Length of trip
A longer trip or an annual policy that covers more than one trip will be more expensive
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What is golf travel insurance?
Golf travel insurance is a specific type of travel insurance cover that provides special protection if you're planning a golfing holiday. It offers unique cover that you won't get from a normal travel insurance policy to protect your golfing equipment, green fees and more.
To add golf cover to your travel insurance policy, answer some questions about the basic cover you want from your travel insurance. When comparing quotes, you can add golf cover as well as a range of other optional covers to your policy.
Do I need specialist golf insurance?
A standard travel insurance will make sure you and your personal possessions are protected abroad, but it will only offer so much protection. Baggage cover, for example, will pay-out if your belongings are lost, damaged or stolen, but it has limits. It will only pay out to a certain limit per-item, which may not cover the cost of valuable golf clubs or equipment. It won't help you replace your clubs if you need to hire ones temporarily during your trip.
Cancellation cover, as well, can cover you in certain circumstances but may not give you the comprehensive cover you're looking for.
If you need to cancel your whole trip due to something like a medical emergency, your insurance can pay back the cost of booked activities you've had to cancel. But if you go on your holiday only to find that the golf course is closed due to poor weather conditions, standard travel insurance won't refund your green fees. But added golf cover will cover green fees if this happens.
Overall, you can get basic cover with a standard travel insurance policy, but if you want cover that goes the extra mile for your golfing holiday, added golf cover is the way to go.
What does golf travel insurance cover?
The cover your get from your travel insurance can depend on your policy and provider. It's important to read the policy documents carefully to find out what cover is included as standard and what you may need to pay extra for.
If you take out a basic travel insurance policy with added golf insurance cover, this is what your policy should cover as standard:
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Standard travel insurance cover
Along with special cover for golfing, you will still get all of the essential cover from a standard travel insurance policy
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Lost, damaged, or stolen equipment
If your golf clubs, bags, or other equipment are damaged or lost during your trip, your trave insurance will cover the cost to replace them
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Delay of your golf equipment
Your travel insurance will cover you if your golf clubs or other equipment are delayed on their way to your destination
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Temporary replacement clubs
If your golf clubs have been lost during your trip, your golf cover will pay out a certain amount per day to cover the cost of hiring replacements
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Green fees
If your booked golf course is closed due to extreme weather, travel insurance will cover the cost of any non-refundable green fees
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Hole in one
If you hit a hole in one on a full 18 hole golf course, there is a tradition that you buy a round of drinks for everyone. Golf insurance will help you cover this
What isn't covered by golf travel insurance
Each provider will have their own list of exclusions that you will need to look out for. Below are some common exclusions that are specific to added golf cover:
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Travelling against FCDO advice
You won't receive any cover if you travel to a destination that is not covered by your policy or the FCDO advise against
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Intoxication
You won't be covered for any incidents that occur while you are under the influence of drugs or alcohol
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Wear and tear
Golf insurance only covers accidental damage to your golf equipment and won't pay out for wear and tear
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Change of plans
You won't be able to claim for lost green fees if you simply change your plans. You must have evidence that the club was completely closed
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Luggage with an airline
Airline's are responsible for any of your luggage that is lost, damaged, or delayed, so insurers don't usually cover items while in the care of an airline
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Pre-existing conditions
Any health problems that you didn't disclose to your provider won't be covered while you're travelling if you need treatment
How much is golf travel insurance?
Golf club travel insurance is normally more expensive than a basic travel insurance policy because of its specialised cover. But there are other factors that will affect the cost of your travel insurance policy:
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Destination
Travelling to countries with higher medical costs or higher crime rates will add to your travel insurance cost
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Your age
Golf travel insurance is usually cheaper for younger travellers who may be less likely to need medical treatment
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Your health
If you have any existing health problems you will likely need to pay more for insurance to cover them
Golf travel insurance with pre-existing medical conditions
If you have pre-existing medical conditions, it's important that you tell your insurer about them when you take out your golf travel insurance policy. If you don't, you risk invalidating your insurance and have your claims rejected. While most conditions will likely be covered by your travel insurance, there is a risk that your insurer might exclude them if they are severe. This means that your travel insurance won't cover any medical costs relating to your condition.
If this is a concern for you, there are other options available. Specialist travel insurance policies will cover you for most conditions and pay-out for any emergency treatments relating to them while you travel. While these policies are more expensive than standard, they offer peas of mind that your travel insurance will help you cover any medical emergencies.
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What other policy add-ons can I include?
There are a lot of options you can add to your golf travel insurance policy to increase your cover. Below is a list of only some of the extra cover you can include:
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Gadget cover
Protect your mobile phones and laptops from theft, loss, and damage
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Winter sports cover
Get special cover for winter sports and snowy holiday activities
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Cruise cover
Get cover for cruise holidays to cover missed ports and more
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Passport cover
Get a replacement passport if yours is lost or stolen while travelling
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Trip disruption
Get cover for when your travel plans are delayed, disrupted, or cut short
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Scheduled Airline Failure
Airline failure cover (SAFI) protects you if the airline goes into administration
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Business travel
Get special insurance cover for single or group business trips
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Hospital benefit
Receive a benefit per day while you are admitted to hospital
Ready to compare? Here's what to do next
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Tell us about yourself
Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
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We’ll do the legwork
We’ll put together a list of travel insurance quotes, so you can pick one that works for you
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You’re on your way
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
Does travel insurance cover golf clubs?
Basic travel insurance policies with baggage insurance will usually cover most of your belongings that are stolen or damaged, but these policies have a per-item cover limit and terms that mean your golf clubs may not always be covered.
On the other hand, when you add golf cover to your travel insurance, your golf clubs will definitely be covered by your policy. You won't be able to claim for baggage caused by wear and tear or loss while your clubs are in the care of your airline. But if your clubs are damaged or stolen, you can claim on your policy to replace them and cover the cost of renting new clubs in the meantime.
Does travel insurance cover driving a golf buggy?
Travel insurance won't cover damage to the buggy itself, but if you are involved in an accident most policies with golf cover should cover you. Your travel insurance will cover the cost of your medical bills and if your golf equipment is accidentally damaged in the accident, it should cover that, too.
However, even with added golf cover, your travel insurance will not cover any golf buggy related accidents if you are found to be under the influence of alcohol or drugs while driving the vehicle. It's important that you use a golf buggy responsibly while on your trip.
Does insurance cover golf ball damage?
Travel insurance won't cover damage to your golf balls but it is possible that your policy will cover damage caused by a wayward golf ball. You would need to have personal liability cover included with your travel insurance policy to cover accidental damage or injury, which is sometimes included as standard. Look out for personal liability cover in your policy documents to confirm whether you have this protection.
Does golf insurance cover injuries?
The medical cover that you get with a golf travel insurance policy is designed to cover emergency medical treatments. If you sustain a serious injury while golfing and need to go to the hospital, your insurance should cover part or all of your medical costs. However, your insurance won't cover you for minor injuries. Your insurance also may not cover you if you need treatment for an injury that happened before you took out your golf insurance policy.
You should read your insurance documents to find out more about your cover.
What is hole-in-one cover?
Hole-in-one cover is a sum that your insurance will pay-out if you manage to hit a hole in one on an 18 hole course.
This cover exists because there is a tradition for many golf clubs that if you hit a hole-in-one you are supposed to buy a round of drinks for everyone. This can be expensive to cover, so your travel insurance will help you cover the cost.
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Reviewed on 29 Dec 2025 by
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