Protecting Your Upcoming Beach Getaway

Whether you're heading across the globe or across the state, a beach vacation is a great way to enjoy some fun in the sun. While we often associate beach vacations with calmness and tranquility, it's important to remember that accidents can happen at any time.

Each year, thousands of travelers protect their beach vacations through Squaremouth. Travel insurance offers peace of mind going into a trip, and can provide much needed protection when things don't go according to plan.

Sun, Sand, and Security

Famous beach destinations are extremely popular among Squaremouth customers. Aside from peace of mind, a comprehensive travel insurance plan can cover you from cancellations, medical emergencies, delays, and other common travel disruptions.

Use our industry-leading comparison engine to compare quotes from the country's best travel insurance providers and find the best policy for your upcoming sandy escape.

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No trip is risk-free, and a dreamy beach vacation can quickly change for the worse without a moment's notice. From hurricanes to accidents out at sea, travel insurance policies offer a wide-range of benefits to cover you and your group from most disastrous scenarios.

Below are some of the key travel insurance benefits that can help protect beachgoers financially before and during their trip.

Trip Cancellation: If you need to cancel your beach trip due to inclement weather, hurricanes, an unexpected injury or illness, or any other covered reason, this benefit may reimburse you up to 100% of your prepaid, nonrefundable trip costs.

Trip Interruption: Travelers that are forced to end their trip early for a covered reason may be reimbursed their unused trip costs as well as additional transportation expenses incurred to return home.

Emergency Medical: If you or another insured traveler gets ill or injured during your trip, this benefit can cover the cost of treatment, such as hospital bills, ambulance rides, and x-rays.

Travel Delay & Missed Connection: Travelers significantly delayed to or from their beach vacation may be eligible for reimbursement for food, lodging, and additional transportation expenses.

Sports & Activities: This benefit can extend coverage to travelers taking part in scuba diving, kite surfing, or any other hazardous water sport that's typically excluded from standard travel insurance policies.

Baggage & Personal Item Loss: If your personal belongings are lost or stolen during your beach trip, this benefit may reimburse you up to a specified amount outlined in your policy.

View All Travel Insurance Benefits

Travel Insurance Coverage for Beach Rentals

Many beachgoers, especially those traveling domestically, opt for vacation rentals through sites like AirBnb and VRBO instead of hotels. Fortunately for those travelers, their insurance policy can still offer coverage in the event they need to cancel their plans or return home early.

To be eligible for coverage, your booking must be prepaid and nonrefundable. You may be covered in the event of the following scenarios:

  • You cancel your trip because of an unforeseen illness or injury
  • Your personal items are stolen from your beach rental
  • You need to return home early for a covered reason
  • Your beach rental becomes uninhabitable for reasons beyond your control

While many providers will offer coverage for beach rentals, it's important to note that travel insurance will not cover the cost of damages to the property.

Travel Insurance Coverage for Water Sports

Most hazardous activities, such as jet skiing, scuba diving, and kite surfing are often excluded from travel insurance coverage. However, some providers offer plans that specifically cater to adventurous travelers with thrill-seeking items on their itineraries.

If you plan on participating in water sports during your beach vacation, make sure the plans you consider include the Sports & Activities benefit, which extends valuable cancellation and health insurance benefits to commonly excluded activities.

Discover a full list of water sports that can be covered by travel insurance.

Does Travel Insurance Cover Weather?

Yes, travel insurance can provide coverage for inclement weather and natural disasters. Most Trip Cancellation plans include Hurricane & Weather coverage, which is especially valuable to travelers heading to the Bahamas, the Gulf Coast, or other beach destinations with a history of hurricanes and other severe weather events.

Travel insurance coverage may apply if your trip is delayed, canceled, or cut short due to a severe weather event outlined in your policy. Policyholders may also be covered if they are injured as a result of extreme weather.

While sunny skies and warm forecasts are crucial for a successful beach vacation, travelers are not covered if they wish to cancel due to unfavorable weather conditions. If you wish to cancel out of fear that rain may impact your trip, you will likely not be able to file for reimbursement through your travel insurance provider unless you purchased a policy with Cancel for Any Reason coverage.

Travel Insurance Recommendations For Beach Destinations

For those heading abroad, we recommend a travel insurance policy with at least $50,000 in Emergency Medical and $100,000 in Medical Evacuation coverage. This should be enough to cover most overseas medical emergencies you may experience during your trip. See our Destination Center for specific recommendations by country.

Domestic travelers may also consider getting primary medical coverage if they do not have health insurance or do not wish to file a medical claim with their current healthcare provider.

Other considerations to think about include policies with generous cancellation coverage due to the rising cost of travel and the high cost that often comes with staying on the beach.

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If you already have a policy and have any questions for your travel insurance provider or would like to file a claim, please contact your provider directly. Click here to find your provider's contact information.