Golf Travel Insurance Plans & Prices

Green fees are typically the major expense for a golf trip. And if you lose a round and the fee is non-refundable, that can be a big cost. Golf travel insurance can cover your sports fees if you can’t take your golf trip due to severe weather or an injury.

Trip Cancellation can cover you if you have to call off your golf trip entirely, before your trip even begins. Trip Interruption, on the other hand, applies if your travel is suddenly cut short. These benefits can cover expenses like flights, hotels, and greens fees.

To qualify for reimbursement, all expenses must be prepaid and non-refundable, and the reasons must be covered under your policy. You can receive 100% coverage for all of your costs with Trip Cancellation. Trip interruption benefits can go as high as 125%-200% of your unused trip costs, since they reimburse for prepaid expenses and cover extra costs such as booking a new flight home.

Travel Delay comes into play if your travel is unexpectedly postponed, such as if your flight is rescheduled for a later time. In that scenario, your policy would reimburse you for expenses incurred because of the wait. This could include things like meals, accommodations, and alternate transportation plans to catch up to your trip. Trip Delay coverage typically has limits, not only for the total amount, but sometimes even daily caps.

With golf insurance, if you need to head to urgent care or the ER because of an injury or accident on your trip, your healthcare expenses can be covered by your plan’s Emergency Medical coverage. This includes things like doctor’s visits, hospital stays, x-rays, and prescriptions. With more serious situations, Medical Evacuation—or medevac—could pay for the costs to get you to the nearest hospital, whether by ambulance or helicopter.

Most private health insurance plans do not provide coverage outside of the U.S. The same is true with Medicare and Medicaid. So if your trip includes international golf destinations, then it’s important to sign up for travel insurance.

Some companies cover pre-existing medical conditions on their golf trip policies. This is helpful if you have a chronic illness or were recently diagnosed with a problem that could flare up before or during your trip, such as an old back injury that prevents you from golfing. In order for a pre-existing condition to be covered, however, it must be considered stable when you buy your plan.

Pre-existing condition coverage is a time-sensitive travel insurance benefit. To qualify for coverage, you need to buy your policy within 10-21 days of booking your golf trip.