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Oftentimes, there are different types of kitesurfing equipment that need to be insured separately from the main kitesurfing attires. The tricksy thing is that some insurance policies cover only the kitesurfing boards themselves while others may also cover the rider and the kitesurfing accessories like the kitesurfing helmet, gloves, vest, etc.
Please keep that in mind when looking for the best insurance for your next kitesurf vacation.
Separate Kiteboarding Insurance
Some insurance companies may offer special kitesurfing insurance if the rider has a medical history of aneurysms or other similar medical conditions. Others will insure the kitesurfing equipment at full price, even for potential minor scratches.
In any case, getting separate insurance is sometimes a wise move as can give you a bit more peace of mind and protection.
When looking for insurance, it’s of course important to look not only at the rates and prices but also at the terms and conditions. This is where the hard work comes in.
Different Kiteboarding Insurance Policies
As kitesurfing is a popular sport, there are plenty of companies who offer special kitesport equipment policies online.
However, getting kitesurfing insurance can be pretty easy and hassle-free, as you can just log into the website of the insurance company and fill up the necessary details like your name, age, and address to get a quote.
The insurance company will also ask you about the type of insurance you want and what you’ll be using the policy for – whether it’s for part of your personal surfing equipment or for a complete set of kitesurf gear.
Some companies will even help you out with advice and tips on how to protect your kitesurfing gear against damage and loss.
If you’re interested in getting your kitesurf insurance online, the first step is to find a good insurance policy that offers a wide variety of coverage, without getting over-insured.
Since kitesurfing is a highly competitive sport, you need to make sure that you are covered not only for (a) injuries sustained by you but also for any (b) damages to property caused by an accident, and of course for (c) damages to your equipment.
If you did your due diligence and picked a good insurance policy, you should get your kitesurfing trip underway without worrying about potential unexpected costs.
Travel Insurances For Kiteboarders With Higher Budget
If you are one of those few select people who care less about some additional costs, in return for a high insurance coverage, generous terms, and excellent customer service, then have a look at some of the options below..
Safer Surfing with HTH Worldwide (the Prefer Plan)
Why we chose it: The TripProtector Preferred plan from HTH Worldwide has extensive coverage in the categories we scored. This includes Covid-19 coverage as well as up to $500,000 in emergency benefits.
You will be covered up to $1,000,000 if you have to be evacuated due to a medical emergency. Additional benefits include reimbursement up to 200 percent for any trip interruptions and coverage for pet medical expenses if your pet got sick or injured on the trip.
You can add “cancel any reason” coverage to your plan. This allows you to cancel the trip without penalty, even if it is not covered by the base policy. In return, you will receive 75 percent of the non-refundable, prepaid trip costs.
There are potential drawbacks: First, the maximum cancellation coverage for a trip is $50,000. This is sufficient for most travelers, but is it enough for you? The plan has a 5-day free trial, while competitors offer a 10- to 14-day period. Regardless, you can cancel your insurance policy and receive a refund during the free look period.
John Hancock Gold Plan Insurance Agency
We chose it because: The Gold plan provides a wide range of coverage options and high levels of reimbursement.
Covid-related coverage is available, as well as emergency medical expenses up to $250,000, and up to $1,000,000 in medical evacuation coverage. To trigger insurance payouts for trip delay coverage, there is a minimum of three hours delay.
For cancellations that are not for reasons listed, you can add “cancel any reason coverage”.
We also like the plan’s 14-day trial period, which is longer than most plans.
There are potential drawbacks. While the $250,000 reimbursement for emergency medical expenses is a good amount, you can get higher amounts from some of the top competitors (see the other options in this article).
The $500 baggage delay reimbursement could have been more generous.
7 Corners Elite RoundTrip Travel Insurance
We whose this because RoundTrip Elite checks many boxes:
You can get emergency medical evacuation coverage up to 1,000,000 USD and reimbursement up to 1,500 USD for missed connections or trip delays. You can also add coverage for lost ski days and golf rounds, as well as equipment rental reimbursement.
There are potential drawbacks:
While 250,000 USD is good for emergency medical expenses, you can get higher amounts elsewhere.
The 30,000 USD maximum coverage for cancellation of a trip is a bit low compared to other top-tier providers.
Trawick International Voyager Plan – Safer Kitesurfing Abroad
We chose it because the Trawick Voyager Plan has a consistent high level of coverage across multiple benefits:
This plan is the most generous, offering up to $100,000 trip cancellation coverage and $2,000 travel delay reimbursement.
The plan also includes $1 million of emergency evacuation coverage.
We liked the 21-day grace period for cancelling any reason coverage after you have paid your first trip deposit. This coverage is required by most plans within 10 to 14 business days of your first trip payment.
One potential drawback: $1,000 missed connection reimbursement is a bit low compared to other top-tier competitors.
USI Affinity Insurances
We chose it because of its many benefits.
The plan includes top-quality missed connection coverage. It also offers a $1500 payout and up $1 million in emergency medical evaluation coverage.
You can also track and expedite the return of lost baggage.
A potential drawback: The maximum $150,000 for emergency medical benefits falls below the top competitors.
4 Tips to Buy Travel Insurance For Kiteboarders & Other Adventurers
- Do not over-insure. Only purchase the coverage you really need. Trip cancellation insurance usually cover the non-refundable and pre-paid parts of your vacation. You can cancel if you are able to get a refund on something like a plane ticket.
- Travel insurance agents are available. An agent who specializes in travel insurance can help you to create a policy that addresses your most pressing concerns. In addition to visit a kiteboarding camp, perhaps you are also looking for a good cruise insurance coverage. Agents can price-shop policies that offer the benefits you desire.
- Take into account the special benefits of a policy. Certain policies allow you to add children for free. This could save you a lot of money. You may be able to get concierge services, which can help you arrange dinner reservations.
- Consider a multi-trip policy. An annual travel insurance policy is a good option if you plan to travel often. You can reduce the cost of travel insurance by covering multiple trips with one policy. This will provide coverage for medical expenses, trip interruptions, baggage, and other areas for all your travels.
