us.
What counts as a pre-existing medical condition? At InsureandGo, it’s any illness or condition that occurred before you take out an insurance policy. We can usually cover any medical conditions, often with no additional premium, and medical cover on your golfing holiday is no exception.
All you need to do is disclose your pre-existing condition during your quote, and we’ll sort the rest.
To learn more, read our page about travel insurance for medical conditions. Or, take a look at our policy wording documents.
How to book our golf travel insurance
Ready to book your golfing trip? Tick travel insurance off your to-do list before you pack your clubs. It’s quick and easy to get a quote with us.
Here’s how it works:
1. Let us know a little info
We need to know a bit about your golfing holiday. Tell us who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions. That way we can ensure we provide you with the right level of cover.
It’s quick and easy to give us this information, either online or by calling our team:
2. Get your personalised quote
Once we have all the details we need, we’ll send you your quote. At this stage, you can go ahead and buy your policy, or save the quote for the future.
“Golf may be the sport of kings. But even this serene pastime can have its mishaps, from being hit by a golf ball to falling from a buggy. Securing the right golf travel insurance before you go is a must. But beyond covering accidents and injuries, the right policy protects your kit and your green fees. You can focus on perfecting your swing, knowing you’re financially protected.“
Letitia Smith MiSc, Travel insurance expert
Our reviews speak for themselves
Straight forward, Good Price
Straight forward, not expensive to add golf clubs extra, also adding pre Medical conditions simple. Good price too!
– W, Notts
– Date of experience: 23 October 2024
You’re in good company if you book with us. Here’s what others have to say about InsureandGo.
Frequently asked questions on golf travel insurance
Does standard travel insurance cover golf?
Our standard travel insurance covers you to play golf on your trip. It covers you for accidents and injuries. It also covers you if you injure someone else or damage their property while playing.
If golf is a primary purpose of your trip, it’s highly recommended to add golf travel insurance to your policy. This ensures you have adequate protection for potential sporting mishaps such as:
- Equipment damage or loss: This includes your golf clubs, bag, and other accessories.
- Green fee reimbursement: If you’re unable to play due to illness, injury, or other covered reasons.
- Hole-in-one insurance: A fun and unique option that provides a payout for achieving a hole-in-one.
Are golf clubs covered on golf travel insurance?
They are at InsureandGo! We cover up to £1,500 worth of golf equipment, with each item/pair insured up to £250. Our golf holiday travel insurance covers:
- Golf bags
- Golf clubs
- Non-motorised trolleys
- Golf shoes
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 proof of purchase.
How much does golf travel insurance cost?
The exact cost of golf travel insurance varies from person to person. This is because it is based on a wide range of factors, including:
- Your age and overall health: Pre-existing medical conditions can impact how much your golf travel insurance costs. Existing health factors may increase your chance of needing emergency medical treatment while you’re away.
- The level of policy cover you go for: At InsureandGo we offer four levels of cover – Budget, Silver, Gold and Black – so we’re sure to have a policy to suit you.
- Trip duration: The longer you’re playing, the greater the odds of making a claim.
- Chosen destination: There are golfing paradises worldwide. But places like the USA have more expensive healthcare if the worst happens.
Insurance for a golfing holiday doesn’t have to be expensive. You may not need additional gadget cover if the only valuables you’re taking are your clubs, for example. Adding golf cover to a single trip policy could be better value for you. If you’re travelling with friends, you could consider a group travel insurance policy.
Find out how much golf travel insurance will cost for you by calling our team on 0808 281 0594. Or get a quick and easy quote online now.
Are golf clubs personal items in travel insurance?
Standard travel insurance covers any personal items which are lost, stolen, damaged or destroyed. The amount covered depends on the level of policy you choose.
Because golf clubs can be expensive to replace, they may not be covered by standard travel insurance policies.
You’ll need to check the maximum single-item limit on your chosen policy to ensure it’s enough to cover the cost of replacing your golf clubs. If it’s not, adding travel insurance for golf clubs to your policy will protect these valuable assets.
Does travel insurance cover driving a golf buggy?
It won’t cover damage to the buggy itself. And because personal liability is excluded while driving any motorised vehicle, you won’t be covered if you injure someone or damage their property while driving.
But if you are involved in a buggy accident and need emergency medical assistance, our golf holiday travel insurance can cover you. And, if your golf equipment is accidentally damaged in the accident, it can cover that, too.
However, you need to drive responsibly. You won’t be covered for any buggy incidents that occur while you are under the influence of drugs or alcohol.
Does travel insurance cover ‘new for old’ golf club replacements?
Broken club? At InsureandGo, we understand that unexpected situations can happen when you’re on the greens. Our golf travel insurance add-on doesn’t cover ‘new for old’ golf club replacements. But it will cover up to £1,500 worth of golf equipment, with each item/pair insured up to £250.
Does golf insurance cover injuries?
All our standard travel insurance policies cover medical emergency expenses, but that’s not all. They’ll also cover:
- Trip cancellation and disruption
- Personal belongings and baggage.
- Personal money, passports and travel documents
- Accommodation
- Legal expenses
- Over 100 sports and activities covered
Adding golf travel insurance to any of our policies will ensure you’re also covered for all the above, plus:
- Loss and replacement golf equipment
- Lost green fees
- Hole-in-one cover
Who can buy an InsureandGo golf travel insurance policy?
All our golf travel insurance policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Travel insurance guide
Get a quote online or browse our policy documents for more information.
Frequently asked questions
If you’ve got more questions about how our golf travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.